Long Term Disability
Additional Disability Plan Benefits: Coverage with Your Best Interests in Mind…
When you are ill or injured for a long time, MetLife® believes you need more than a supplement to your income. That’s why we offer return-to-work services and financial incentives and assistance in obtaining Social Security Disability Benefits to help you get the maximum benefits from your coverage. Services to Help You Get Back to Work Can Include: Nurse Consultant or Case Manager Services: Specialists who personally contact you, your physician and your employer to coordinate an early return-to- work plan when appropriate. Vocational Analysis: Help with identifying job requirements and determining how your skills can be applied to a new or modified job with your employer.
Job Modifications: Adjustments (e.g., redesign of work station tools) that enable you to return to work.
Retraining: Development programs to help you return to your previous job or educate you for a new one.
Financial Incentives: Allow employees to receive Disability benefits or partial benefits while attempting to return to work.
The Services of Social Security Specialists: Once you are approved for Disability benefits, Metlife can help you obtain Social Security Disability benefits. Our specialists can guide you through the initial application and appeals processes and may also help you access legal assistance from attorneys or vendors to pursue Social Security benefits. Answers to Some Important Questions… Q. Can I still receive benefits if I return to work part time? A. Yes. As long as you are disabled and meet the terms of your Disability plan, you may qualify for adjusted disability benefits. Your plan offers financial and Rehabilitation incentives designed to help you to return to work when appropriate, even on a part-time basis when you participate in an approved Rehabilitation Program. While disabled, you may receive up to 100% of your predisability earnings when combining benefits, Rehabilitation Incentives and other income sources such as Social Security Disability Benefits and state disability benefits, and part-time earnings. With the Rehabilitation Incentive you can get a 10% increase in your monthly benefit. The Family Care Incentive provides reimbursement up to $400 per month for eligible expenses, such as child care during the first 24 months of disability.You may be eligible for the Moving Expense Incentive if you incur expenses in order to move to a new residence recommended as part of the Rehabilitation Program. Expenses must be approved in advance. Q. Is there a pre-existing conditions provision? A. Yes. Your plan may not cover a sickness or accidental injury that arose in the months prior to your participation in the plan. A complete description of the pre-existing condition exclusion is included in the Certificate of Insurance/Summary Plan Description provided by your Employer. Q. Are there any other limitations or exclusions to my coverage? A. Yes. Your plan does not cover any Disability which results from or is caused or contributed to by: • War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act; • Active participation in a riot; • Intentionally self-inflicted injury or attempted suicide; • Commission of or attempt to commit a felony. For Long Term Disability, limited benefits apply for specific conditions, such as, mental or nervous disorders or diseases, alcohol, drug, or substance abuse or addiction, neuromuscular, musculoskeletal or soft tissue disorders and chronic fatigue syndrome and related conditions.
Other limitations or exclusions to your coverage may apply. Please review your Certificate of Insurance provided by your Employer for specific details or contact your benefits administrator with any questions.
25
Made with FlippingBook - Online magazine maker