Not many people could get by without a regular source of income even for a short time. In fact, a short-term disability can have a long-term financial impact on employees and their families. That’s why selecting the right Short- and Long-Term Disability income insurance provider is such an important decision.

Work with a leader. Celebrating 50 years of group disability plan experience, MetLife is committed to offering valuable financial protection for employees against the risk of disability. MetLife is the nation’s 2nd largest income insurance carrier based on Inforce Premiums and Equivalents1 – offering a range of flexible benefit options that can be customized to fit a company’s needs and add value to its benefits program. Leveraging its financial strength and stability, MetLife offers products and services that may assist in reducing employer administrative costs and deliver operational excellence with a best-in-class service model.

Short and Long Term Disability
Our STD and LTD policies are based on a philosophy that focuses on employees' abilities and concentrates on early intervention and rehabilitation programs which motivate employees to return to work when appropriate, while accommodating their individual needs. In addition, our concern for your employees is echoed in our value-added Life Advice® program, available at no cost.

• Plan designs for employers with 10-499 employees
• Fully insured plans
• Rehabilitation Incentives- Work Incentive Benefit, Rehabilitation Program Incentive, Family Care Incentive, and Moving
• Expense Incentive 
• Organ Donor Benefit 

• Plan designs for employers with 10-499 employees
• Fully Insured Plans
• Rehabilitation Incentives: Work Incentive Benefit, Rehabilitation Program Incentive, Family Care Incentive, and Moving Expense Incentive.

• Claims management that provide the right resources at the right time
• Job site accommodation services
• Early intervention programs
• Social Security application and appeals assistance

Like most group disability insurance policies, MetLife group policies contain certain exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Please contact us for costs and details.