Discover the advantages of having MetLife Long Term Disability Insurance.
Long Term Disability Insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness. You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programs are designed to help you recover financially and functionally. Long term disability insurance can help cover important ongoing obligations that could be a challenge to meet during a difficult time, such as: • Rehabilitation • Family care, such as childcare • Moving expenses • Mortgage or rent payments • Groceries • Car payments
Product overview
Why needed
Frequently Asked Questions
Why is having long term disability insurance so important? A. Having long term disability protection can help you cover your essential living expenses and help protect your savings since it replaces a portion of your income for an extended period of time if you are unable to work due to a covered accident or illness. What are the essential living expenses that I should be most concerned about? A. Consider any expenses you may incur in the running of your household – including car payments, mortgage or rent payments, groceries, childcare, 6 tuition and more – that would still need to be paid in the event of a disability. How do disability payments work? A. Payment will be made directly to you — not your employer, hospital, doctor or insurance company. The payment amount will depend on plan. Please see your Plan Summary for more information. How much does long term disability insurance cost? A. Disability insurance can be more cost-effective 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. 7 Rates 7 for your plan(s) can be found in your enrollment materials.
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