Long-Term Disability Coverage

2021 Plan Year Information

Long-Term Disability (LTD) Coverage

U.S. benefits-eligible employees will default into Long-Term Disability coverage during the benefits enrollment period as a way to protect a portion of their income if they are unable to work due to illness or injury. (Limitations and exclusions may apply.) You pay the full cost of Long-Term Disability. Your contributions are deducted from your pay on an after-tax basis.

Auto Enrollment

You will be automatically enrolled for LTD coverage, even if you previously waived coverage. If you do not wish to have LTD coverage next year or in subsequent years, you must actively waive coverage during the benefits enrollment period.

Long-Term Disability Benefit

60% of your benefits eligible earnings, up to $25,000 maximum per month

When Benefits Begin

When MetLife declares you have been disabled for 180 days

How Long Benefits Last

See the Health Benefits and Insurance SPD for benefit information.

Additional Coverage Option

Employees with eligible pay of $500,000 or more may be eligible to purchase up to $15,000 per month of additional portable Individual Disability Income Insurance coverage issued by Unum. If you are eligible, Lenox Advisors, financial professionals with expertise in executive benefits and individual insurance, will contact you within the first quarter of the year.