Long term disability (LTD)

Information

Benefit overview and benefit period

Denied claims

Social Security assistance

 

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

60% of predisability earnings up to a maximum of $25,000

Buy-Up 70%

70% of predisability earnings up to a maximum of $25,000

 

 

Pilots

 

Core Plan

50% of predisability earnings up to a maximum of $25,000

Buy-Up 60%

60% of predisability earnings up to a maximum of $25,000

Buy-Up 70%

70% of predisability earnings up to a maximum of $25,000

 

 

Puerto Rico

 



Buy-Up 60%

60% of predisability earnings up to a maximum of $25,000

Buy-Up 70%

70% of predisability earnings up to a maximum of $25,000

  • The employee will be contacted via telephone and through detailed written communication, notifying them of the denial, the rationale for the decision and applicable appeal information. 
  • If an employee’s STD or LTD claim is denied, they have the right to appeal. The appeal timeframe allows the employee 180 days to appeal the denial of their benefits in writing, including an opportunity to provide any additional information to substantiate their claim. 
  • If a claim denial is overturned, the claim will be reinstated and approved. MetLife will send the updated decision to your supervisor at The Cigna Group.

Need Content

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.