Short Term Disability

Information

Benefit overview

ltdstd

Denied claims

Your Short Term Disability (STD) benefits are based on your years of service with The Cigna Group at the time your disability begins. Employees can get up to 26 weeks of STD on a rolling 12-month period.

After you have been disabled for seven (7) calendar days:
If you have this much service	Your benefit will equal 100% of your base salary up to this number of weeks	Your benefit will equal 75% of your base salary up to this number of weeks
0 - 2 years	0 weeks	25 weeks
2 years	6 weeks	19 weeks

If you need to take disability for longer than 26 weeks in a rolling 12-month period, you will transition to Long Term Disability (LTD). MetLife will support you through that. Here’s what that process looks like:

MetLife will start discussing a transition to Long Term Disability (LTD) with you and assist you with initiating that claim at your request. MetLife begins this process early to allow time to gather information and provide you with a seamless transition.
Once we start the process, a new LTD Claims Specialist will send you an acknowledgement packet of information including required paperwork to complete. They will call you to introduce themselves and explain the LTD process, the contents of the packet and the timeline for when they need information to process the transition.
MetLife will use the medical information from your STD claim, but the eligibility standards for STD and LTD are different. MetLife will reach out to your provider(s) for any additional medical information we need to support an LTD claim.
After 30 days from the acknowledgement packet being sent, the LTD Claims Specialist will follow up to confirm you’ve received it and continue their initial decision phase.
Once we evaluate and make a decision about your LTD claim, MetLife will notify your manager at The Cigna Group of the decision.

If your short term disability is denied, you have the right to appeal. You have 180 days to appeal the denial. 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. MetLife will send the updated decision to your manager at The Cigna Group.

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.