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Disability Income Protection

Chances are that you do not have enough money in your personal or other long-term savings accounts that would allow you to miss more than two months of work without suffering financial consequences.

Disability Income Protection Insurance plans can provide you with a weekly (STD) benefit or monthly (LTD) benefit if you become disabled, as defined in the policy. Choose short term (STD) or long term (LTD) disability income protection insurance, or both.

An employee must be actively at work for coverage to begin. Minimum requirement for active employment is 60 hours bi-weekly. Refer to the Benefits Handbook for additional information.

Short-Term Disability (STD)

This plan can provide up to 60% of your weekly salary, with a maximum benefit of $500 (STD Low Option Plan) or $1,000 (STD High Option Plan) per week.  STD benefit payments are issued in arrears on a weekly basis, and benefits can continue for each period of disability, but not beyond the maximum benefit period of 26 weeks.

STD benefits start to accrue after you meet the definition of disability and satisfy a 14-consecutive-day waiting period, or the expiration of all sick leave, whichever is later. Annual leave will automatically be used unless you submit a written request for it not to be paid to you.

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Long-Term Disability (LTD)

This plan can provide up to 60% of your monthly salary, with a maximum benefit of $2,000 (LTD Low Option Plan) or $4,000 (LTD High Option Plan) per month.  The minimum monthly benefit is the greater of $100, or 10 percent of the gross monthly benefit before deductions for other income benefits. Pre-existing limitation clause applies.

LTD benefits start to accrue after you meet the definition of disability as defined in the policy and satisfy the waiting period of 180 days.

Before LTD benefits will begin, an employee must exhaust any short-term disability or the expiration of all sick leave, whichever occurs later. Annual leave will automatically be used unless you submit a written request for it not to be paid to you. As long as you are receiving LTD benefits from MetLife, your monthly premiums are waived.

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Monthly Premiums

Short-Term and Long-Term Disability Monthly Premiums
METLIFE STD Premium Per $100 Weekly Benefit METLIFE LTD Premium Per $100 of Covered Monthly Payroll
Low Option ($500 max weekly benefit) $1.20 Low Option ($2,000 max monthly benefit) $0.192
High Option ($1,000 max weekly benefit) $1.20 High Option ($4,000 max monthly benefit) $0.230
    Premier LTD ($7,000 max monthly Benefit) $0.320
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Disability Plans

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Page Last Edited: Wed Mar 26, 2014 5:38:19 PM
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