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Disability Insurance

70% of employees surveyed agree that having enough money to pay their bills if someone in their household loses their job or is no longer able to work is important1

Disability insurance provides employees with the ability to protect one of their most valuable assets, their income. However, with medical costs continuing to rise, many employers are challenged to sustain their current levels of employer-paid coverage.1 Adding voluntary disability insurance options is a simple way to provide employees with added protection, without increasing benefits costs.

The Right Solutions

MetLife's Disability solutions offer employers an attractive way to help expand the breadth and depth of an existing disability program. And, for employees, it means building a financial safety net with valuable income protection that they can rely on if they suffer a disabling illness or injury.

Voluntary Short Term and Long Term Disability (VSTD and VLTD) Valuable disability coverage to help maintain a productive workforce and attract and retain employees.

Automatic Enrollment – Enrollment option promoting greater participation in Disability programs while helping to control costs

MetLife Core Buy-Up Program - Option to increase STD and/or LTD benefit for added protection. The employer designs the buy-up options and if the employee enrolls, they pay 100% of the buy-up premium and the employer funds 100% of the core benefit for both STD and LTD.

Supplemental Individual Disability Income Insurance2 - Individual Disability Insurance written on a Guaranteed Standard Issue (GSI) basis, integrated with Group LTD enables employers to offer executives and highly-compensated employees enhanced coverage for a greater portion of their income with limited underwriting.

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

1 13th Annual MetLife Study of Employee Benefits Trends, 2015.

2 For policies issued in NY, MetLife's individual disability policies provide disability income insurance only. They do not provide basic hospital, basic medical or major medical insurance as defined by the New York Department of Financial Services. The expected benefit ratio for this policy is 50%. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.


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