DISABILITY

This insurance can help preserve your lifestyle if you suddenly cannot work due to a covered disability.

The MetLife Long Term Disability insurance plan can help protect your most valuable asset – your ability to earn an income. It can provide a monthly income should you become totally disabled and unable to work at your own occupation.*

Plan at a Glance:

• Members may apply for up to $10,000 per month
• Full benefits are payable if you’re totally disabled due to sickness or injury and are unable to perform the substantial and material duties of your own occupation while receiving regular care from a licensed physician*
• 90, 180 or 365 day waiting period
• Benefit includes Optional Cost of Living option

Maximum Benefit Period Options:

• Plan 1 – For an accidental injury or Sickness:
  Your 65th birthday, if Disability starts prior to age 63;
  2 years, if Disability starts at age 63-69.
• Plan 2 – For an accidental injury or Sickness:
  5 years, if Disability starts prior to age 61;
  4 years, if Disability starts at age 61;
  3 years, if Disability starts at age 62;
  2 years, if Disability starts at age 63-69.

BUSINESS OVERHEAD

The MetLife Group Business Overhead Expense insurance plan can help keep your business up and running should you become disabled under the terms of the policy. It can help pay your share of many of your firm’s overhead expenses, including office rent, employees’ salaries, insurance premiums, utility bills, for business and malpractice insurance and accountant’s fees.

Plan at a Glance:

• Available to members under age 50 who work full time (at least 30 hours per week) may apply for up to $15,000 in $100 increments with a $1,000 minimum
• Ages 50-60 may apply for up to $10,000
• Renewable to age 70
• Premiums waived during a covered disability if you receive monthly benefits for 6 continuous months