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Group Disability Insurance

Our broad range of products and service solutions help provide income protection, maximize productivity, and minimize administration for employers of all sizes. For more information, please contact your broker.

Disability Products and Services

MetLife offers solutions to help protect employees' income when they need it most.

These options can replace a portion of employees’ income until they can return to work.

  • Short Term Disability (STD)1 and Long Term Disability (LTD)
  • Salary Continuance, Administrative Services Only (ASO) and Advice-to-Pay (ATP)2
  • Statutory Disability and Paid Family Leave3
  • LTD Reserve Buy-Outs
  • Individual Disability Insurance (IDI) / LTD Integrated Solution

Absence & Leave Management

Administering absence and leave management can be challenging and time consuming for any business. Our focus is helping reduce your risk and simplifying administration. Whether your company is large or small, count on us to deliver the right solution for your organization.

Total Absence Management.SM Integrated absence management solutions to help ease the impact on your workload and simplify employees’ process for absences such as FMLA leaves, similar State leaves, and company leaves (like jury/witness duty, military, bereavement, medical, etc.).4

FMLAssistSM complements your FML administration by helping to alleviate the burden associated with failing to comply with the FMLA by leveraging our expertise for all or some of your employees’ Family Medical Leave (FML) needs.5

Well-being Programs

A coordinated approach to help employees stay healthy.

Disability Health and Wellness Connection promotes employees' use of their medical carrier and existing disease management and wellness programs to drive healthier behaviors. This can lead to a more health conscious workforce, reduced absences, earlier return to work, and potentially lower incidences of disability.

  • EAP Referral
  • Disease Management Coordination
  • Data Sharing6
  • Trends and Analysis Reporting
  • Online Disability Consumer Educational Resources
Information for Employees

If you’re an employee, get the information you need to make disability insurance decisions

Availability of products and services is based on MetLife’s guidelines, group size, underwriting and state requirements.  Like most insurance policies and benefit programs, insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for complete details.

1 Voluntary STD not available in states with statutory plans except NY.

2 Self-funded programs available for groups with 500+. Advice-to-Pay available for groups with 200 + covered employee lives. Voluntary STD not available in states with statutory plans except NY.

3 Statutory plans self-funded programs and CA VDP/PFL only available for 500+ lives except in NY where available for groups with 10 + and NJ TDB where available for 100+ lives.

4  Total Absence ManagementSM is available to private employers with a minimum of 1,000+ covered employees. FMLA and Leave Management administrative services are only sold in conjunction with group STD (ASO or insured) and insured group LTD. The employer’s FMLA policy must require that the group disability and workers compensation insurance run concurrently with FMLA

5 FMLAssistSM is available for customers with 50–999 covered employee lives and insured group Long Term Disability through MetLife. Cannot be sold in conjunction with any MetLife Voluntary Products. Subject to a $500 initial set-up fee. MetLife will indemnify employers under certain circumstances for the FML Assist (SM) decisions we make, up to an aggregate annual amount of $50,000 in any given contract year.

6 Subject to applicable law

ADF# DI1313.16