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 prevents you from working.
Help protect your salary with disability insurance
Life has changed, but the need to protect and provide for loved ones has not. More than ever, it’s important to help ensure that you and your family are prepared to meet essential living expenses should you become unable to work.
Help replace a portion of your income if you cannot work1
If you lost your ability to earn income, how would you pay 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.
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 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,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?
Help Keep Your Income Coming In
Receive a portion of your pre-disability income if you’re unable to work.