Income Protection Plan

Coverage that combines basic life insurance and long term disability (LTD) coverage

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View your Long Term Disability Plan Certificate >

To report a Disability - call MetLife 1-833-622-0135 or file electronically through the MetLife Employee Portal - MyBenefits. If prompted, type State of Minnesota in the Access MyBenefits box.

Income Protection Plan can help replace a portion of your income for an extended disability.1

Your ability to earn an income is one of your most valuable assets—and could be majorly impacted if you experience an extended illness or injury. Income Protection Plan can help protect your income and lifestyle if you are unable to work due to an extended disability.

  • Benefit payments are made directly to you, and you decide how to spend the money
  • Can help you meet your financial obligations while you are unable to work so your long-term goals stay on track

Not sure how much Disability Insurance coverage you need? Use this calculator to find out.

Coverage Calculator

Income Protection Plan FAQs

The IPP combines basic life insurance and long term disability (LTD) coverage. The State pays for it.

You choose either option A or B:

  • Option A is life insurance equal to one and a half (1 ½) times your annual salary AND disability insurance. The disability coverage begins after 150 days. You can pay to shorten the amount of time to 120, 90, 60, or 30 days.
  • Option B is life insurance equal to two (2) times your annual salary. You have the option to add disability coverage and pay for it yourself.

Review the Summary of Benefits for more details.

Employees who work under two pay plans: The Manager’s Plan and certain employees who work under the Commissioner’s Plan.

You may pay as little as $0. The most you’d pay is determined by which option you choose, your salary and the amount of time you choose before your disability benefit begins paying. Use this worksheet to help understand the numbers.

If your disability claim is approved, payments will be made directly to you. Payment amounts vary based on coverage selections.

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. You may need written proof of your disability from your treatment provider(s) to be approved for a claim. You may also need to provide additional medical records concerning the details of your disability. Your insurer may also want you examined at their cost and/or may require financial information from you. Please see your company’s benefits administrator for details.

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 you experience a disability.

2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Fourth Quarter 2023.

The definition of disability will vary depending on your plan. Please consult the State or review your Certificate of Insurance for specific details.

You begin to receive checks 150, 120, 90, 60, or 30 days after you are disabled from work. The amount of time depends on the option you bought.

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1 Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for complete costs and 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 Insurance Department. 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, Fourth Quarter 2023.