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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.

Copyright 2003-18 Metropolitan Life Insurance Company, 200 Park Ave., New York, NY 10166 - All Rights Reserved. 
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