Short-Term Disability (STD)
STD benefits begin after your claim is approved. STD payments begin the first day following the last day of a one-week waiting period.
Benefits equal 75% of your base salary. Once they begin, the benefits may continue for up to 12 weeks. The plan administrator has the final authority to approve or deny claims and to request additional medical documentation.
Note: An independent medical examination may be required to initiate or continue benefits.
To file a claim, contact MetLife at www.metlife.com/mybenefits or 833-622-0135.
Long-Term Disability (LTD)*
LTD benefits begin after a 90-day elimination period for a qualifying disability. The plan provides 60% of your monthly salary. The maximum benefit is $10,000 a month.
Benefits are offset by other income sources you may receive such as state disability, workers’ compensation, Social Security, retirement and severance benefits. You must notify MetLife if you begin receiving other income benefits.
Benefits for approved mental health and substance abuse disabilities are limited to 24 months.
*During the first 12 months of eligibility, pre-existing conditions may be excluded. Refer to the Plan Documents for further details.
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