As a previous MetLife Long-term Disability participant, if you enroll now, benefit amounts up to $1,000 are guaranteed with no medical underwriting. If you enroll in an amount over $1,000 and are not approved by medical underwriting, then your coverage amount will be set at the guaranteed issue amount of $1,000 regardless of future participation. If you wait and enroll after 20% participation is achieved, you may elect up to a $3,000 guaranteed benefit. Benefit elections higher than $3,000 per month will always require approval by simplified underwriting regardless of participation.
