METLIFE GROUP SHORT AND LONG-TERM DISABILITY
MetLife group disability insurance for small businesses
Short and long-term disability that keeps your employees paid when an illness, injury or childbirth keeps them from working. Offer it as a voluntary plan at no cost to your business.
✓ Replaces 60% of pay
✓ Rates locked for 24 months
✓ For businesses with as few as two employees
Get your disability quote
No gap in income
Short-term disability pays from the 8th day for up to 12 weeks, and long-term disability picks up from there for up to 5 years.
Rates locked for 24 months
Your rates won't change for two years. No increases. No surprises.
Free quote, no obligation
Get your quote online at no cost, with no obligation to enroll. When you’re ready, enrollment takes less than 20 minutes.
Short-term coverage
Short-term disability covers time off for surgery, an injury or recovering from childbirth. It pays from the 8th day for up to 12 weeks.
Long-term coverage
Long-term disability covers a serious illness or injury that keeps an employee out for months. It pays after 90 days, for up to 5 years.
Offer both
Offer both, and long-term disability starts as short-term ends, so employees are never left without income.
HOW IT WORKS
How Short and Long-Term Disability Insurance Works
Short-term and long-term disability are quoted separately. Your business can pay for the coverage, or offer it as a voluntary plan that employees pay for at group rates, at no cost to your business.
Your quote shows the exact benefits and rates for your group.
Price example: For example, for 10 employees earning about $45,000 a year, employer-paid short-term disability costs about $184 a month in total, and long-term disability about $53. Your rate depends on your group.
HOW IT WORKS
Get set up in three steps
1. Enter your information to start your quote.
2. Pick your coverage and decide how the premium is paid.
3. Complete your enrollment application online. It takes less than 20 minutes.
Who can apply?
• Businesses with as few as two full-time employees. The owner counts as one.
• Coverage starts on the 1st of any month. Apply at least 2 weeks before the date you want.
• Each policy runs 12 months, and your rates are guaranteed for your first 24 months.
• Employer-paid plans cover every eligible employee. Voluntary plans need at least two employees enrolled.
WHY METLIFE?
Simple setup.
Minimal admin.
Real support.
A leader in non-medical group benefits, with service built for small businesses.
90% +
of plans set up in under 7 business days
96%
of employees satisfied with the claims experience
99%
employer satisfaction
24/7
online access to self-service portal
FREQUENTLY ASKED QUESTIONS
Questions employers often ask about group disability
Short-term disability replaces 60% of an employee’s weekly pay, up to $1,000 a week, from the 8th day of an illness or injury for up to 12 weeks. Long-term disability starts after 90 days, about when short-term ends, and replaces 60% of monthly pay for up to 5 years.
No. You can offer short- or long-term disability as a voluntary plan, which employees pay for at group rates, so it costs your business nothing. At least two employees need to enroll.
Coverage applies from the day an employee becomes disabled. Short-term disability then has a 7-day waiting period, so benefits are paid from the 8th day.
Yes. It pays for 6 weeks after a normal delivery and 8 weeks after a C-section.
Plans your business pays for have no pre-existing condition exclusion. On voluntary plans, a condition treated in the 3 months before coverage starts has a 12-month waiting period.
Employees file directly with MetLife, online or by phone. Your part is to confirm their employment details.
Yes. Owners, partners and proprietors are eligible if they meet the same requirements as other employees.
It depends on who pays. Benefits from a plan your business pays for are generally taxable to the employee. Benefits from a plan employees pay for with after-tax pay generally are not. Check with your tax advisor.
START HERE
Ready to see what disability insurance costs for your team?
✓ Replaces 60% of pay
✓ Rates locked for 24 months
✓ Enroll in less than 20 minutes
Call for a quote: 855-901-5565
This page is a summary, not a statement of benefits or rates, and it does not guarantee coverage. Like most group disability insurance policies, these plans have exclusions, limitations and reductions of benefits set out in the plan documents. Rates vary by group. Group disability insurance is underwritten by and offered through Metropolitan Life Insurance Company.