You enroll in Short Term Disability Insurance
You become injured or ill and declared totally disabled by a physician
Submit a claim based on your plan
Receive weekly benefit checks
Who is the provider?
MetLife
With over 150 years of experience, MetLife is a leading innovator and a recognized leader in protection planning and retirement & savings solutions.
Who in my family is eligible for this insurance?
How much does this insurance cost?
What if my employment status changes?
When would my coverage start?
How is “Disability” defined under this plan?
Generally, you are considered disabled and eligible for short term benefits if, due to sickness, pregnancy or accidental injury:
For a complete description of this and other requirements that must be met, refer to the Certificate of Insurance or contact MetLife with any questions.
When do benefits begin and how long do they continue?
Benefits begin after the end of the elimination period. The elimination period begins on the day you become disabled and is the length of time you must wait while being disabled before you are eligible to receive a benefit. The elimination periods is as follows:
For Injury: 7 days.
For Sickness (includes pregnancy): 7 days.
Benefits continue for as long as you are disabled up to a maximum duration of 13 weeks of disability. Your plan’s maximum benefit period and any specific limitations are described in the Certificate of Insurance provided by your employer.
Does this plan cover pre-existing conditions?
If you received medical treatment, consultation, care, or services; or took prescription medication or had medications prescribed related to the illness/injury in the three months prior to the effective date of coverage.
We will not pay benefits for a disability that results from a pre-existing condition, if you have been actively at work for less than 12 consecutive months after the date your disability insurance takes effect.
Legal Disclaimers
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, Connecticut, Oregon, Colorado, and New Hampshire, 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.
METLIFE’S SHORT TERM DISABILITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy or its provisions may vary or be unavailable in some states. Short Term Disability policies offered by MetLife may include a pre-existing condition exclusion. MetLife offers Short Term Disability on an Attained Age basis. Attained Age rates are based on specified age bands and will increase when a Covered Person reaches a new age band. Rates are subject to change for MetLife’s Issue Age Short Term Disability on a class-wide basis. For complete details of coverage and availability, please contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of the worksite Short Term Disability Insurance product is pending regulatory approval.
Like most group insurance policies, polices offered by MetLife may include waiting periods and contain certain exclusions, limitations and terms for keeping them in force. Please contact MetLife for details.
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