Disability

Protect your income…

Disability insurance provides important financial protection for your family. For more information, contact MetLife at 1 800 GET-MET8 or click here and select Indianapolis Public School (IPS)

Maintain your standard of living

Medical insurance may help cover treatment due to an accident or illness, but how do you cover your income? Protects yourself, your family and your savings from the impact of your lost income.

Disability insurance provides a steady stream of income to help cover essential expenses when an extended illness, injury or pregnancy keeps you away from work.

What you should know: 

  • Picks up where short-term disability plans leave off
  • Helps keep you on track to achieve your short-term financial goals

Did you know? A disability constitutes anything that keeps you away from work for an extended time.

Indianapolis Public Schools offers you the option to enroll in Long Term Disability and Short Term Disability insurance.

STD Plan Details Option 1 (7 Day)

STD Plan Details Option 2 (30 day)

WSTD FAQ's

It is an affordable way to help protect your income when you are unable to work due to illness or injury. 1 in 8 workers will be disabled for five years or more during their working careers.1 That’s why financial experts recommend short term disability insurance as part of a sound financial plan. 

Having short term disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income when you are unable to work due to a disability. 

Consider any expenses you may incur in the running of your household, such as car payments, mortgage payments, groceries and child care, that would still need to be covered in the event of a disability. 

Depending upon the amount of coverage you choose, payments will be made directly to you — not your employer, hospital, doctor or insurance company. 

Disability insurance is more affordable than you may think, and you can take advantage of competitive rates available through a group plan. 

Premiums will be conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.2 

Yes. Your coverage is portable, which means you can take it with you. You will need to continue to pay your premiums directly to MetLife to keep your coverage in force.4

Yes. As long as you are actively at work, your enrollment is guaranteed.3 

As one of the nation’s leading providers of disability benefits,5 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability.

LTD FAQs

It is an affordable way to protect your income when you are unable to work due to illness or injury. Accidents and illness can happen to anyone, and it can impact your ability to earn money. That’s why financial experts recommend long term disability insurance as part of a sound financial plan.

Having long term disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income for an extended period of time.

Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.

Payment will be made directly to you — not your employer, hospital, doctor or insurance company. The amount of the payment will depend on the amount of coverage you choose.

Disability insurance is more affordable than you may think. For example, a healthy male age 35 may get a $1,000 monthly benefit for an initial premium of about $25 a month.6 Rates for your plan(s) can be found in the enrollment materials provided by your employer.

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online or on the MetLife US App. Search “MetLife” on iTunes® App Store or Google Play to download the app.

Enrolling in a plan is not mandatory, but it is a good idea and an affordable way to help protect your income. Without long term disability, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness.

It is best to enroll during your open enrollment period when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.

Helpful Resources

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LTD DISABILITY INSURANCE CLAIM FORM

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How much disability insurance should you have?

Find out with our disability insurance calculator

Calculator

1. Council for Disability Awareness, http://www.disabilitycanhappen.org/chances_disability/disability_stats.asp,Accessed January 2017.

2. If you leave your current employer, you will need to continue to pay your premiums directly to MetLife for your coverage to remain in force.

3. Coverage is guaranteed subject to your employer's plan limitations and provided you are actively at work. You will be deemed actively at work provided you are performing all of the usual and customary duties of your job at the employer's place of business or at an alternate place approved by your employer.

4. Not available in all states. Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. In Ohio, continued coverage will automatically end when the group policy ends. For more information, contact your MetLife representative.

5. LIMRA, U.S. Group Disability Sales and In Force Survey, 2016.

6. Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount f coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.