Frequently Asked Questions (continued)
How do I pay for my long term disability insurance? A. Premiums will be conveniently paid through payroll deductions , so you don’t have to worry about writing a check or missing a payment. What happens when I want to file a claim? A. 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. As one of the nation’s leading providers of disability benefits, 8 you can count on MetLife to provide you with caring, compassionate and accurate claims service if, and when, you experience a disability. What if I choose not to have long term disability insurance? A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to help protect your income. Without long term disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness. When can I enroll? A. It is best to enroll during your open enrollment period when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.
Please see your Plan Summary for more information.
Enroll in Long Term Disability Insurance during annual enrollment.
1. Social Security Administration, https://www.ssa.gov/pubs/EN-05-10029.pdf. August 2022. 2. Council for Disability Awareness. Chances of Disability: Me, Disabled? http://www.disabilitycanhappen.org/common-causes/. Accessed May 2023. 3. Bankrate's 2023 annual emergency savings report, https://www.bankrate.com/banking/savings/emergency-savings-report/. February 2023. 4. Social Security Administration Annual Statistical Report on the Social Security Disability Insurance Program, 2021, https://www.ssa.gov/policy/docs/statcomps/di_asr/2021/di_asr21.pdf. October 2022. 5. Social Security Administration. How Workers’ Compensation and Other Disability Payments May Affect Your Benefits. https://www.ssa.gov/pubs/EN-05-10018.pdf. December 2021. 6. For eligible family members, if you participate in a MetLife-approved Rehabilitation Program. 7. 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. 8. LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.
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