Disability

The Concordia Disability and Survivor Plan provides long and short term disability benefits. If an enrolled worker misses more than 14 days of work due to a medical condition, he/she is eligible to apply for disability benefits to help replace lost income.
 

Disability Benefits

Payment & Taxation

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

Taxation of Benefits

Disability benefit payments are subject to federal income tax. Concordia Plan Services is not required to nor does it 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 the IRS website.
 
Rostered Ordained / Commissioned Ministers

Disability benefits paid 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.

Non-Ministers

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

Payment
Schedules



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.