Long Term Disability Insurance
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 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.
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. |
Visit MyBenefits to file a claim or view your benefits information. |
Plan Details
Life has changed, but the need to protect and provide for loved ones has not.
Useful Documents:
Disability Insurance FAQs
Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.
Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.
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 online or on the MetLife US App. Search "MetLife" on iTunes® app Store or Google Play to download the app.
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.
How much disability insurance should you have?
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, 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.