Disability
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 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.
Long Term Disability:
The Long Term Disability (LTD) benefit may help replace a portion of your predisability monthly earnings, less other income you may receive from other sources1 during the same Disability (e.g., Social Security, Workers’ Compensation etc.).
The Core Benefit amount is 60% of your predisability monthly earnings subject to the plan’s maximum monthly benefit.
Short Term Disability:
Travelers provides you with Short Term Disability (STD) at no cost. The Benefit amount is 100% of your predisability weekly earnings during the first 8 weeks of benefits and 80% for weeks 9 through 13.
Special Considerations for short-term disability (STD):
If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”)3, you are required to apply for these benefits. If permitted, 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.
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.
To file a claim, you should submit your claim to MetLife either online at mybenefits.metlife.com or by phone at 800.421.7810. Once your claim is set up, you can track the status of it and submit updates online.
Planned disability absences should be reported through the Travelers Absence Management system no more than 30 days prior to the absence.
Help Keep Your Income Coming In
Receive a portion of your pre-disability income if you’re unable to work.
Special Considerations
1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, exceptions, 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 These jurisdictions include, but may not be limited to, California, Connecticut, District of Columbia, Hawaii, Massachusetts, New Jersey, New York, Oregon, Rhode Island, Washington (and Colorado as of 1/1/24; Maryland, Delaware and Minnesota as of 1/1/26 and Maine as of 5/1/26).