Voluntary Long-Term Disability Insurance
Underwritten by Metropolitan Life Insurance Company New York, NY
Open Enrollment for New Independent Business Owners
Additional Features
Partial Disability Benefits
If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits, which will help supplement your income until you are able to return to work full-time.
Vocational Rehabilitation Benefit
If you become disabled and participate in the vocational rehabilitation program, which offers services that help you return to work, you will be eligible for a monthly benefit increase of five percent.
Recurrent Disability
If you return to work full-time following a disability and the disability recurs within six months, you do not have to satisfy a new elimination period.
Waiver of Premium
The premium for your voluntary long-term disability coverage is waived while you are receiving benefits.
Survivor Benefit
If you pass away while receiving voluntary long-term disability benefits, your benefits will be provided to your beneficiaries for a period of time after your death.
Back to Coverage Highlights
Disability insurance underwritten by Metropolitan Life Insurance Company New York, NY. Group Policy Form: 162250-1-G Like most insurance policies, MetLife policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them inforce. All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Coverage may be subject to underwriting approval. Please contact your plan administrator at 1-800-254-2327 for details.
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