Disability Insurance
Providing financial peace of mind.
Providing financial peace of mind.
OneMain provides eligible team members with short-term disability (STD) and long-term disability (LTD) coverage at no cost. STD begins after 90 days of employment and LTD begins on your date of hire.
Short-term coverage provides income replacement based on your years of service in the event you become disabled due to your own serious medical condition. Long-term coverage does not have the same years-of-service limitation and offers a buy-up program to increase coverage.
Disability benefits provided by OneMain are administered by The Lincoln Financial Group and will be offset by available state or local benefits to the extent allowed by law. Where offsets are permissible, you are required to apply for any available state or local disability or paid family leave benefits. For more information about these programs and requirements, please see the Time Away from Work policy.
Policy/Group: 09-LF1173
Call: 877-275-5462
Website: lincolnfinancial.com
Short-Term Disability
Long-Term Disability4
Long-Term Buy-Up4
Plan Funding5
100% company-funded
100% company-funded
100% team member-funded
Coverage Amount6
Up to 100% base salary
50% of total eligible compensation
60% of total eligible compensation
Maximum Weekly Benefit1,6
90 days to 1 year:
25 weeks at 60%
1-5 years:
6 weeks at 100%; 19 weeks at 60%
5-10 years:
16 weeks at 100%; 6 weeks at 60%
10 years or more:
25 weeks at 100%
$5,000
Up to $30,000
Coverage Begins2
After 5 consecutive business days
After 180 consecutive days
After 180 consecutive days
Maximum Duration3
25 weeks
Social Security Normal Retirement Age (SSNRA)
Social Security Normal Retirement Age (SSNRA)
Short-Term Disability
Long-Term Disability4
Long-Term Buy-Up4
Plan Funding5
100% company-funded
100% company-funded
100% team member-funded
Coverage Amount6
Up to 100% base salary
50% of total eligible compensation
60% of total eligible compensation
Maximum Weekly Benefit1,6
90 days to 1 year:
25 weeks at 60%
1-5 years:
6 weeks at 100%; 19 weeks at 60%
5-10 years:
16 weeks at 100%; 6 weeks at 60%
10 years or more:
25 weeks at 100%
$5,000
Up to $30,000
Coverage Begins2
After 5 consecutive business days
After 180 consecutive days
After 180 consecutive days
Maximum Duration3
25 weeks
Social Security Normal Retirement Age (SSNRA)
Social Security Normal Retirement Age (SSNRA)
1. New team members are eligible for short-term disability benefits after 90 days of employment.
2. Benefits begin on the sixth business day after you have been disabled for five consecutive business days (referred to as short-term disability elimination period in which you are required to use any available sick time), as defined by the policy.
3. You may remain on STD up to 25 weeks in a rolling 12-month period (if medically supported). Should you remain disabled past 25 weeks, you may be eligible for additional compensation under the Long-Term Disability plan.
4. Team members are subject to pre-existing conditions and are not eligible to receive LTD if they did not have prior coverage with another employer or if they have not been covered on the OneMain plan for at least 365 days.
5. Basic LTD coverage is funded 100 percent by OneMain. Team members wishing to elect additional coverage do so at their own cost.
6. Eligible team members have the opportunity to increase their LTD compensation benefit by an additional 10%, for a total of 60% LTD coverage, up to a maximum of $30,000 per month.
The Benefits Service Center is made available to you through the HRConnect Self-Service Portal, providing support from dedicated professionals committed to helping you understand the benefit options available to you. Whether you have questions about your benefit plans, concerns about coverage, or just need guidance on which medical plan is right for you and your family, connect with the Benefits Service Center.
Contact HRConnectThis Digital Benefits Guide is intended to highlight available benefits and should not be relied upon to fully determine coverage. They are not complete descriptions of the benefits. The company may terminate or modify any benefits described on this website, at any time, for any reason. The descriptions listed on this website are not guarantees of coverage. If there is any conflict between this website and the official plan documents, the official plan documents and contracts will prevail.
Summary of Benefits Coverage are available within this Digital Benefits Guide as well as on MainStreet under Total REWARDS and Workday under My Benefits.
