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.
1 Voluntary STD not available in states with statutory plans except NY.
2 Self-funded programs available for groups with 500+. Advice-to-Pay available for groups with 200 + covered employee lives. Voluntary STD not available in states with statutory plans except NY.
3 Statutory plans self-funded programs and CA VDP/PFL only available for 500+ lives except in NY where available for groups with 10 + and NJ TDB where available for 100+ lives.
4 Total Absence ManagementSM is available to private employers with a minimum of 1,000+ covered employees. FMLA and Leave Management administrative services are only sold in conjunction with group STD (ASO or insured) and insured group LTD. The employer’s FMLA policy must require that the group disability and workers compensation insurance run concurrently with FMLA
5 FMLAssistSM is available for customers with 50–999 covered employee lives and insured group Long Term Disability through MetLife. Cannot be sold in conjunction with any MetLife Voluntary Products. Subject to a $500 initial set-up fee. MetLife will indemnify employers under certain circumstances for the FML Assist (SM) decisions we make, up to an aggregate annual amount of $50,000 in any given contract year.