Long Term Disability

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

As of July 1, 2024 MetLife is the new short-term and long-term disability insurance vendor.

Open enrollment is April 2, 2024 to May 15, 2024

Enroll at www.myFBMC.com or Please see your benefits coordinator for further information.

Long Term 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 long term 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.

  • May help replace 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 long term disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Short term disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

Plan Summary 50%-60% OPTIONS

Plan Summary 70% CLOSED

Useful Documents

STD LTD BENEFIT OVERVIEW

Useful Documents Download (PDF - 129 KB)

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.

How much disability insurance should you have?

Find out with our disability insurance calculator

Calculator

Short Term and Long-Term Disability

Claims MetLife Disability

P.O. Box 14590
Lexington KY 40512-4590

Claims Customer Service

888-466-8640
Prompt 2

Claims Fax

800-230-9532

Online Portal

Mybenefits

Special Considerations
If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), you should carefully consider whether to enroll for this coverage. In California, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Connecticut starting 1/1/22, Oregon starting 1/1/23, and Colorado starting 1/1/24), if eligible, you must apply for State Benefits. Your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.

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.

2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Year-End 2020.