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Disability

Disability

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. Our focus is on making it easier for you and your employees.

A comprehensive range of disability benefits for companies with 10 to 99 employees

  • Short Term Disability (STD)
  • Long Term Disability (LTD)
  • Voluntary STD2 and Voluntary LTD
  • Individual Disability Income (IDI)/LTD Integrated Solution3
  • FMLAssistSM,4

Small businesses are unique. That's why our disability benefits give you the plan design options you need to build the right benefits. For example:

  • Options available for eligibility requirements, maximum benefit amounts and pre-existing condition limitations/exclusions.
  • Lower participation levels are available for groups meeting certain requirements for contributory Short Term Disability and/or Long Term Disability.

Across coverages, count on exceptional service to keep things running smoothly from set-up to ongoing administration. When you choose MetLife, you'll get the people, processes and tools that reduce administrative responsibilities and provide the service your company and employees need.

For more information about the disability benefit options available to your small business, contact your broker or MetLife representative today.

1 2014 U.S. Group Disability Sales and In force Survey, LIMRA International. Based on premiums and equivalents in force.

2 Voluntary STD not available in states with statutory plans except NY.

3 Individual Disability Income (IDI)/LTD Integrated Solution available to LTD groups, however, not available on Voluntary LTD. Like most disability income insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife Sales Representative for 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 individuals with the applicable policy.

4 Available for customers with a minimum of 50 covered employee lives and insured group Long Term Disability through MetLife.

Like most group benefit programs, benefit programs offered by MetLife 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.

 

 

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