Short 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.

Short 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 short 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 Short 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.

View plan details

Useful Documents

STD LTD BENEFIT OVERVIEW

Useful Documents Download (PDF - 129 KB)

STD 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

Please enroll through your employer’s enrollment site and you will be directed to complete an evidence of insurability form.

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.

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

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

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

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 MetLife sales representative for complete costs and details.