Your ability to bring home a paycheck is your most valuable asset. We help you protect it.
If an injury or illness keeps you out of work longer than the Short-Term Disability period, Voluntary Long-Term Disability Insurance can provide additional income protection.
This voluntary coverage allows you to secure 60% of your monthly earnings up to $10,000. Payable benefits begin after 26 weeks and continue until you retire.
For more information, call MetLife at 1-877-ADPTS01 (877-237-8701).
Use the resources below to learn about how pre-existing conditions can effect your Voluntary Long-Term Disability benefits and how to calculate your cost of coverage!
View the Benefit Details and FAQs section below for plan summaries and eligibility.
Important Resources
Benefit Details and FAQs
Voluntary Long-Term Disability Plan FAQ
Voluntary Long-Term Disability Plan FAQ Spanish
Voluntary Long-Term Disability Plan Summary
Voluntary Long-Term Disability Plan Summary Spanish
Voluntary Long-Term Disability 90-Day Plan Certificate
Voluntary Long-Term Disability 180-Day Plan Certificate
Long-Term Disability Pre-Existing Conditions
NOTE: Non-paid owners and commissions-only worksite employees who do not draw a salary or hourly wage are not eligible for voluntary disability benefits offered through MetLife.
Eligibility in the Voluntary LTD plan requires enrollment in the employer-paid 50%/$1,000 plan. Employees with no wages are not eligible.
Applicable offsets/deductions are income from other sources (such as Social Security Disability benefits) that you receive or are eligible to receive as a result of/due to your disability, which will reduce your total LTD benefit amount each month. Please see your plan certificate for full details.
Non-Paid Owners and Commission-Only Employees are not eligible for the above coverage.