Long Term Disability 


Benefit overview


Denied claims


Social Security Assistance



All active employees
Core Plan
50% of pre-disability earnings up to a maximum of $25,000 
Buy-up 60% 

60% of pre-disability earnings up to a maximum of $25,000

Buy-up 70%

70% of pre-disability earnings up to a maximum of $25,000 


The Core LTD benefit is provided at no cost to you by The Cigna Group. If you choose to enroll in either the 60% buy-up plan or 70% buy-up plan, you are responsible for any additional cost.

If your Long Term Disability claim is denied, you have the right to appeal. You must do so in writing and provide any additional information to support your claim. If your denial is overturned, the claim will be reinstated and approved.

Once you are approved for Long Term Disability benefits, MetLife can help you obtain Social Security Disability benefits. Our specialists can guide you through the initial application and appeals processes and may also help you access assistance from attorneys or vendors to pursue Social Security benefits. 

Like most disability income insurance policies, MetLife’s policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative for complete details.