Disability

Disability Insurance provides a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.

Maintain your standard of living

Medical insurance may help cover treatment due to an accident or illness, but how do you cover your income? Protects yourself, your family and your savings from the impact of your lost income.  

Long-term disability insurance provides a steady stream of income to help cover essential expenses when an extended illness, injury or pregnancy keeps you away from work.

What you should know: 

  • Picks up where short-term disability plans leave off
  • Helps keep you on track to achieve your long-term financial goals

Did you know? A disability constitutes anything that keeps you away from work for an extended time.

View plan details

Disability FAQ's

Consider any expenses you may incur in the running of your household, including car payments, mortgage payments, groceries, child care, tuition and more, that would still need to be covered in the event of a disability.

Depending upon the amount of coverage you choose, payment will be made directly to you — not your employer, hospital, doctor or insurance company.

Disability insurance is more affordable 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.1 Rates for your plan(s) can be found in the enrollment materials provided by your employer.

Enrolling in a plan is not mandatory, but it is a good idea and an affordable 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 an accident or illness.

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" on iTunes® App Store or Google Play to download the app.

As one of the nation’s leading providers of disability benefits,2 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. 

How much disability insurance should you have?

Find out with our disability insurance calculator

CAlculator

1 Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.

2 LIMRA, U.S. Group Disability Sales and In Force Survey, 2016.