Group Benefits

Disability

The financial consequences of disability can be devastating. Not many people could manage without a regular source of income, even for a short time. That's why protecting the ability to work and earn an income is a valued component of a complete employee benefits program.

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Work with a leader

With over 50 years of group disability plan experience, MetLife is committed to offering valuable financial protection for employees against the risk of disability. MetLife is the nation's 2nd largest group disability income insurance carrier based on Inforce Premiums and Equivalents¹ — offering a range of flexible benefit options that can be customized to fit a company's needs and add value to its benefits program. Leveraging its financial strength and stability, MetLife offers products and services that may assist in reducing employer administrative costs and deliver operational excellence and superior service.

We provide solutions for our customers

Our comprehensive portfolio of products and services includes insured group products, as well as Supplemental Individual Disability Income Insurance.

Voluntary Short Term Disability—Allows employers to add valuable disability converage to their employee benefits program without adding to their costs. VSTD can help you maintain a productive workforce and attract and retain employees. For employees, VSTD provides affordable income protection during a disability, and easy premium payment through payroll deduction.
Short Term Disability—Income protection for a period of disability, typically 60% replacement of income with 13 to 26 weeks maximum duration.
Long Term Disability—Provides replacement of a reasonable portion of lost income (usually between 40% and 66 2/3%) for longer periods of disability from 12 months up to retirement age.
Reserve Buy-Outs (RBOs)—A contractual arrangement that allows employers to transfer existing administration and claim liability from self-funded LTD plans to MetLife in return for a premium payment.
Supplemental Individual Disability Income Insurance—Enhanced coverage that can help close a gap in coverage for highly compensated employees and executives.

Our contracts are built on clarity and flexibility

To help smaller employers provide employees with valuable disability income protection, MetLife now offers additional options that can help employers tailor their benefits programs to their unique needs. The enhancements, which are designed to provide greater overall flexibility to meet the needs of small business customers, include:

Wider range of options on provisions such as eligibility requirements, maximum benefit amounts and pre-existing condition limitation/exclusion.
Lower participation levels available for groups meeting certain requirements for contributory Short Term Disability and/or Long Term Disability.

Like most group disability insurance policies, MetLife group policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about complete costs and 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.

¹ 2008 U.S. Group Disability Sales and In force Survey, LIMRA International. Based on premiums and equivalents in force.

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