Why it pays to have long term disability insurance:
How would you pay your bills if you couldn’t work?
• Savings? More than 2 in 3 Americans would be worried about having enough emergency savings to cover a month’s worth of living expenses. 3 • Social Security Disability? Given its strict definitions of what qualifies as a disability, federal help may be unavailable. Approximately 67% of initial Social Security Disability Insurance claims are denied. 4
Consider this: Anita is diagnosed with an autoimmune disorder leaving her temporarily paralyzed. While she’s unable to work for eight months, her disability insurance pays a percentage of her income each month, allowing her to focus on her recovery without worrying about where her next paycheck would come from. This is a hypothetical example for illustrative purposes only. Individual experiences may vary based on your plan design, where you live and whether your plan requires a deductible or coinsurance. Please see your Plan Summary for details about your coverage.
• Workers’ compensation? Only if you were injured on the job. 5
Long term disability coverage from MetLife may pay between 40 – 70% of your pre-disability income for an extended period. You will receive benefits for as long as you remain disabled and unable to work, until retirement age. You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programs are designed to help you recover financially and functionally.
Your benefit in action:
If you experience a major injury or chronic illness, submitting a claim doesn’t have to be difficult. Here’s what to expect:
Depending on your plan, you can submit your claim by phone, mail or visiting metlife.com/mybenefits . Plus, you can track the status of your claim online.
Answer a few simple questions about what happened and upload your medical documentation to support your claim. Once we have everything, claims are typically processed within 10 business days. You only need one claim form per injury or illness and every claim is reviewed by a claims professional.
Once your claim is approved, you’ll receive monthly or weekly payments depending on your plan. Use the funds however you like.
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