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MetLife 2-9 Short Term Disability

A short-term disability can have a long-term financial impact on employees and their families. That's why selecting the right Short Term Disability1 (STD) income insurance provider is such an important decision. With over 50 years of group disability experience, MetLife is committed to offering valuable financial protection for employees against the risk of disability.

As a leading group short-term disability carrier2, MetLife combines expert management and expert resources to deliver a superior service experience to both employers and employees.

More About MetLife 2-9 STD

What's Available:

  • Definition of disability that protects one of the employee's most valuable assets - the ability to earn an income.
  • Work Incentive Benefit encourages a part-time return to work, where appropriate, by allowing replacement of up to 100% of pre-disability weekly earnings, taking into account the Weekly Disability Benefit, return to work earnings, other income benefits and rehabilitation incentives.
  • Rehabilitation Program Incentive increases the disability benefit by 10% when the employee is participating in a MetLife-approved rehabilitation program.
  • Family Care Incentive benefit when participating in a MetLife-approved rehabilitation program
  • Moving Expense Incentive reimburses employees for moving expenses to a new residence if recommended as part of a MetLife-approved rehabilitation program.
  • Organ Donor Benefit increases the disability benefit by 10% if disability is a result of an organ transplant procedure. No elimination period is required.

Short Term Disability Benefits for Groups with 2-9 Employees

2-9 Short Term Disability is available only when sold with MetLife 2-9 Dental.3

BENEFIT
PERCENTAGE

60%

MAXIMUM WEEKLY
BENEFIT

$750

ELIMINATION PERIOD

0 days for injury / 7 days for sickness

MAXIMUM BENEFIT
DURATION

Employers may choose one of two maximum benefit durations with our standard product (minimum of 2 eligible employees):

  • 13 Weeks
  • 26 Weeks

EXTENT OF
COVERAGE

Non-occupational injury and sickness only

EVIDENCE OF INSURABILITY
Required for:

  • Groups with 2-4 employees
  • Groups with 5-9 employees with amounts in excess of $250 per week
  • Employees who were eligible under the prior plan, but did not elect coverage
  • Late enrollees (those employees in contributory plans who do not enroll within 31 days of their eligibility date)
  1. Due to the specific regulatory requirements associated with state-mandated plans, MetLife's 2-9 STD plan described above is not available in NJ, NY, RI, HI, CA or PR.
  2. LIMRA International 2007. U.S. Group Disability Sales and In Force Survey based on In Force group disability premiums, fees and equivalents.
  3. Requirement may not apply in all jurisdictions.

Like most group disability insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about complete costs and details.

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