Disability and Absence Services
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.
Safeguard 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.
If You are eligible for STD/LTD insurance, you will be automatically enrolled on the date you become eligible. You may elect to decline insurance on or prior to the date you become eligible. If you do not elect to decline insurance, coverage will take effect on the date you become eligible.
If you elected to decline insurance when first eligible, you will not be able to enroll for insurance until the next annual enrollment period, unless you experience a qualifying left event. At that time you will be able to enroll for insurance, and will be required to give evidence of insurability. If you do not complete evidence of insurability or the evidence of insurability is not accepted by MetLife as satisfactory, you will not be covered for Disability Insurance. If we determine that you are insurable, insurance will take effect on the date we state in writing, provided you are actively at work on that date.
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.
Plan Details
SEG offers disability plans for both full-time hourly and salaried associates. Please choose the appropriate option below for details
Documents
In addition to filing a claim with MetLife, SEG requires all associates to contact their HR Contact Center to apply for a leave of absence within 3 days of opening a disability claim. It is important to note that failing to call SEG to apply for a leave of absence will impact your leave eligibility and may impact your employment status. The HR Contact Center can be reached Monday – Friday 8:30am – 5:00pm (EST) at 855-473-6763 or by email at HRForMe@segrocers.com.
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.
Disability Insurance
If serious injury or illness keeps you from working, disability insurance may help you maintain your quality of life while recovering.
Enroll at www.mysegbenefits.com
Questions? Call 855-473-6763, Mon – Fri 8:30am – 5:00pm
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 this coverage. In California, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Connecticut starting 1/1/22, Oregon starting 1/1/23, 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.
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.