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

*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.
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• ² Chances of Disability: Me, Disabled? Council for Disability Awareness website. http://www.disabilitycanhappen.org/common-causes/, Accessed October 2023.
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• 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.
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• 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.
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• 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.

NOTE:  All of our policies when purchased and maintained current, belong to the individual policyholder for perpetuity. Regardless of whether it was pruchased through an employer and then the individual transferred his/her employment elsewhere including private practice.