What Is Long Term Disability Insurance?

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FREQUENTLY ASKED QUESTIONS Long Term Disability Insurance Coverage that can help protect your income when you are unable to work due to illness or injury.

What is long term disability insurance?

It is an affordable way to protect your Q. How do disability payments work? income when you are unable to work A. Payment will be made directly to due to illness or injury. Accidents and you — not your employer, hospital, illness can happen to anyone, and it can doctor or insurance company. The impact your ability to earn money. That’s amount of the payment will depend on why financial experts recommend long the amount of coverage you choose. term disability insurance as part of a Accidents and illness sound financial plan. Q. How much does long term can happen to disability insurance cost? anyone, and it can Q. Why is having long term disability impact your ability insurance so important? A. Disability insurance is more affordable than you may think. to earn money. A. Having long term disability For example, a healthy male age 35 protection can help you cover your may get a $1,000 monthly benefit for essential living expenses and help an initial premium of about $25 a safeguard your savings, since it month.1 Rates for your plan(s) can replaces a portion of your income for be found in the enrollment materials an extended period of time. provided by your employer.

Q. What are the essential living Q. How do I pay for my long term expenses that I should be most disability insurance? concerned about? A. Premiums will be conveniently paid A. Consider any expenses you may through payroll deduction, so you incur in the running of your don’t have to worry about writing a household, including car payments, check or missing a payment. mortgage payments, groceries, child care, tuition and more, that would still need to be paid in the event of a disability.

ADF# DI1282.16 Long Term Disability Insurance

Q. What happens when I want to file Q. What if I choose not to have a claim? long term disability insurance? A. MetLife offers various ways to A. Enrolling in a plan is not mandatory, submit your claim based on your but it is a good idea and an plan, including online, mail and phone affordable way to help protect your options. Plus, you can track the status income. Without long term disability, of your claim online or on the MetLife you may need to use your savings or ® US App. Search “MetLife” on iTunes tap into other assets to cover your Have other questions? App Store or Google Play to download essential living expenses while you the app. recover from a disabling accident Please call MetLife or illness. directly at As one of the nation’s leading 1 800 GET-MET8 providers of disability benefits,2 Q. When can I enroll? (1 800 438-6388) you can count on MetLife to provide you A. It is best to enroll during your open and talk with a with caring, compassionate and accurate enrollment period when medical benefits consultant. claims service, if and when you exams may not be required and health experience a disability. questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.

1. 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. 2. LIMRA, U.S. Group Disability Sales and in Force Survey, 2018. Like most group disability insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.