Long-Term Disability Overview

MetLife’s Long-Term Disability (LTD) insurance provides income protection if you’re unable to work for an extended period due to a serious illness or accidental injury. This benefit helps replace a portion of your income so you can continue to meet financial obligations during your recovery.

 

Plan Highlights

• Monthly Benefit: Replaces 60% of your monthly earnings, up to $2,500/month

• Benefit Duration: Payments continue up to age 65 (if eligible)

• Waiting Period: Benefits begin after 90 consecutive days of disability

 

Additional Features

• Support services to help you return to work

• Financial incentives for participating in return-to-work programs

• Assistance with applying for Social Security Disability benefits

 

Important

If you previously declined this coverage and are now enrolling, you must complete and submit a Statement of Health (SOH) form to HR by December 8, 2025. Download the form here: 2026 Statement of Health Form

 

Note: You only need to complete one Statement of Health (SOH) form per person. The same form can be used for Voluntary Life Insurance, Short-Term Disability, and Long-Term Disability. There is no need to submit separate forms for the same individual.

 

For More Information, Please Review The Following Documents:

2026 Statement of Health Form

Benefit Overview

FAQ

Disability Claims Online Access Flyer