Executive Benefits

Supplemental Disability Income Insurance

Attracting and retaining the right employees is paramount in driving a company's success.

Offering supplemental disability income insurance allows an employer to offer a more robust benefit program that supports the recruitment and retention of executive level employees.

A supplemental disability income program from MetLife offers highly compensated employees a more equitable level of income protection as well as the opportunity to insure:

• Income beyond monthly maximums of existing group plans
• Compensation from bonuses and commissions (which some group plans may not cover)

Supplemental Disability Income Insurance Program Options:

Depending on an employer's support for a supplemental disability program, MetLife can offer employees the opportunity to protect their most valuable asset, their ability to earn an income.

Guaranteed Standard Issue (GSI): Implemented with limited underwriting, no medical exams, and an abbreviated application, GSI features flexible payment options allowing an employer to pay all, some, or none of the premium. The premium can also be paid as a bonus to key employees or executives.

Fully Underwritten MultiLife: Can be implemented with as few as three eligible employees. In addition to premium discounts, the flexible payment arrangements and optional benefits of this program make it easier to choose the right program for you and your employees.

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 income 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 may not be available in all states.