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The Concordia Disability and Survivor Plan provides long- and short-term disability benefits. If an enrolled worker misses more than 14 consecutive calendar days due to a medical condition, he/she is eligible to apply for disability benefits.


Disability Benefits

Payment & Taxation

Once a claim is approved by the Lincoln Financial Group, and the 14-day waiting period is over, the worker will be eligible to start receiving disability benefits. The duration of the benefit is determined Lincoln Financial Group and will be based on the nature of the worker’s condition and information supplied by the treating physician.

Taxation of Benefits

Disability benefit payments are subject to federal income tax. Concordia Plan Services is not required to and does not withhold federal income tax from a lay worker’s disability payments unless the worker has provided CPS with a completed Federal W-4S, Request for Federal Income Tax Withholding from Sick Pay form. This form is available from Concordia Plan Services or irs.gov.
Rostered Ordained / Commissioned Ministers

Disability benefits are designated as “housing allowance.” This means that a disabled minister can exclude up to 100% of the disability benefits received from federal taxable income, to the extent that it is used to rent or provide a home.


Disability benefits received during the first six months following the last calendar month worked are subject to Social Security and Medicare taxes.


Reporting a Disability Claim

  1. When an eligible, enrolled worker is sick or injured Contact Concordia Plan Services at 888-927-7526. Be prepared to provide the following information:
    1. Worker’s name, address, home and work numbers, and Social Security Number
    2. Worker’s last day of work and the first full day he or she was unable to work.
    3. Nature of the worker’s condition.
    4. Worker’s physician name and phone number.
    5. Employer contact's name and phone number.
If necessary, Lincoln Financial will contact the member for more information. The member will receive an acknowledgment letter of the claim and a claim number.

Returning to Work

In general, a worker can return to work when he/she is released by the physician. With the physician’s permission, a work may be able to return to work part time. If a worker is not able to return to their previous position, a professionally developed rehabilitation plan may be established. Please report any part-time earnings to Concordia Plan Services.