Attracting and retaining the right employees has become paramount in driving a company's success. Supplemental Individual Disability Income Insurance can make the difference for your clients.

Your clients may already provide their employees with a solid layer of base coverage with Group Disability insurance. However, Group Disability plans typically replace 60% of an employee's pre-tax income, excluding bonuses, commissions or other incentive pay. You can help your clients' employees supplement their base coverage with a Supplemental Individual Disability Income Insurance policy that can be:

• Tailored to meet the needs of a broad population of employees; or
• Offered as an added incentive for executives.

Working in concert with a Group Long Term Disability (LTD) plan, Supplemental Individual Disability Income Insurance offers:

• Protection that provides a higher and more appropriate level of income replacement for employees.
• Coverage for bonuses and commissions, as well as other applicable incentive compensation that may not be covered by the Group LTD plan.
• Discounted premiums and a policy that is completely portable as long as the premiums are paid.

With MetLife, coverage can be offered in three flexible ways:

1. An employer-paid benefit for a particular employee segment, such as executives and other key employees.
2. A voluntary employee-paid benefit for a larger segment of your employee population.
3. With optional benefits to customize and further enhance your client's program.

MetLife's Supplemental Individual Disability Income Insurance provides a solution for your clients' employees' income protection needs. Offering Supplemental Individual Disability Income Insurance can help you build your business, and is also one of the best ways to help your clients recruit, retain and reward executive employees.

By aligning yourself with MetLife, an industry leader, you can achieve unlimited success.

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Additional Information:

Supplemental Individual Disability Income Insurance Overview

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For more information about MetLife's Supplemental Individual Disability Income Insurance, speak with your Benefits Consultant or MetLife Representative.