Disability Insurance Plans

Current participants will be transferred to MetLife on January 1, 2018. Applications for the new MetLife Disability Insurance Plan will be available in fall 2017 with coverage effective dates on or after January 1, 2018.

NYSUT Member Benefits Trust-endorsed Disability Plan

You’ve likely insured your vehicle, your home and your life, so now is the time to insure your salary with Disability Insurance. We don’t want you to lose your income if you suddenly had to stop working due to an accident or illness. Disability Insurance will ensure you still receive part of your salary, so you can continue paying your bills and providing for your family. Plus, you’ll also be able to take advantage of rehabilitation programs with financial incentives.

You can select among three plans:

  • Long-Term Plan: If you do not already have coverage for longer periods of disability – 5, 10, 15 years or longer – you probably need the kind of income protection offered by the Long-Term Plan.
  • 5-Year Plan: If you're looking for affordable coverage and are several years away from retiring, you may want to consider the 5-Year Plan.
  • Short-Term Plan: If you are looking for short-term coverage to cover sick leave or are nearing retirement, you may need the short-term, 12-month disability plan.

Learn More:

Visit http://www.nysutmbteinsurance.com

The MetLife Disability Plan is a NYSUT Member Benefits Trust (Member Benefits )-endorsed program. Member Benefits has an endorsement arrangement of 5% of gross premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.