Hospital Indemnity Insurance
Hospital Indemnity Insurance overview
Our Hospital Indemnity Insurance, provided by Lincoln Financial Group, helps you cover expenses in the event of hospitalization and coverage is guaranteed – there is no need to answer any medical questions.
Hospital Indemnity Insurance complements your medical plan. It provides you with a lump sum payment to help you cover out-of-pocket costs in the event of hospitalization.
You can use the lump sum as you see fit, including to cover inpatient treatments, tests, therapies and other services, or your deductible, copays/coinsurances, and any other costs not covered by your medical plan. Or, if you are out of work unexpectedly and are unable to meet household expenses – like your mortgage, car payment or childcare – due to lost or reduced income while you recover, you could use your lump sum to help cover these types of expenses. Having extra financial support in such circumstances means you can focus on your recovery with less worry.
How to make a claim
If you are hospitalized, follow the six simple steps to submit your claim through the Lincoln Financial self-service benefits website
- Log in to LincolnFinancial.com. First-time users need to register. See instructions below for first-time user registration:
- Select Register on the top right of the page.
- Choose the Register now button for individuals.
- Enter the requested information.
- Validate your identity and create a username and password.
- Select Log in Now.
- Select Hospital Indemnity coverage to proceed with filing your claim.
- Navigate to the claims section of the portal and select Submit a claim.
- Answer the questions that appear, and upload requested supporting documentation.
- Confirm your submission.
- Check the status of your claim online anytime at LincolnFinancial.com.
Other ways to submit a claim:
- Online: Through secure messaging on the self-service portal
- Email: FileClaim@LFG.com
- Fax: 888-735-7636
- Mail: The Lincoln National Life Insurance Company P.O. Box 2609 Omaha, NE 68103
Lincoln Financial Customer Service Representatives will be available to answer questions at any time throughout the claims process.
How much does this benefit cost in 2025?
| Coverage type | Associate cost per pay period |
|---|---|
| Associate only | $7.14 |
| Associate + spouse | $12.51 |
| Associate + child(ren) | $12.51 |
| Associate + family | $17.34 |
“Hospital Indemnity Insurance gives me peace of mind, and it’s even better now that there is no pre-existing condition limit.”
How to make the most of this benefit
- Add dependent coverage – your spouse and any children through the month they turn age 26 are eligible.
- If you need emotional support or counseling following hospitalization, the Employee Assistance Program is available to you 24/7.
- Change your coverage at any time during the year if you have a relevant and qualified change in family status (e.g. you get married and want to add your spouse) – update your elections in Workday.