Short Term Disability Insurance
Coverage that can help protect your income if you can’t work after a covered accident or illness.
Short Term Disability Benefits may help replace a portion of your income during the first weeks of a disability.
If pregnant, injured, suffering from depression or diagnosed with an illness, you may need financial support during your work absences. Short Term Disability Insurance can help replace a portion of your income during the initial weeks of a disability.
- Benefit payments are made directly to you and you decide how to spend the money
- It can help you meet your day-to-day financial obligations so you can focus on your recovery, not your finances
RESOURCE CENTER
Documents
MyBenefits
File a claim or view your benefit information.
To access from work: Search MetLife MyBenefits on HR Services & Support
To access from home:
1. Go to metlife.com/mybenefits.
2. Type in your company name. Click Next.
3. Log in with your username and password.
If this is your first time visiting the site, you’ll need to register. To do this, click on the Register now link and follow the simple, step-by-step instructions.
Short Term Disability Insurance FAQs
Payments will be made directly to you through biweekly pay. Keep in mind that voluntary benefit deductions and taxes will be taken from this pay.
MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim and submit claim updates online via our web portal.
You will 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.
The Short-Term Disability Plan considers you disabled when you’re unable to perform your job duties.
Keep in mind that the Short-Term Disability Plan has exclusions and limitations and may not fully cover certain disabilities Please reference the Short-Term Disability chapter in the Benefits Book on Teamworks at Home for more information.at Home for more information.
Benefits may begin after you have met a 7 calendar day waiting period starting with the date you are disabled from work. Please reference the Short-Term Disability chapter in the Benefits Book on Teamworks at Home for more information.
Generally, the maximum amount of time for which you may receive STD benefits is 25 weeks after completion of the STD waiting period. STD benefits may end sooner. Please reference the Short-Term Disability chapter in the Benefits Book on Teamworks at Home for more information.
To estimate the benefit amount you would need if you became disabled, ask yourself how much monthly income would cover your living expenses. Household expenses may include mortgage, car payments, groceries and childcare. Consider all these factors to help you determine if you would like to add the additional optional coverage.
Social Security disability benefits may be available to eligible individuals who experience a disability that is expected to last longer than one year (in addition to other requirements). Social Security disability benefits are not intended for temporary conditions. You should also note that Social Security's disability rules are different from those of other government or private programs. For more information on Social Security disability benefits eligibility, visit the Social Security Administration’s website at www.ssa.gov. Paid Family and Medical Leave and/or state disability benefits may also be available depending on your work state.
Your gross LTD benefit will be automatically reduced by the amount of income you are eligible to receive from other sources, like Social Security disability benefits.
1 Like most group disability plans, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative for complete costs and 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 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.
Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. You should confer with your qualified legal, tax and accounting advisors as appropriate.