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Disability Insurance

Disability Insurance Overview

Protect one of your most valuable assets — your income — with disability insurance

If you're unable to work due to a sickness or injury, disability insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability insurance can help provide financial security until you get back on your feet and return to work.

Man on the Street Video Photo Icon   You Wake Up One Morning and Everything has Changed Video Photo Icon   Disability Can Happen at Any Age Video Photo Icon
Man on the Street   You Wake Up One Morning
and Everything Has Changed
  Disabilities Can Happen
at Any Age

MetLife offers several types of disability insurance policies for both individuals and business owners. Most policies can be catered to meet your individual needs based on your goals and options desired.

Interested in Disability Protection?

Find out about enrolling through your employer by speaking with your benefits representative. If your employer doesn't offer disability insurance or you would like to purchase additional insurance, have a MetLife rep contact you.


1. 2011, Social Security Administration Web site,

2. Disability benefits begin to accrue after completion of the elimination period

3. 2013 Long Term Disability Claims Review, Council for Disability Awareness

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 representative about costs and complete details. All policies, riders and provisions may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval. 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.

Disability insurance is issued by Metropolitan Life Insurance Company on IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR, AH 5-88, AH 6-90, AH 7-96-CA, AH 8-96-CA and IDIP12-01-IDIP12-05, IDIP12-08. April 2014

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