Disability Insurance

Disability Insurance helps provide financial security when you need it most.

If you're unable to work due to a sickness or injury, disability insurance can help cover your essential living expenses. The coverage can help you pay bills like your mortgage, tuition and car payments, and help with expenses for food, clothing and utilities. The goal is to help protect you financially until you get back on your feet and return to work.

Your employer may not offer all benefits. Please consult with your employer regarding your available benefits.

Real people. Real talk. Real benefits.

David and Kevin (0:30) – See how disability insurance helped David and Kevin pay their bills while they were injured and couldn’t work. 

Jon and Whitney (0:30) – Jon and Whitney learn that disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not. 

Karen and Kate (0:30) – Hear how disability insurance can help Karen meet her day-to-day financial obligations, so her long-term goals stay on track.

The following are some common questions about Disability Income Insurance.

Under MetLife’s policies you will be considered disabled if, because of sickness, pregnancy or accidental injury, you are under the appropriate care and treatment of a physician and you are unable to earn 80% of your predisability earnings at your own job, or your own occupation for your own employer, or your own occupation for any employer in a defined geographic location, during the elimination period (during which no benefits are paid) and the first 24 months after that. The precise details will vary depending on your employer’s plan. Some plans also require you to be unable to do the material duties of your own job or occupation. After you have received benefits for 24 months, you will be considered disabled if you can show that you are unable to earn more than 60% of predisability earnings, commensurate with your training, education and experience, for any employer in a defined geographic location. Like all disability insurance policies, MetLife’s policies have certain exclusions and limitations and other conditions that you may need to satisfy. Please speak to your benefits administrator for the specific details of your employer’s plan.

Benefits begin on the day after you have met the elimination period.

Benefits will be paid until the standard maximum benefit period has been reached or until you are no longer disabled.

Disability coverage that replaces 60 percent of your after-tax income is generally recommended.

Small business owners have special concerns in addition to protecting their income with disability insurance and should consider obtaining professional advice about disability plan options that can help protect a business if an owner becomes disabled (e.g., business overhead expense insurance and disability buy-sell plans).

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 and car payments, groceries and child care. Consider all these factors to help you come up with an appropriate amount.

The MetLife Disability Calculator is another handy resource you can use to estimate the amount of disability insurance income you would need to help maintain your current standard of living.

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.

There are several ways to obtain disability insurance coverage. Check with your workplace benefits specialist to find out if your company offers group disability insurance, and if you are eligible. If so, your benefits administrator can provide you with plan details.

You will need written proof of your disability to file a claim. Your insurer may also require medical records from your doctors concerning the details of your disability. Your insurer may also want you examined at their cost and/or may require financial information from you.

Your benefits will begin accumulating after you have been disabled for the predetermined waiting period. If you return to work before the waiting period is over, you most likely will not be eligible for benefits. Note that the premiums for your disability plan are usually waived during your disability. 

Tips for choosing disability insurance

How much disability insurance do you need? Check out our top 10 tips.

Like most disability income insurance plans, MetLife's plans contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force.  Ask your representative about costs and complete details.  For plans issued in New York:  Individual disability income insurance plans 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 plans 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 plan.