Long Term Disability Insurance
The need to be better prepared for life events that keep us out of work has become more important than ever before. Disability insurance may help provide a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.
Help replace a portion of your income if you cannot work1
If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a covered disability, you need coverage that's quickly accessible and payments that help you to cover everyday expenses. Enrollment is simple but the benefits are significant.
- May help replace a portion of your income when you are unable to work due to sickness, chronic condition or accidental injury.
- Benefit payments are made directly to you and you decide how to spend the money.
Did you know disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.
To submit a claim via email,
please fill out the LTD Claim Form and send it to puertorico@metlife.com
If you have any questions, please call Customer Service at 1-855-792-6179, Option 2
Monday – Friday from 8:00am – 5:00pm (AST)
CERTIFICATES
Long Term Disability Insurance FAQs
Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.
In most cases, payments will be made directly to you — not your employer, hospital, doctor or insurance company. Payment amounts may vary based on coverage selections.
First, let your supervisor or manager know your plans as soon as you’re able. Based on your employer’s policy and type of leave you’re taking, you may be able to submit your claim through MetLife—online, by phone or mail. Plus, you can track the status of your claim and submit claim updates online via our mobile-enabled web portal.
You may need written proof of your disability from your treatment provider(s) to be approved for a claim. You may also need to provide additional medical records concerning the details of your disability. Your insurer may also want you examined at their cost and/or may require financial information from you. Please see your company’s benefits administrator for details.
As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability.
VIDEO
Long Term Disability Orientation Video
Watch this video to learn more about your long term disability insurance.
Wellness Resources
1 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 about costs and complete details.
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.
2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2024.