Supplemental Disability Income

Individual Disability Income Insurance

The greater the income, the greater the potential loss if one of your clients becomes disabled for an extended period of time.

Why leave it to chance? You can help your clients be prepared for a loss of income with Individual Disability Income Insurance from MetLife.

• Flexible income and business protection products
• Dedicated service and support
• Experience and expertise from an industry leader

Individual & MultiLife Markets

• Noncancelable and Guaranteed Renewable coverage available
• Optional benefits to increase value and level of customization
• Guaranteed Standard Issue (GSI) coverage available on select cases
• Term Premium Conversion (TPC) Rider

Small Business Owner Market

• Expense Plus - Business Overhead Expense coverage – reimburses the owner’s share of covered business expenses (e.g., rent, employee wages) while the owner is disabled, up to the limits of the policy.
• Buy-Sell Business coverage – provides funds for the other owners to purchase the disabled insured's ownership interest (up to the policy limits), allowing the other owners to acquire the disabled owner's share of the business with minimal business interruption. 

Guaranteed Standard Issue (GSI) program is an arrangement through an employer that offers employees individual disability coverage with limited underwriting at a discounted rate. It can help provide employees with more comprehensive income protection in the event of a loss of income due to a disability.

For more information about MetLife Disability Income Insurance, contact your insurance broker, benefits consultant, or MetLife representative.

Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, limitations, reductions of benefits and terms for keeping them in force. See your MetLife representative for costs and complete details.

FOR POLICIES ISSUED IN NEW YORK: These policies provide disability insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. 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.

All products and features may not be available in all states.