Long Term Disability

Disability insurance provides a steady stream of income to help cover your bills and expenses when an injury, pregnancy or illness keeps you away from work.

Long Term Disability Insurance

Help replace a portion of your income if you cannot work1

Medical insurance may help cover treatment due to an accident or illness. But how do you cover your income? Long Term Disability insurance may provide a steady stream of income to help cover essential expenses when an extended illness, injury or pregnancy keeps you away from work. You’ll have the comfort of knowing financial support is available when needed to help maintain your quality of life.

  • Provides income to help pay for essential living expenses, rent, mortgages, car payments, food, etc.
  • Allows you to meet your day-to-day financial obligations, so your long-term goals stay on track

Did you know long term disability insurance and workers’ compensation are not the same thing? Workers’ compensation only applies if you are hurt at work. Long Term Disability insurance covers you when you’re unable to work because of illness or injury — whether suffered at work or not.

LTD FAQs

It is an affordable way to protect your income when you are unable to work due to illness or injury. Accidents and illness can happen to anyone, and it can impact your ability to earn money. That’s why financial experts recommend long term disability insurance as part of a sound financial plan.

Having long term disability protection can help you cover your essential living expenses and help safeguard your savings, since it replaces a portion of your income for an extended period of time.

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.

Payment will be made directly to you — not PGCPS, hospital, doctor or insurance company. The amount of the payment will depend on the amount of coverage you choose.

Disability insurance is more affordable than you may think. For example, a healthy male age 35 may get a $1,000 monthly benefit for an initial premium of about $25 a month.2 Rates for your plan(s) can be found in the enrollment materials provided by your employer.

Premiums will be conveniently paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment.

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 online or on the MetLife US App. Search “MetLife” on iTunes® App Store or Google Play to download the app.

Enrolling in a plan is not mandatory, but it is a good idea and an affordable way to help protect your income. Without long term disability, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness.

It is best to enroll during your open enrollment period when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.

1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, 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 Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.

Like most group disability insurance policies, MetLife group policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife sales representative for complete costs and details.