Long-Term Disability (LTD) Insurance

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

Disability Insurance

Help replace a portion of your income if you cannot work1

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.

  • May help replace 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 Long-Term Disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Long-Term Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

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Documents

LTD Plan Summary

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LTD – NEW HIRE BROCHURE

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LTD FAQ's

Having long-term disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income for an extended period of time.

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

Payment will be made directly to you — not your employer, hospital, doctor or insurance company.

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

One easy phone call to MetLife will start your claim. Call 1-877-355-6277, prompt 3, prompt 2. As one of the nation’s leading providers of disability benefits, you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability.

Enrolling in the plan is not mandatory, but it is a good idea and an affordable way to help protect your income. Without long-term disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness. If you choose to enroll in long-term disability insurance at a later date, you will be asked to complete a medical questionnaire or examination before coverage may be granted.

It is best to enroll when you are first eligible, when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.

No, because premiums are paid with after-tax earnings, any LTD benefit payments are not subject to income tax.

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.

2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Year-End 2020.