MetLife knows you see disability insurance as a high-risk, high reward business.  Our Disability Income business is designed to mitigate the risks of high-noise and employee feelings of vulnerability.  By leveraging MetLife to build your disability block, you’ll benefit from the confidence of an industry leader that has already helped thousands of brokers grow their businesses.

MetLife offers your clients cost management solutions, a best-in-class service model, and financial strength and stability. MetLife’s disability and absence management products and services may help our customers reduce their administrative costs and deliver a superior service model that is easier for employers and employees.

Solid Contract Aligned with the Claim Model

• Contractual return to work incentives help keep workers working.
• Strong definition of disability focuses on an employee’s ability to earn an income.

Superior Claim Service Platform

• Intelligent analysis of conditions based on proprietary claim data.
• "Right resources at the right time" philosophy provides appropriate claim decisions and management.
  • In-house specialists have both general and specialty expertise. Based upon the claimant’s diagnosis, severity and work potential, claims are routed for appropriate review.
  • Resources include: general nurses and clinicians specializing in orthopedics, internal medicine, psychology, occupational health, oncology, and cardiology; certified rehabilitation consultants; and Social Security Specialists.
• Disability Process Automation (DPA) Streamlines and Enhances Claims Management
  • Automates the prioritization and distribution of claims professionals’ work to strengthen claims management procedures and help drive superior service.
  • DPA delivers to you and your employees an exemplary experience designed to address your employees’ needs while they try to return to work.

Expert Advice, Analytics and Information Sharing

• We are committed to being your "cost control partner" who can help identify and benchmark direct and indirect costs of employee absence, so you can do what’s best for your company and your employees.
  • Online customer reporting to measure employee absence and its potential impact on costs, operations, and productivity
  • Cost measurement and impact, trend analysis, and recommendations

Proprietary Resources for All Customers

• Our in-house specialty resources, such as Fraud Detection and Prevention, Quality Assurance, Training, and Appeals, enable us to maintain better control over processes and workflow, resulting in consistent quality and superior performance.

Flexible Funding

• We allow a variety of funding arrangements to address financial and accounting considerations:
  • Insured (STD/LTD)
  • Self-Funded (primarily STD)

Service Experience That’s Easier¹

Customer satisfaction is a key goal. As a group disability leader, MetLife’s service model allows us to deliver many benefits to our customers. Our innovative technology solutions are currently helping more than 30,000 groups with over 19 million employees simplify their employee benefits programs.  Easier, Smarter Services for Employers.

• Multiple resources and tools for employers to use:
  • MetLink® real-time¹ Web portal for self-service: claim initiation, status inquiry, email notifications, Web reports, forms, rosters
  • Multi-channel claim intake via Web, phone, fax, mail
  • Multiple workforce planning communication methods
    • MetLink®
    • Advice To Pay Report
• Ability to work with third parties

Employee Self-Service for Disability Claim Assistance

• Multiple resources and tools for employees to use:
  • MyBenefits real time¹ Web portal for employees self-service: claim initiation, status inquiry, email notifications, forms, and web reports
  • Dedicated Customer Response Center Consultants
  • Integrated Voice Response (IVR)

Responsive Service to Employees

• Treating claimants with dignity, fairness, respect
  • Stringent Quality Assurance processes require and ensure that claimant inquiries are addressed
• Paying claims accurately & timely
  • 99% success rate of financial accuracy in disability benefit payments
• Frequent, effective communication "touch points"
  • 2 business days contact to obtain missing data
• Phone call on decisions and to discuss RTW plan
  • Automation to speed up the "check in hand"
• Claim triage based on severity and duration of condition
  • Electronic imaging of claim information
  • EFT of benefit payments
• Integrated LTD/Life Waiver of Premium
  • Single claim intake integrated process
• Monthly claimant satisfaction measures

Broad Service Portfolio

• MetLife offers a comprehensive portfolio of products and services to help you attract and retain employees:
  • Group short term disability (STD), including state-mandated plans*, Administrative Services Only/Advice-to-Pay*, and California Voluntary Disability Plan with Paid Family Leave Administration*
  • Group long term disability insurance (LTD), including LTD Reserve Buy-outs
  • Disability Buy-Up: Individual Disability Income (IDI) insurance²**, offered in conjunction with Group LTD
  • Family Medical Leave Act (FMLA) administration
  • Synchrony® - integrated absence management service for workers’ compensation, group disability (STD/LTD), and FMLA administration (www.insynchrony.com) ³**
  • Total Absence Management Services includes ASO and ATP STD, Group LTD, FMLA & certain other leaves of absence***
  • Employee Assistance Program (EAP) through MHN, Inc.⁴ 

Implementation Support

• Highly skilled teams who learn customer’s culture
• Workflow expertise applying the right resources at the right time

Financial Strength and Stability

MetLife has been in the insurance business since 1868 and has been providing benefits since 1914. We are the nation’s 2nd largest group disability income insurance carrier based on inforce premiums and equivalents5. In addition, MetLife has consistently received high ratings from the major rating agencies for financial strength and claims-paying ability.

• A.M. Best, A+ (Superior)
• Fitch Ratings, AA (Very Strong)
• Moody’s Investors Service, Aa2 (Excellent)
• Standard and Poor's, AA (Very Strong)

(As of May 2007)

MetLife is celebrating 50 years as one of the leaders in the group disability insurance business. MetLife’s commitment to the disability market is reflected in our 93.3% retention rate based on premium6. The bottom line: Customers who come to MetLife, stay with MetLife.