Long Term Disability
The need to be better prepared for life events that keep us out of work has become more important than ever before. Disability insurance may help provide a steady stream of income to help cover your bills and expenses when an injury or illness prevents you from working.
Available to Active, Eligible Staff and Faculty, who become disabled on or after July 1st, 2023
Help replace a portion of your income if you cannot work1
If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a disability, you need coverage that's quickly accessible and payments that help you cover everyday expenses. Enrollment is simple and the benefits are significant.
- Disability insurance may help replace a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition(s) or accidental injury.
- Benefit payments are made directly to you and you decide how to spend the money.
- Helps you meet your day-to-day financial obligations so your long-term goals can stay on track.
Did you know disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Disability insurance covers you when you’re unable to work because of illness or injury.
Special Considerations
If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), you should carefully consider whether to enroll for short term disability (STD). In California, Connecticut, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington, Oregon (starting 9/3/23), and Colorado (starting 1/1/24), if eligible, you must apply for State Benefits. Your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.
Plan Details
Life has changed, but the need to protect and provide for loved ones has not.
Disability Insurance FAQs
Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, childcare, tuition and more, that would still need to be covered in the event of a disability.
In most cases, payments will be made directly to you. Payment amounts may vary.
MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim and submit claim updates online via our mobile enabled web portal. Please call 1-866-729-9200 or visit USC MyBenefits .
As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability.
Disability Insurance
If serious injury or illness keeps you from working, disability insurance may help you maintain your quality of life while recovering.
1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter, 2022.