Long Term Disability

Information

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. Click here to learn more about your plan options.

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 group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife group representative for complete costs and details.
These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. 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.

MetLife Group Disability Income Insurance is issued by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, under Policy Form GPNP23-2T DI.