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Short Term Disability, Long Term Disability


MetLife serves more than 100 million people1 and provides benefits and retirement solutions to more than 90 Fortune 100 companies2. MetLife’s customer-focused solutions, exceptional service and proven expertise — combined with state-of-the-art capabilities of strategic third-parties — provides expert guidance that employers can be confident in.

How it helps

Comprehensive benefits and value-added services help you establish a program that balances your business goals of productivity and cost control with employee satisfaction.

Benefits and provisions that offer meaningful financial protection, while managing financial risk and maximizing workforce productivity.

  • Income replacement
  • Flexible plan features
  • Return-to-Work incentives

Your Employees
Your ability to earn an income may be one of your most valuable assets. But, while medical insurance helps cover treatment due to an accident or illness, how do you cover your income? Disability insurance can help safeguard your income in the event you become unable to work due to an extended illness, injury or pregnancy. It's protection that enables you to meet your day-to-day financial obligations, so your long-term goals stay on track.


Available Products

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Find out more about how MetLife disability insurance can help you and your employees.

Special Considerations
If you have employees who work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), they should carefully consider whether to enroll for this coverage.  In California, Connecticut, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Oregon starting 9/3/23, and Colorado starting 1/1/24), if eligible, employees must apply for State Benefits.  Your employees’ STD benefit will be reduced by State Benefits or other government benefits that apply.  Depending on your employees’ compensation, the amount of the State Benefit, and other factors, they may only receive the minimum weekly benefit.  Your employees should consider, based on their individual circumstances, whether they need additional coverage beyond the State Benefit.


Like most group benefit programs, life insurance programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations, and terms for keeping them in force.  Ask your MetLife group representative for costs and complete details.
1 MetLife Corporate Fact Sheet 
2MetLife Internal Data as of December 31, 2021
 L0722024569[exp0724][All States][DC,GU,MP,PR,VI]

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Legal disclaimer

The information provided on this site has been developed by, Inc. and the carriers for general informational and educational purposes. Benefitfocus strives to ensure that this information is up-to-date and accurate.

Certain products available in the Benefit Catalog may be regulated through various state agencies as insurance products. Regulated insurance products are offered through brokers affiliated with, Inc and/or BenefitStore or through your association's, or your employer's appointed broker as applicable. Please contact your broker for more information.