Plan

Mom and child playfully wrestle on a grassy field

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 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

Short Term Disability Insurance Coverage Options

  Option A Option B
Eligibility All full-time employees working not less than 30 hours/week; seasonal employees hired prior to July 1, 2015 with 24 months of service and certified by his or her appointing authority to work at least 1,450 hours per fiscal year (July-June); or deemed eligible by applicable federal law, state law, or action of the State Insurance Committee.
% of Gross Annual Base Salary¹ Paid Weekly 60% of salary paid weekly
Maximum Weekly Benefit Up to $2,500
Minimum Weekly Benefit² $25
Elimination Period 14 calendar days 30 calendar days
Duration of Benefit 26 weeks
Evidence of Insurability (EOI)³ Guaranteed Issue (no health questions asked) for New Hires who enroll within 31 days of eligibility date. Evidence Of Insurability will be required for Late Enrollees and current participants who choose a higher plan of benefits with a Special Qualifying Event or during a future Annual Enrollment period.
Pre-Existing Condition Exclusion None

Long Term Disability Insurance Coverage Options

  Option 1 Option 2 Option 3 Option 4
Eligibility All employees working not less than 30 hours/week; seasonal employees hired prior to July 1, 2015 with 24 months of service and certified by their appointing authority to work at least 1,450 hours per fiscal year (July-June); or deemed eligible by applicable federal law, state law, or action of the State Insurance Committee.
% of Gross Annual Base Salary¹ Paid Monthly 60% of salary paid monthly 63% of salary paid monthly
Maximum Monthly Benefit Up to $7,500 per month (covers annual salary of $150,000) Up to $10,000 per month (covers annual salary of $190,476.24)
Minimum Monthly Benefit Greater of 10% of benefit or $100 per month²
Elimination Period 90 calendar days 180 calendar days 90 calendar days 180 calendar days
Own Occupation 24 months 24 months 36 months 36 months
Duration of Benefit Disabled prior to Age 65, benefits end at Social Security Normal Retirement Age. Disabled at Age 65, benefits end after 24 months; Age 66, 21 months; Age 67, 18 months; Age 68, 15 months; age 69+, after 12 months
Evidence of Insurability (EOI)³ Guaranteed Issue (no health questions asked) for New Hires who enroll within 31 days of eligibility date, EOI required for Late Enrollees and current participants electing a higher plan of benefit with a Special Qualifying Event or during a future Annual Enrollment period.
Pre-Existing Condition Exclusion 3 months prior to effective date and 12 months from effective date.

* Council for Disability Awareness, 2014 Long Term Disability Claims Review, http://disabilitycanhappen.org/research/CDA_LTD_Claims_Survey_2014.pdf.

1 Annual salary will be based on your salary as of September 1, effective October 1. See FAQs for new hire and annual adjustment information.

2 The Minimum Monthly Benefit will not apply if You are receiving 100% of Your Predisability Salary under the Policyholder’s paid leave policy.

3 Enrollment for new hires enrolling within 31 days of eligibility date is guaranteed issue (no health questions asked). Late enrollees and current participants electing a higher benefit plan will require an Evidence of Insurability application.MetLife will review your information and evaluate your request for coverage based upon your answers to health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

1 Annual salary will be based on your salary as of September 1, effective October 1. See FAQs for new hire and annual adjustment information.

2 The Minimum Monthly Benefit will not apply if You are receiving 100% of Your Predisability Salary under the Policyholder’s paid leave policy.

3 Enrollment for new hires enrolling within 31 days of eligibility date is guaranteed issue (no health questions asked). Late enrollees and current participants electing a higher benefit plan will require an Evidence of Insurability application.MetLife will review your information and evaluate your request for coverage based upon your answers to health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.

1 Annual salary will be based on your salary as of September 1, effective October 1. See FAQs for new hire and annual adjustment information.

2 The Minimum Monthly Benefit will not apply if You are receiving 100% of Your Predisability Salary under the Policyholder’s paid leave policy.

3 Enrollment for new hires enrolling within 31 days of eligibility date is guaranteed issue (no health questions asked). Late enrollees and current participants electing a higher benefit plan will require an Evidence of Insurability application.MetLife will review your information and evaluate your request for coverage based upon your answers to health questions, MetLife’s underwriting rules and other information you authorize us to review. In certain cases, MetLife may request additional information to evaluate your request for coverage.