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Disability Insurance Educational Site for State of Tennessee Employees

STATE Employees Only. Higher Education Employees click here.

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 26 weeks.
  • Long Term Disability Insurance replaces a portion of your income during a disability that is expected to last for an extended period of time, typically longer than 90 or 180 days, depending on what plan you choose.

While many people think that disabilities are typically caused by accidents, the majority of long term absences are actually due to illness1. 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

Short Term Disability

View your plan details

Short Term Disability replaces a portion of your income during the initial weeks of a disability.

Learn more

Long Term Disability

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Long Term Disability replaces a portion of your income for disabilities that last for an extended period of time.
Learn more


Importance of Life Insurance

Read through our helpful Frequently Asked Questions.

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1Council for Disability Awareness, 2014 Long Term Disability Claims Review,

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.

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