How to submit an LTD claim

How to submit an LTD claim

LTD Claims

If you become unable to work due to an unforeseen illness or injury, you may be eligible to receive monthly benefits through your Long-Term Disability (LTD) coverage. After the elimination period ends, MetLife will begin issuing payments directly to you for as long as you remain eligible for the plan – making the claims process as smooth as possible. You may also be eligible for financial incentives by participating in approved rehabilitation programs – designed to support your recovery both functionally and financially.

Here’s what’s needed for an LTD claim:

Employee Statement

Employer Statement

Attending Physician’s Statement

Reimbursement form

Relevant Medical Records

Captures personal information and disability details

Captures policy, employee, and job description details

Detailed medical report prepared by a licensed physician, typically containing medical history, health status, functional limitations, and observations.

Captures payment preferences and banking information

Documentation related to the disability, including diagnosis and prognosis, treatment plans, progress notes, medical history, and/or diagnostic test results.

More about Long Term Disability claims

For Long Term Disability claims, the claim form is made up of three parts:

Employee Statement – Captures personal information and disability details
Employer Statement – Captures policy, employee, and job description details
Attending Physician’s Statement – Detailed medical report prepared by a licensed physician, typically containing medical history, health status, functional limitations, and observations.

These are posted on our Claim Forms page separately and altogether as one form.

Typically, each person completes their respective form (i.e., the employee completes the Employee Statement, the employer completes the Employer Statement, and the doctor completes the Attending Physician’s Statement) or each person completes their own section of the all-inclusive Long Term Disability form and submits to MetLife. You can choose whichever works easier for you.

The employee is responsible for providing the Attending Physician’s Statement to their doctor for completion.

Once all forms are returned to MetLife, the claim can begin to be processed.

The LTD Claim and Reimbursement forms can be completed digitally and submitted via email or fax. Forms are available on our Claim forms page.

What happens next

Once the claim is submitted:

Evaluation – Our medical review team will assess your documentation to determine eligibility and the duration of your approved claim. This may take up to 10 business days and could involve multiple medical or mental health specialists. If more information is needed, we’ll contact you directly.
Claim Decision – Once the review is complete and all documents are received, we’ll process your claim within 10 business days. You’ll receive an approval letter that includes your recertification date (if applicable).
Initial Payment – Your first payment will be issued via direct deposit (U.S. or eligible foreign banks) or check in USD.
Ongoing Payments – Payments will continue monthly until you return to work, your benefit period ends, or your recertification date arrives.
Recertification – If required, we’ll request updated medical records before your recertification date to avoid any interruption in payments.