Disability Coverage

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time.

IOTA Community Schools provides disability insurance benefits though Lincoln Financial (first time users register with code: IOTASchools). You are automatically enrolled in coverage at no cost to you.

Short-Term Disability (STD)

Coverage is automatic for full-time regular employees; the company pays
  • You are eligible to receive STD benefits after you have been disabled for seven days due to a non-work-related illness or injury, or pregnancy.
  • Replaces up to 60% of your eligible income, up to a maximum of $1,500 per week.
  • Benefits end after 12 weeks.

Long-Term Disability (LTD)

Coverage is automatic for full-time regular employees; the company pays
  • You are eligible to receive LTD benefits if your disability lasts longer than 90 days.
  • Replaces up to 60% of your eligible income, up to a maximum of $10,000 per month.

Work, Health, Life Resources (Lincoln Financial Group EAP)

Included with your group long-term disability coverage, this program provides you and your family members access to 24/7 confidential support from EmployeeConnect EAP through Lincoln Financial Group. Call 888.628.4824 or go to www.GuidanceResources.com (username: LFGSupport, password: LFGSupport1)

  • Depression
  • Marital or family difficulties
  • Managing stress and anxiety
  • Substance abuse
  • Legal and financial matters
  • Locating child or elder care
  • Moving and relocation
  • Planning for college, events, or vacation
  • Family planning and pregnancy health