Long Term Disability Insurance (LTD)

The need to be better prepared for life events that keep us out of work has become more important than ever before. Disability insurance provides a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

Safeguard your salary with disability insurance

Life has changed, but the need to protect and provide for loved ones has not. More than ever, it’s important to help ensure that you and your family are prepared to meet essential living expenses should you become unable to work. New hires and employees experiencing a qualifying life event have 60 days to enroll.

What is disability insurance?

Help replace a portion of your income if you cannot work1

If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a disability, you need coverage that's quickly accessible and payments that help you to cover everyday expenses. Enrollment is simple but the benefits are significant.

  • Replaces a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition or accidental injury.
  • Benefit payments are made directly to you and you decide how to spend the money.
  • Helps you meet your day-to-day financial obligations so your long-term goals can stay on track.

Did you know disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

LTD Insurance

The LTD coverage is a voluntary benefit in which you pay the entire premium. More details are available in the Plan Summary.

You have two options:

  • 60% of monthly earnings with 90-day Elimination Period Option
  • 60% of monthly earnings with 365-day Elimination Period Option

Premiums shown below are the monthly rate per $100 of covered monthly earnings. Your LTD coverage cost is based on which option you elect and your age as of April 1, 2021. These rates are guaranteed until April 1, 2022.

LTD Insurance FAQs
What are the essential living expenses that I should be most concerned about? Collapsed Expanded

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.

How do disability payments work? Collapsed Expanded

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

What if I choose not to have disability insurance? Collapsed Expanded

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

What happens when I want to file a claim? Collapsed Expanded

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.

As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. 

Tony hurt his back, but not his ability to have an income

If serious injury or illness keeps you from working, disability insurance can help you maintain your quality of life while recovering.

1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative about 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 Department of Financial Services. 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.