It’s important to remember that even a long term disability may not affect your longevity, and that a continuation of retirement plan funding may be critical for you and your spouse.

The LifeStyle-65 Plus Plan offers you the opportunity to replace as much as 67% of your taxable income rather than a 60% replacement. The higher replacement ratio provides funds that will allow a continuation of contributions to your retirement/savings plan. When submitting an application, you will be required to include proof that you are contributing to a retirement and/or savings plan on a regular basis.

1. Log in to my LincolnFinancial.com. First time user? Register online using the portal code AITRUST
2. Click Complete Evidence of Insurability.
3. Answer questions about you and other applicants. You’ll be asked:
   • General applicant information, such as date of birth, height, and weight
   • Qualifying questions, including if you or other applicants have been diagnosed with a disease or are prescribed medications for a condition
   • Medical questions: We may need to know a little more information, such as the diagnosis, first onset, and related treatments, if you or other applicants have a medical condition
4. Review your responses, then electronically sign and submit your application.
5. Save your confirmation report.

In some cases, you may be auto-approved for coverage. Otherwise, Lincoln Financial will review your application and contact you if more information is required. In all cases, they’ll notify you of your application outcome.