[1]VLCT's Life and Disability Insurance program allows VERB Trust members to enhance their employee benefits. Members benefit from group rates for life, short-term disability, and long-term disability insurance plans. Their employees benefit by being guaranteed issue, which means they do not have to show proof of insurability by completing a medical questionnaire. In addition, the policy covers employees both on and off the job, giving them 24/7 coverage. Lincoln Financial Group [2] administers the program for VLCT.

For more information or to obtain a quote, please use our online Request Coverage Information [3] form. If you prefer, you may call 1-800-649-7915 and speak with Larry Smith, Manager, Member Relations (or email him at lsmith@vlct.org [4]), or Kelley Avery, Health Benefit Programs Administrator (or email her at kavery@vlct.org [5]). Members who already have VERB's Life or Disability coverage can also use this handy Lincoln Financial Group contact information page [6].