Employees need financial support when absent from work due to pregnancy, injury, recovery from surgery, or prolonged illness.
Helps employees maintain their standard of living while recovering from a chronic disability
Helps provide income protection in states where disability/medical and/or paid family leave coverage is state mandated.
The liabilities and administrative duties associated with long-term disability plans can be taxing, but we can help
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.
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.
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:
Keeping track of employee absences can be a challenge. MetLife makes the process easy for your employees and eases the impact
Wellbeing programs and services can help reduce absenteeism
With our comprehensive disability and absence solutions, you and your employees feel confident and covered.
Managing employee requests under the ADA (Americans with Disabilities Act) can be complex and confusing.
Employee Assistance Program
MetLife is committed to providing tools on our Return to Health Innovation Hub that can help keep your workforce healthy and working.
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.