Short & Long-Term Disability Insurance

Disability insurance provides income if you become disabled due to an injury or illness. RailWorks offers fulltime employees with Short and Long-term disability income benefits. You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Short-Term Disability (STD)

Coverage	Carrier	Paid By	Eligibility	Income Replacement Percent	Maximum Benefit	Elimination Period	Maximum Benefit Period	Exclusions
Short-Term Disability (STD) — Executives	Lincoln Financial Group	Company-paid	Executives	70% of weekly earnings	$2,500 — Maximum Weekly Benefit	On the 15th calendar day of disability	Up to a maximum of 24 weeks	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.
Short-Term Disability (STD) — Salaried Employees	Lincoln Financial Group	Company-paid	Salaried Employees	60% of weekly earnings	$1,500 — Maximum Weekly Benefit	On the 15th calendar day of disability	Up to a maximum of 24 weeks	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.
Short-Term Disability (STD) — Hourly Employees	Lincoln Financial Group	Employee-paid	Hourly Employees	60% of weekly earnings	$1,500 — Maximum Weekly Benefit	On the 15th calendar day of disability	Up to a maximum of 24 weeks	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Short-Term Disability (STD) — Executives

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Executives
Income Replacement Percent: 70% of weekly earnings
Maximum Benefit: $2,500 — Maximum Weekly Benefit
Elimination Period: On the 15th calendar day of disability
Maximum Benefit Period: Up to a maximum of 24 weeks
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Short-Term Disability (STD) — Salaried Employees

Carrier: Lincoln Financial Group
Paid By: Company-paid
Eligibility: Salaried Employees
Income Replacement Percent: 60% of weekly earnings
Maximum Benefit: $1,500 — Maximum Weekly Benefit
Elimination Period: On the 15th calendar day of disability
Maximum Benefit Period: Up to a maximum of 24 weeks
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Short-Term Disability (STD) — Hourly Employees

Carrier: Lincoln Financial Group
Paid By: Employee-paid
Eligibility: Hourly Employees
Income Replacement Percent: 60% of weekly earnings
Maximum Benefit: $1,500 — Maximum Weekly Benefit
Elimination Period: On the 15th calendar day of disability
Maximum Benefit Period: Up to a maximum of 24 weeks
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

STD Notes

Short-Term Disability (STD) coverage is available to all employees and pays you a certain percentage of your income if you can’t work because an injury or illness prevents you from performing any of your job functions over a short period of time.

Long-Term Disability (LTD)

Coverage	Carrier	Paid By	Eligibility	Income Replacement Percent	Maximum Benefit	Elimination Period	Maximum Benefit Period	Exclusions
Long-Term Disability (LTD) — Executives	Lincoln Financial Group	Company paid	Executives	60% of monthly earnings	$10,000 — Maximum Weekly Benefit	After 180 consecutive calendar days of disability	SSNRA	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.
Long-Term Disability (LTD) — Salaried Employees	Lincoln Financial Group	Company paid	Salaried Employees	60% of monthly earnings	$10,000 — Maximum Weekly Benefit	After 180 consecutive calendar days of disability	SSNRA	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.
Long-Term Disability (LTD) — Hourly Employees	Lincoln Financial Group	Company paid	Hourly Employees	50% of monthly earnings	$3,000 — Maximum Weekly Benefit	After 180 consecutive calendar days of disability	SSNRA	You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Long-Term Disability (LTD) — Executives

Carrier: Lincoln Financial Group
Paid By: Company paid
Eligibility: Executives
Income Replacement Percent: 60% of monthly earnings
Maximum Benefit: $10,000 — Maximum Weekly Benefit
Elimination Period: After 180 consecutive calendar days of disability
Maximum Benefit Period: SSNRA
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Long-Term Disability (LTD) — Salaried Employees

Carrier: Lincoln Financial Group
Paid By: Company paid
Eligibility: Salaried Employees
Income Replacement Percent: 60% of monthly earnings
Maximum Benefit: $10,000 — Maximum Weekly Benefit
Elimination Period: After 180 consecutive calendar days of disability
Maximum Benefit Period: SSNRA
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

Long-Term Disability (LTD) — Hourly Employees

Carrier: Lincoln Financial Group
Paid By: Company paid
Eligibility: Hourly Employees
Income Replacement Percent: 50% of monthly earnings
Maximum Benefit: $3,000 — Maximum Weekly Benefit
Elimination Period: After 180 consecutive calendar days of disability
Maximum Benefit Period: SSNRA
Exclusions: You will not be eligible to receive disability benefits if you are receiving workers compensation benefits.

LTD Notes

Long-Term Disability (LTD) coverage pays you a certain percentage of your income if you can’t work because an injury or illness prevents you from performing any of your job functions over a long time.
SSNRA: Social Security Normal Retirement Age