Short Term Disability
Effective January 1, 2025, MetLife is the new administrator of the USC Basic and Supplemental Short Term Disability Plans.
MetLife Short Term Disability Insurance Coverage can help protect your income when you are unable to work. It’s easy to apply for short-term disability coverage—and it covers more than you think. From pregnancy to back surgery to behavioral health issues, disability coverage can protect your income when you’re unable to work and help you take care of everyday expenses
Useful Documents:
If you would like more information regarding USC’s Disability and leave process, please go to:
https://employees.usc.edu/benefits-perks/disability-and-workers-compensation/disability/
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 based on coverage selections.
Enrolling in a plan is not mandatory, but it is a good idea and an affordable way that may help protect your income. Without disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from an accident or illness.
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.
As one of the nation’s leading providers of disability benefits,1 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability.
If you choose to opt out of the Supplemental STD plan and later decide to re-enroll, your years of continued participation will reset. This means you will need to start your contributions anew and the effective date your benefits will be recalculated based on your new start date.
1 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter, 2022.
Like most group benefit programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force. Ask your MetLife group representative for costs and complete details.