Short Term Disability

The need to be better prepared for life events that keep us out of work has become more important than ever before. Short Term Disability insurance may help provide a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

Short Term Disability Insurance

Help replace a portion of your income if you cannot work1

If you lost your ability to earn income, how would you pay for your bills and provide for your family? In the event of a disability, you need coverage that's quickly accessible and payments that help you to cover everyday expenses. Enrollment is simple but the benefits are significant.

  • May help replace a portion of your income when you are unable to work due to sickness, pregnancy, chronic condition or accidental injury.
  • Benefit payments are made directly to you and you decide how to spend the money.
  • Helps you meet your day-to-day financial obligations so your long-term goals can stay on track.

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

Family Medical Leave (FMLA)

Take care of personal and family matters with added flexibility and time off—whenever you need it.

Whether it’s spending time with a loved one during end-of-life care or bonding with a newborn child throughout the day, you need to be there for your family. But how will you ensure you get adequate time off?

FMLA allows you to take the unpaid time off you need—and know your job will be there when you get back. Teammates may take up to 12 weeks of cumulative leave, or up to 26 weeks for active duty service member leave.

Under FMLA, your benefits include:

  • Taking your intermittent leave from the moment it’s approved.
  • Using flexible time off however you choose—whether it’s 15 minutes, 2 weeks, or your full leave period all at once.
  • Maintaining job security throughout the duration of your leave.


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.

Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.

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

MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options.

As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. 

How much Short term disability insurance should you have?

Find out with our Short term disability insurance calculator

Special Considerations
If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), you should carefully consider whether to enroll for this coverage. In California, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Connecticut starting 1/1/22, Oregon starting 1/1/23, and Colorado starting 1/1/24), if eligible, you must apply for State Benefits. Your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.

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 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Year-End 2020.