Disability and Absence Services

The need to be better prepared for life events that keep us out of work has become more important than ever before. Disability insurance provides a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

To inquire about your DC Paid Family Leave, please reach out to the District at https://dcpaidfamilyleave.dc.gov

Safeguard your salary with disability insurance

Life has changed, but the need to protect and provide for loved ones has not. More than ever, it’s important to help ensure that you and your family are prepared to meet essential living expenses should you become unable to work. Open enrollment is from October 15 - November 15, 2021.

Ask a benefit specialist!

We’re here to answer any questions you may have on your MetLife benefits. Submit your questions and we’ll get back to you within 24 hours or less. We’d love to hear from you.

Disability Insurance

Help replace a portion of your income if you cannot work.1

If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a disability, you need coverage that's quickly accessible and payments that help you to cover everyday expenses. Enrollment is simple but the benefits are significant.

  • Replaces a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition or accidental injury
  • Benefit payments are made directly to you and you decide how to spend the money
  • Helps you meet your day-to-day financial obligations so your long-term goals can stay on track

Did you know disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

Disability Insurance FAQs
What are the essential living expenses that I should be most concerned about? Collapsed Expanded

Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.

How do disability payments work? Collapsed Expanded

Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.

What if I choose not to have disability insurance? Collapsed Expanded

Enrollment in disability is mandatory.

What happens when I want to file a claim? Collapsed Expanded

MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online or on the MetLife US App. Search "MetLife" on iTunes® App Store or Google Play to download the app.

As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. 

How much disability insurance should you have?

Find out with our disability insurance calculator

1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative about 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 people with the applicable policy.