Long Term Disability Insurance

Long-Term Disability (LTD) Insurance

The need to be better prepared for life events that keep us out of work has become more important than ever before. Long Term Disability insurance may help provide a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

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 to cover everyday expenses. Enrollment is simple but the benefits are significant.

  • May help replace a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition 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 — whether suffered at work or not.

Documents

LTD PLAN SUMMARY
LTD – NEW HIRE BROCHURE

Help Keep Your Income Coming In

Receive a portion of your pre-disability income if you’re unable to work.

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1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, 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, Year-End 2020.