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.
Maintain your standard of living
Medical coverage may help cover treatment due to an accident or illness, but how do you cover your income? Protects yourself, your family and your savings from the impact of your lost income.
Disability coverage provides a steady stream of income to help cover essential expenses when an extended illness, injury or pregnancy keeps you away from work.
What you should know:
- Picks up where short-term disability plans leave off
- Helps keep you on track to achieve your short-term financial goals
Did you know? A disability constitutes anything that keeps you away from work for an extended time.
Our employer offers you the option to enroll in Short Term Disability coverage.
Product Overview
Life has changed, but the need to protect and provide for loved ones has not.
Disability Insurance FAQs
It is an affordable way to help protect your income when you are unable to work due to illness or injury. 1 in 8 workers will be disabled for five years or more during their working careers.1 That’s why financial experts recommend short term disability insurance as part of a sound financial plan.
Having short term disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income when you are unable to work due to a disability.
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.
Disability insurance is more affordable than you may think, and you can take advantage of competitive rates available through a group plan.
Premiums will be conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.2
Yes. Your coverage is portable, which means you can take it with you. You will need to continue to pay your premiums directly to MetLife to keep your coverage in force.4
Yes. As long as you are actively at work, your enrollment is guaranteed.3
As one of the nation’s leading providers of disability benefits,5 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.
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.