If an injury or illness kept you out of work and prevented you from earning a paycheck, how would you cover your bills and other household expenses? Disability Insurance provides income protection, paying benefits you can use to offset out-of-pocket expenses and make up for lost wages.
To help you with your income protection, eligible employees have the option to purchase Short-Term Disability coverage at an affordable cost. This voluntary coverage allows you to choose the amount of extra coverage you need and provides benefits on a tax-free basis. Payable benefits begin after satisfying a 14-day unpaid elimination period and may continue for a maximum of 26 weeks from the date the disability began, as long as you remain disabled.
Payable benefits begin after satisfying a 14-day unpaid elimination period and may continue for a maximum of 13 weeks or 26 weeks from the date the disability began, as long as you remain disabled.
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 Short-Term Disability benefits and how to calculate your cost of coverage!
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.
If you are enrolled in a Short-Term Disability benefit, you are ineligible for the 60% Voluntary STD plan.
Statutory offsets will be applied to the 60% plan. If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”)1, you should carefully consider whether to enroll for this coverage. If you are eligible for State Benefits, you must apply if required by state law. If permitted, your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.
1These jurisdictions include, but may not be limited to, California, Connecticut, District of Columbia, Hawaii, Massachusetts, New Jersey, Oregon, Puerto Rico, Rhode Island, Washington (and Colorado as of 1/1/24, Maryland, Delaware, and Minnesota as of 1/1/26, and Maine as of 5/1/26).
The definition of earnings for the 60% plan is base salary only. The 20% plan includes Commissions in the definition of earnings.
Non-Paid Owners and Commission-Only Employees are not eligible for the above coverage.