The information on this website is for informational purposes only and makes no guarantee or warranty on the processing of claims. Other limitations may apply. It is recommended that each member with coverage obtain a copy and read the entire policy. Each policy is issued specific to each person, the state that they reside in, and the coverage that they elect.
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.