11 January 2011

The Group Protection segment of Lincoln National Corporation (NYSE:LNC) today announced its expansion of group dental insurance offerings with the launch of Lincoln DentalConnectSM DHMO, a dental health maintenance organization (DHMO) option now available in the states of California, Florida and Texas.

"As one of the major providers of dental benefits, we’re committed to offering employers and brokers quality group dental choices," said Sandra Callahan, Senior Vice President, Group Protection Operations. "We are very pleased to expand our selection of expert dental service options to employers with employees located in California, Florida, and Texas."

"The launch of Lincoln DentalConnectSM DHMO allows employers to give more flexibility and choices to employees located in these states," said Sue Wright, Assistant Vice President, Dental Product Development. "As both employers and employees alike have become ever more cost-conscious, the Lincoln DentalConnectSM DHMO provides a highly effective way to maximize dental benefits and stretch benefit dollars even farther."

With the new Lincoln DentalConnectSM DHMO plan:

  • Employers in CA, FL, and TX can give their employees in those states more choices, by offering both Lincoln’s DHMO plan option and Lincoln’s PPO (preferred provider organization) plan.
  • Flexible payment options: plans can be offered as employer-paid or employee-paid.
  • Online group administration reduces errors, saving time and money.
  • Online dentist locators help employees quickly find a quality, local dentist.

Lincoln DentalConnectSM DHMO also offers the following key features:

  • Strong provider network
  • Dollar copayments and no deductibles
  • No calendar year maximum
  • Orthodontia coverage
  • No waiting periods
  • Online tools

Group insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions may apply. Currently for use in California, Florida and Texas only.

Lincoln DentalConnectSM DHMO is underwritten in California by Dental Benefit Providers of California, Inc., a licensed Specialized Healthcare Service Plan. Dental Benefit Providers is not a Lincoln Financial Group® company.

Lincoln DentalConnectSM DHMO is underwritten in Florida by Solstice Benefits, Inc. a licensed HMO; and administered by Dental Benefit Providers, Inc., a licensed TPA. Solstice Benefits is not a Lincoln Financial Group® company.

Lincoln DentalConnectSM is underwritten in Texas by National Pacific Dental, Inc., a licensed Single Service HMO. National Pacific Dental is not a Lincoln Financial Group® company.

Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

About Lincoln Financial Group

Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. With headquarters in the Philadelphia region, the companies of Lincoln Financial Group had assets under management of $150 billion as of September 30, 2010. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; and comprehensive financial planning and advisory services. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit www.LincolnFinancial.com.


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