Income Protection

Plan Information

If you become sick or are injured and can’t work, will you be able to pay your bills and maintain your standard of living? If you depend on your income to pay the bills, you should consider buying disability income insurance.

 

Contact Information

Carrier: Liberty Life Assurance Company of Boston, a Lincoln Financial Group company

Claims: To File a Claim contact humanresources@aaacarolinas.com

Additional Information: Employees can file claims/leaves, check the status of claims/leaves, submit intermittent time, submit EOI, report a birth, download certain forms, etc. on the following website, www.mylincolnportal.com

Eligibility: All Full-Time Team Members

Use the disability calculator to see how much coverage is right for you.

If you decline enrolling in this benefit as a new hire, then an Evidence of Insurability (EOI) application will be required if you later choose to enroll in this benefit during a future annual open enrollment period.

Short-Term Disability Insurance

PLAN DESIGNSHORT TERM DISABILITY
Short Term Disability Benefit Begin8th day
Benefits DurationFor a maximum of 13 weeks
Percentage of Income Replaced60% of weekly income
Maximum Benefit Payable$500 weekly
Pre-existing Condition Limitation3/12
AGERATE PER 10$/STD BENEFIT
18-240.43
25-290.37
30-340.38
35-390.41
40-440.56
45-490.69
50-540.77
55-591.14
60-641.50
65-701.75
70+1.75

*Please note: Team members of our Car Care, TowMark and Fins Car Wash divisions, this is an optional benefit available for purchase.

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Long-Term Disability Insurance

PLAN DESIGNLONG TERM DISABILITY
Long Term Disability Benefits Begin91st day
Benefits Duration (see policy on Oliver for maximum benefit period)To age 65 or Social Security Normal Retirement Age
Percentage of Income Replaced50% of monthly income
Maximum Benefit Payable$3,000 monthly
Pre-existing Condition Limitation3/12
AGERATE PER 100$/LTD BENEFIT
under 20.10
20-24.10
25-29.13
30-34.23
35-39.33
40-44.57
45-49.90
50-541.30
55-591.04
60-641.27
65-691.46
70+0.86

*Please note: Team members of our Car Care, TowMark and Fins Car Wash divisions, this is an optional benefit available for purchase.

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Voluntary Buy-up Long Term Disability

Team members can supplement their long-term disability benefits by purchasing additional coverage.

PLAN DESIGNVOLUNTARY BUY-UP LONG -TERM DISABILITY
Long Term Disability Benefits Begin91st day
Benefits PayableTo age 65 or Social Security Normal Retirement Age
Percentage of Income Replaced60% of monthly income
Maximum Benefit Payable$7,500 monthly

*Please note: Buy-up Long Term Disability coverage is not available to Team members of Car Care, TowMark and Fins Car Wash.

Group products and services are offered by Liberty Life Assurance Company of Boston, a Lincoln Financial Group company. The benefit summary is a general description of coverage and/or services offered. The certificate is the actual terms and conditions.

Questions about your benefits?

Benefits can be confusing and overwhelming. Our experts are here to help: Free support (Mon–Fri, 9am–5pm ET)

(704)-550-3195