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The financial consequences of disability can be devastating. Not many people could manage without a regular source of income, even for a short time. That's why offering your clients the ability to protect their employees’ income is a valued component of a complete benefits program. MetLife provides total disability solutions that may help your small businesses clients compete for and retain top talent.


With over 50 years of group disability plan experience, MetLife is committed to offering valuable financial protection for employees against the risk of disability. As a leading group disability carrier,1 MetLife can help you successfully tailor benefits offerings for your small business clients. Our focus is on making it easier for you and your clients.



  • Short Term Disability—Income protection for a period of disability, typically 60% replacement of income with 13 to 26 weeks maximum duration.

  • Long Term Disability—Provides replacement of a reasonable portion of lost income (usually between 40% and 66 2/3%) for longer periods of disability from 12 months up to retirement age.

  • Voluntary Short Term and Long Term Disability (VSTD and VLTD)—Allows employers to add valuable disability coverage to their employee benefits program without adding to their costs. VSTD and VLTD can help your clients maintain a productive workforce and attract and retain employees. For their employees, VSTD and VLTD provide affordable income protection during a disability, and easy premium payment through payroll deduction.

  • FMLAssistSM2—Providing support for Family Medical Leaves (FML), FMLAssist offers your clients the freedom to elect to submit all or some of  their employees’ FML requests to MetLife for decision–making - from the simplest to the most complex.  Learn more

  • Reserve Buy-Outs (RBOs)—A contractual arrangement that allows your clients to transfer existing administration and claim liability from self-funded LTD plans to MetLife in return for a premium payment.

  • Supplemental Individual Disability Income Insurance—Enhanced coverage that can help close a gap in coverage for highly compensated employees and executives.



To help your smaller business clients provide their employees with valuable disability income protection, MetLife now offers additional options that can help them tailor their benefits programs to meet their own unique needs. The enhancements, which are designed to provide greater overall flexibility to meet the needs of small business customers, include:

  • Wider range of options on provisions such as eligibility requirements, maximum benefit amounts and pre-existing condition limitations/exclusions.
  • Lower participation levels available for groups meeting certain requirements for contributory Short Term Disability and/or Long Term Disability.

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 representative about complete costs and 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.

1 2013 U.S. Group Disability Sales and In force Survey, LIMRA International. Based on premiums and equivalents in force.

2 Available for customers with 50 – 999 covered employee lives and insured group Long Term Disability through MetLife.



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