Disability & Absence Services

Disability & Absence Services

MetLife delivers streamlined, responsive care for all types of work leaves and may help your employees protect their income.

Administering disability, absence, or leave management programs can be challenging and time consuming for any business. Whether your company is large or small, count on us to deliver the right solution and minimize administration for your organization.

Our Products

Short Term Disability (STD)

Employees need financial support when absent from work due to pregnancy, injury, recovery from surgery, or prolonged illness.

Long Term Disability (LTD)

Helps employees maintain their standard of living while recovering from a chronic disability

Statutory Disability and PFML

Helps provide income protection in states where disability/medical and/or paid family leave coverage is state mandated.

LTD Reserve Buy-Outs

The liabilities and administrative duties associated with long-term disability plans can be taxing, but we can help

Worksite STD

We offer competitively priced coverage options so employees can choose a solution that complements their needs and finances.

If an employee is temporarily disabled and cannot work for a short period of time, short-term disability benefits and provisions may help offer meaningful financial protection and income continuation.

Insurance may help replace part of the employee’s income and maximizes workforce productivity with the knowledge of a potential financial safety net. It features:

  • Flexible plan features that are customizable to be standalone or complementary
  • Return to work and rehabilitation incentives

Long-term disability insurance is supported by a compassionate team and focuses on getting employees back to work when they are medically able to do so.

LTD usually begins when short-term disability coverage ends, and coverage can last for a varying period of time. It features:

  • Significant return to work and rehabilitation incentives
  • Flexible contract options and provisions, so that plans are tailored to your employees and their needs


State Paid Medical Leave allows an employee to request time off from work due to family or medical situations. Events that trigger State Paid Family and Medical Leave protection may include:

  • When an employee has a serious health condition that prevents them from working
  • When an employee welcomes the arrival of a new child in the family
  • When the employee needs leave due to a covered event, such as caring for a family member with a serious health condition or military exigency


  • Satisfy financial accounting requirements
  • Reduce hidden costs of self-funded LTD claims
  • Direct more focus on your business while our experts manage work absences and disability claims

Short-term disability

Offering the benefit through an effective worksite enrollment solution provides a turn-key way for employees to understand and get the income protection they need.

Our Services

Absence Management Solutions (AMS)

Keeping track of employee absences can be a challenge. MetLife makes the process easy for your employees and eases the impact

ADA Workforce Solutions


Wellbeing Programs

Wellbeing programs and services can help reduce absenteeism

With our comprehensive disability and absence solutions, you and your employees feel confident and covered.

  • Federal Family and Medical Leave Act (FMLA)
  • Certain State Family and Medical Leave Laws
  • Certain Non-FML State Leave Laws
  • Company Sponsored Leaves

Managing employee requests under the ADA (Americans with Disabilities Act) can be complex and confusing.

To help manage ADA, we offer

Employee Assistance Program

Return to Work: We are committed to helping our customers support their employees’ return to health and transition back to the workplace after a leave of absence or disability. MetLife will partner with you and your employees to develop or enhance your organization’s return to work best practices.

Paid Leave Trends

We help you stay on top of PFML requirements by state no matter where you or your employees are located.

Helping Your Employees

MetLife is committed to providing tools on our Return to Health Innovation Hub that can help keep your workforce healthy and working.

There When You Need Us

As a leader in disability and leave management, we’re continually enhancing our offerings to meet the market’s ever-changing needs.

Did you know

66% of employees with disability insurance feel protected in the event of unexpected expenses and more confident in investing for their future.

I want information specifically for…

1 While disabled and receiving monthly benefits, employees may receive up to 100% of predisability earnings, including work earnings, monthly benefit, Rehabilitation Incentives, and other income benefits. The 12-month period starts when benefits begin.

2 Please see contract for details.

3 Some restrictions may apply to the EAP services. Please contact your MetLife representative for details.

4 MetLife’s Employee Benefit Trends Study, 2018.

Availability of products and services is based on MetLife’s guidelines, group size, underwriting and state requirements. Like most insurance policies and benefit programs, insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

If you have employees who work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), they 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, employees must apply for State Benefits. Your employees’ STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your employees’ compensation, the amount of the State Benefit, and other factors, they may only receive the minimum weekly benefit. Your employees should consider, based on their individual circumstances, whether they need additional coverage beyond the State Benefit.

The information presented in this website is not legal advice and should not be relied upon or construed as legal advice. It is not permissible for MetLife or its employees or agents to give legal advice. The information in this website is for general informational purposes only and does not purport to be complete or to cover every situation. You must consult with your own legal advisors to determine how these laws will affect you.