Help protect your income and lifestyle with MetLife Disability Insurance.

Coverage that can help protect your income when you are unable to work.

Why is it so important?

Long Term Disability Insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.

Long Term Disability Insurance can help you cover essential living expenses, protect your savings, your home and other assets and help you avoid having to borrow money from friends or family.

Coverage is easily accessible, and in most cases, payments are made directly to you. If you have Long Term Disability Insurance, you can count on monthly payments. Plus, you can use the money for whatever you like, from groceries and gas to your mortgage or rent.

Why it pays to have disability insurance:

More than one in four of today's 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach normal retirement age.² Plus, the majority of long-term absences are due to illnesses, such as cancer, heart attacks and diabetes.³

Given its strict definitions of what qualifies as a disability, federal help may be unavailable. Approximately 67% of initial Social Security Disability Insurance claims are denied.⁴ Social Security benefits are not available if you are expected to be disabled for less than a year. With disability insurance, you can help ensure you still receive part of your salary to cover everyday expenses.

Your Name is on the check.

Payments are made directly to you. You decide how to spend the money!

For example:

• Mortgage or rent
• Childcare
• Groceries

Plan at a Glance:

• Members may apply for up to $10,000 per month
• Full benefits are payable if you're totally disabled due to sickness or injury and are unable to perform the substantial and material duties of your own occupation while receiving regular care from a licensed physician*
• 90, 180 or 365 day waiting period
• Benefit includes Optional Cost of Living option

Maximum Benefit Period Options:

• Plan 1 - For an Accidental Injury or Sickness:
  • Your 65th birthday, if Disability starts prior to age 63
  • 2 years, if Disability starts at age 63-69
• 
  
• Plan 2 - For an Accidental Injury or Sickness:
  • 5 years, if Disability starts prior to age 60
  • 4 years, if Disability starts at age 61
  • 3 years, if Disability starts at age 62
  • 2 years, if Disability starts at age 63-69

Please review the below application or call 1-866-978-2974

• ¹ These jurisdictions include, but may not be limited to, California, Connecticut, District of Columbia, Hawaii, Massachusetts, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Washington (and Colorado as of 1/1/24; Maryland, Delaware and Minnesota as of 1/1/26 and Maine as of 5/1/26).
• ² Social Security Administration, https://www.ssa.gov/pubs/EN-05-10029.pdf, August 2022.
• ³ “Chances of Disability: Me, Disabled?” Council for Disability Awareness website. http://www.disabilitycanhappen.org/common-causes/, Accessed October 2023.
• ⁴ Social Security Administration Annual Statistical Report on the Social Security Disability Insurance Program, 2021, https://www.ssa.gov/policy/docs/statcomps/di_asr/2021/di_asr21.pdf, October 2022.
• ⁵ Based on the lowest average monthly cost of $50. Mancini, Jeannine. “What is the Average Cell Phone Bill Per Month?” MoneyLion, February 15, 2023. https://www.moneylion.com/learn/average-cell-phone-bill-per-month/, Accessed October 2023.
• ⁶ Actual rates will vary based on factors including the applicant's age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.
• ⁷ LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Read More