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Disability Income Insurance

Department Details

Disability Income Insurance (Long Term Benefits)

Help protect your income and lifestyle with MetLife Disability Insurance.


Coverage that can help protect your income when you are unable to work.

Why is it so important?


Long Term Disability Insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.

Long Term Disability Insurance can help you cover essential living expenses, protect your savings, your home and other assets and help you avoid having to borrow money from friends or family.

Coverage is easily accessible, and in most cases, payments are made directly to you. If you have Long Term Disability Insurance, you can count on monthly payments. Plus, you can use the money for whatever you like, from groceries and gas to your mortgage or rent.

Why it pays to have disability insurance:


More than one in four of today's 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach normal retirement age.1 Plus, the majority of long-term absences are due to illnesses, such as cancer, heart attacks and diabetes.2


Given its strict definitions of what qualifies as a disability, federal help may be unavailable. Approximately 67% of initial Social Security Disability Insurance claims are denied.3 Social Security benefits are not available if you are expected to be disabled for less than a year. With disability insurance, you can help ensure you still receive part of your salary to cover everyday expenses.

Your Name is on the check.


Payments are made directly to you. You decide how to spend the money!

For example:

  • Mortgage or rent
  • Childcare
  • Groceries

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 60
    • 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



Please review the below application or call 1-866-978-2974

Plan FeaturesLong Term Disability
 LTD # 5554 LTD # 5095 LTD # 5240
Guaranteed Issue
Enrollment AgeUnder the age of 60Under the age of 60Under the age of 60
Maximum Monthly Benefit$10k$10k$3k or $5k
Elimination Period90, 180, or 365 days30 days90 days
Benefit DurationChoose Plan 1
or 2 Above
For Sickness = 1 year
For Accident See Plan 2 Above
2 years
 PLAN SUMMARYPLAN SUMMARYPLAN SUMMARY
 Enroll NowEnroll NowEnroll Now


SUBMISSION INSTRUCTIONS

After completing, sign and date the form on the last page where indicated. Make a copy for your records and mail to APPA.

APPA

12444 Powerscourt Dr, Suite 500A

St Louis, MO 63131


Discuss your plan options with your plan Representative.


Please contact your plan Representative at 1-866-978-2974 for information about your plan options. Your plan Representative will bill you directly. You can pay semi-annual, quarterly, annually by check, or make online payment.


Why Disability Insurance?

A. Disability protection can help you cover your essential living expenses and help protect your savings by replacing a portion of your income if you are unable to work due to a covered condition, injury or illness.

A. Consider any expenses you may incur in the running of your household, including car payments, mortgage or rent payments, groceries, childcare, tuition and more, that will still need to be paid in the event of a disability.

A. Payment will be made directly to you, not your employer, hospital, doctor or insurance company. The payment amount will depend on the amount of coverage you choose.

A. Disability insurance can be more cost-effective than you may think. For example, a healthy male age 35 may get a $1,000 monthly benefit for an initial premium of about $25 a month.4 Rates for your plan(s) can be found in the enrollment materials provided by your association.

A. The maximum monthly benefit amount under age 60 is $10,000 or 60% of your Pre-disability Earnings less any other disability insurance.


  • The minimum monthly benefit is $100.
  • Must be purchased in multiples of $100.
  • Waiting period of 30 days.
  • Discuss plan options with your plan sponsor.

A. MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online or on the MetLife US app. Search MetLife in the App Store or Google Play to download the app.


As one of the nation's leading providers of disability benefits,5 you can count on MetLife to provide you with caring, compassionate and accurate claims service if or when you experience a disability.

A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to help protect your income. Without disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses while you recover from a disabling accident or illness.



*Definition of disabled changes to any occupation after 60 months.


  • 1 Social Security Administration, https://www.ssa.gov/pubs/EN-05-10029.pdf, August 2022.
  •  
  • 2 Chances of Disability: Me, Disabled? Council for Disability Awareness website. http://www.disabilitycanhappen.org/common-causes/, Accessed October 2023.
  •  
  • 3 Social Security Administration Annual Statistical Report on the Social Security Disability Insurance Program, 2021, https://www.ssa.gov/policy/docs/statcomps/di_asr/2021/di_asr21.pdf, October 2022.
  •  
  • 4 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.
  •  
  • 5 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022.


Long Term Disability (LTD) coverage is provided under a group insurance policy issued to APPA by MetLife. This LTD coverage terminates when your membership or employment through membership ceases, when you cease to be an eligible member, when your LTD contributions cease, or upon termination of the group contract by your association. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan Representative for complete costs and details.


The Plan Overview provides only a brief overview of the LTD Plan. A more complete description of the benefits provisions, conditions, limitations, and exclusions will be included in the Certificate of Insurance, Summary Plan Description and/or other plan documents. If any discrepancies exist between this information and the legal plan documents, the legal plan documents will govern.


The association and/or the plan administrator incurs costs in connection with providing oversight and administrative support for this sponsored plan. To provide and maintain this valuable membership benefit, MetLife may compensate the association and/or the plan administrator for these and/or other costs.


All insurance and insurance effective dates are subject to final underwriting approval.


These policies provide disability income insurance only. For policies issued in New York, they do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.


Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166

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The information contained herein is offered as insurance Industry insight and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. This publication is not intended to offer legal advice or client specific risk management advice. Any description of insurance coverages is not meant to interpret specific coverages that your company may already have in place or that may be generally available. General insurance descriptions contained herein do not include complete Insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. Actual insurance policies must always be consulted for full coverage details and analysis. Insurance brokerage and related services to be provided by Gallagher Affinity Insurance Services, Inc. (License No. 100310679 | CA License No. 0783129).


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