Coverage that can help protect your income when you are unable to work.
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.
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.
Payments are made directly to you. You decide how to spend the money!
For example:
Please review the below application or call 1-866-978-2974
Form MLP-5554 | Form MLP-5095 | Form MLP-5240 |
---|---|---|
DISABILITY INCOME | DISABILITY INCOME | DISABILITY INCOME |
MAX $10K MONTHLY | MAX $10K MONTHLY | CHOOSE FROM $3K OR $5K MONTHLY |
90, 180, OR 365 ELIMINATION PERIOD | ELIMINATION PERIOD 30 DAYS | GUARANTEED ISSUE |
CHOOSE PLAN 1 OR PLAN 2 UNDER MAXIMUM BENEFIT PERIOD OPTIONS | N/A | 2 YRS OF COVERAGE |
AVAILABLE COST OF LIVING ADJUSTMENT | N/A | N/A |
PLAN SUMMARY | PLAN SUMMARY | PLAN SUMMARY |
APPLY | APPLY | APPLY |
A. Disability protection can help you cover your essential living expenses and help protect your savings by replacing a portion of your income if you are unable to work due to a covered condition, injury or illness.
A. Consider any expenses you may incur in the running of your household, including car payments, mortgage or rent payments, groceries, childcare, tuition and more, that will still need to be paid in the event of a disability.
A. Payment will be made directly to you—not your employer, hospital, doctor or insurance company. The payment amount will depend on the amount of coverage you choose.
A. Disability insurance can be more cost-effective than you may think. For example, a healthy male age 35 may get a $1,000 monthly benefit for an initial premium of about $25 a month.6 Rates for your plan(s) can be found in the enrollment materials provided by your association.
A. The maximum monthly benefit amount under age 60 is $10,000 or 60% of your Predisability Earnings less any other disability insurance.
The minimum monthly benefit is $100.
Must be purchased in multiples of $100.
Waiting period of 30 days.
Discuss payment options with your plan sponsor.
A. MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online or on the MetLife US app. Search “MetLife” in the App Store or Google Play to download the app.
As one of the nation's leading providers of disability benefits,7 you can count on MetLife to provide you with caring, compassionate and accurate claims service if or when you experience a disability.
A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to help protect your income. Without disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness.
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
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The information contained herein is offered as insurance Industry insight and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. This publication is not intended to offer legal advice or client specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that your company may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete Insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance policies must always be consulted for full coverage details and analysis. Insurance brokerage and related services to be provided by Gallagher Affinity Insurance Services, Inc. (License No. 100310679 | CA License No. 0783129).
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