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Disability Insurance

Helps You Focus On Recovery & Not On Your Finances.

Why is having Disability insurance important?
If you are unable to work due to illness or injury, disability insurance can help pay your most important expenses. These include: Mortgage or rent, car payments, food, child care/tuition and utilities.

  • Short Term Disability Insurance replaces a portion of your income during a disability which could last up to 180 days.
  • Long Term Disability Insurance replaces a portion of your income during a disability that is expected to last for an extended period of longer than 180 days.

While many people think that disabilities are typically caused by accidents, the majority of long term absences are actually due to illness.* A good rule of thumb is to protect 60-80% of your after-tax income. This will help you meet your most important financial needs.

Both plans offer:

  • Direct payments: receive a portion of your salary paid directly to you if you are unable to work after satisfying the initial Elimination Period. (Short Term Disability benefits pay weekly, while Long Term Disability benefits pay monthly.)
  • Easy claims filing: Report claims online or by phone
  • Competitive rates: This group coverage is offered only through your employer
Disability Insurance FAQ's
Can I still receive benefits if I return to work part time? Collapsed Expanded

Yes. As long as you are disabled and meet the terms of your Disability plan, you may qualify for adjusted Disability benefits.

Your plan offers financial and Rehabilitation incentives designed to help you to return to work when appropriate, even on a part-time basis when you participate in an approved Rehabilitation Program.

While disabled, you may receive up to 100% of your predisability earnings when combining benefits for up to 24 months, Rehabilitation Incentives, other income sources such as Social Security Disability Benefits and state disability benefits, and part-time earnings. (Please note – the Social Security Disability Benefit assistance is only offered if you are approved for LTD benefits). 

Under Short Term Disability coverage and Long Term Disability coverage you can get a 10% increase in your weekly benefit with the Rehabilitation Incentive.

If you work or participate in a rehabilitation program while disabled, following the 4th weekly benefit payment, the Family Care Incentive provides reimbursement up to $100 per week for eligible expenses, such as child care. Under Long Term Disabilityif you work or participate in a rehabilitation program while disabled, the Family Care Incentive provides reimbursement up to $400 per month for eligible expenses, such as child care for up to 24 months.

You may be eligible for the Moving Expense Incentive if you incur expenses in order to move to a new residence recommended as part of the Rehabilitation Program. Expenses must be approved in advance.

Are there any exclusions for pre-existing conditions? Collapsed Expanded

Yes. Your plan may not cover a sickness or accidental injury that arose in the months prior to your participation in the plan. A complete description of the pre-existing condition exclusion is included in the Certificate of Insurance provided by your Employer or contact your MetLife benefits administrator with any questions.

Are there any exclusions to my coverage? Collapsed Expanded

Yes. Under Short Term Disability, your plan does not cover any Disability which results from or is caused or contributed to by:

  • Elective treatment or procedures, such as cosmetic surgery, sex-change surgery, reversal of sterilization, liposuction, visual correction surgery, in-vitro fertilization, embryo transfer procedure, artificial insemination or other specific procedures.

However, pregnancies and complications from any of these procedures will be treated as a sickness. 

Under Short Term and Long Term Disability coverage, your plan does not cover any Disability which results from or is caused or contributed to by:

  • War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act;
  • Active participation in a riot;
  • Intentionally self-inflicted injury or attempted suicide;
  • Commission of or attempt to commit a felony. 

Additionally, no payment will be made for a Disability caused or contributed to by any injury or sickness for which you are entitled to benefits under Workers’ Compensation or a similar law.

Are there any limitations to my coverage? Collapsed Expanded

For Long Term Disability, limited benefits apply for specific conditions: 

If you are disabled due to alcohol, drug or substance abuse or addiction, we will limit your disability benefits to one occurrence for a lifetime maximum of Disability for 24 months. During Your Disability, we require you to participate in an alcohol, drug or substance abuse or addiction recovery program recommended by a physician.

Benefits will end at the earliest of

  • The date you receive 24 months of disability benefit payments;
  • The date you cease or refuse to participate in the recovery program referred above; or
  • The date you complete such recovery program.

If you are disabled due to mental or nervous disorders or diseases; neuromuscular, musculoskeletal or soft tissue disorder; fibromyalgia, chronic fatigue syndrome and related conditions or self-reported conditions, we will limit your Disability benefits to a lifetime maximum equal to the lesser of:

  • 24 months; or
  • The Maximum Benefit Period.

Your Disability benefits will be limited as stated above for mental or nervous disorder or disease except for:

  • schizophrenia;
  • neurocognitive disorders; or
  • bi-polar 1 disorder

If you are disabled due to neuromuscular, musculoskeletal or soft tissue disorder, fibromyalgia, chronic fatigue syndrome and related conditions or self-reported conditions, we will limit your Disability benefits to one occurrence for a lifetime maximum equal to the lesser of:

  • 24months; or
  • The Maximum Benefit Period.

If You are confined in a Hospital or Mental Health Facility at the end of the period shown above for which benefits are to be paid, We will continue Your Monthly Benefits until the end of Your Hospital or Mental Health Facility confinement.

Other limitations or exclusions to your coverage may apply. Please review your Certificate of Insurance provided by your Employer for specific details or contact your benefits administrator with any questions.