Important Information Relating to Pre-existing Condition Claim Administration In New York
Many of us do not think about what might happen if we couldn’t work due to injury or illness. It is difficult to prepare for this type of situation and MetLife recognizes the challenges a disability may present. We are committed to providing you support while you are unable to work and understand the obstacles that may present themselves in preventing you from working. We are dedicated to working with you, your employer and your health care provider to accomplish recovery and your eventual return to work when appropriate.
What Is a Short Term Disability (STD) Benefit Plan?
STD is a benefit plan that replaces a portion of income lost because of an injury or illness that prevents an employee from working. Benefits may continue for a certain length of time as specified by the particular plan. For example, 1 week, 13 weeks, 26 weeks, 52 weeks, or until Long Term Disability benefits become payable. Please reference your plan materials to determine how long your benefits may continue.
For more information on Short Term Disability (STD) and filing a claim, click here  STD Claims Process
What Is a Long Term Disability (LTD) Benefit Plan?
LTD is a benefit plan that replaces a portion of income lost because of an injury or illness that lasts for an extended period of time and prevents an employee from working. Benefits may be paid following an elimination or waiting period and may continue to the maximum length of time specified by the plan; for example, until the employee reaches a certain age. Please reference your plan materials to determine how long your benefits may continue.
What Is the Family Medical Leave Act (FMLA)?
FMLA stands for the Family Medical Leave Act, a federal law enacted in 1993. Under the FMLA, eligible employees may take up to 12 weeks time off from work because of their own serious health condition to care for a spouse, child or parent who has a serious health condition, or to care for a newborn child, newly adopted child, or newly placed foster child. Leave may be taken in continuous spans of time or through intermittent or reduced-schedule leave, subject to certain exceptions and limitations. Please contact your employer to determine how FMLA is administered at your company.
The content of these questions and answers is provided for your information and convenience. If you are covered or become covered for benefits, the terms and conditions of your coverage are determined by the applicable benefit plan documents and/or MetLife insurance policy, contract, or certificate. In the event of any conflict with the content of these questions and answers, the applicable benefit plan or MetLife insurance documents shall be controlling. You can obtain copies or instructions on how to obtain copies of those documents from MetLife or your employer.
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