Headquartered in New York, NY, MetLife and
its affiliates offer a full range of insurance and other financial
products and services including disability insurance products. In addition to life, non-medical health and
property and casualty insurance, MetLife is a leader in savings and
retirement products and services for individuals, small businesses and
large institutions. MetLife is the largest life insurer in terms of life
insurance "in-force" in North America, and offers financial products and
services to 88 of the Fortune 100SM companies.
MetLife is ranked number 1 in the group
short term disability market and number 2 in the group long term
disability market. They are second largest group disability carrier
overall with approximately 1.5 billion of premium and equivalents in
force1.
12001 U.S. Group Disability
Saks and In force Survey, LIMRA International. Based on premiums and
equivalents in force.
With over 40 years of group disability
experience, MetLife currently covers over 3.5 million employees at over
10,000 companies nationwide.
MetLife Is
Big On Underwriting Physicians And Dentists
Occupational Classes
Applicable in All States Except CA, FL, MI, NJ
|
Occupation/Specialty |
Occ Class |
Issue Limit 1 |
Maximum
Participation
With Other DI |
Maximum Participation
With Group
LTD |
Occupations with Non-Invasive Duties
Allergist . Neurologist .
Cardiologist . Oncologist
Dermatologist Pathologist
ENT Pediatrics
Family
Practice . Pulmonologist
Gastroenterologist .
Rheumatologist
General Practice . Neonatologist
Hematologist . Opthalmologist
Internal Medicine .
Radiologist
Nephrologist . Urologist
|
5S |
$15,000 |
$15,000 |
$20,000 |
Occupations with Invasive Duties
Cardiologist . Opthalmologist
Dental . Specialties .
Radiologist
Neonatologist . Urologist
|
5I |
$10,000 |
$15,000 |
$15,000 |
Aneshesiologist . OB/GYN
Dentist (General) . Optometrists
Emergency Room . Psychologists (PhD)
Gynecologist .
Psychiatrist
Obstetrics . Surgeon
|
4M |
$10,000 |
$15,000 |
$15,000 |
1For
insured's ages 59 and older, the maximum issue limit from all
sources is $10,000
Business Overhead Expense
Available up to $20,000/month for all physicians and dentists. For
medically standard cases, coverage in excess of this limit, up to
$30,000/month, may be considered on a case by case basis.
MetLife Is Big On Group
Disability
Short Term Disability (STD)
Flexible plan designs for employers with 2 - 1,000 employees
Fully insured plans
State mandated disability coverage in New York, New Jersey, and
Hawaii; excess coverage over statutory benefits is available in
California.
Rehabilitation Incentives and Family Care Expense Benefits
Automated initial disability duration guidelines
Long Term Disability (LTD)
Flexible plans available for employers with 10 - 1000 employees
Return-to-Work and Rehabilitation Incentives
Family Care Expense Benefits
Temporary Recovery Days
Flexible Claim Management Services
Claims Services
Clinical approach to claim management
Job site accommodation services
Early intervention programs
Social Security application and appeals assistance
Note: Most group disability insurance policies contain certain
exceptions, waiting periods, reductions, limitations and terms for
keeping them in force.
Related Topics
Top Rated Disability
Insurance Company Products
●
Companies And Product Benefits
●
Aig
●
Assurity
●
Berkshire
●
Berkshire Brochure
●
Boston Mutual
●
Guardian
●
Hartford
●
MassMutual
●
Metlife
●
Mutual of Omaha
●
Principal
●
Company Profile
●
Union Central
Not all insurance products from all insurance companies
are available in all states.
Note:
We do not provide legal or tax advice. The general
information presented on various tax aspects contained in
this site are not intended to be relied upon as tax advice.
Individuals should seek the advice of a qualified tax
professional regarding the taxation of these benefits as
they apply to your particular situation.
These
benefits are offered in all states except: AK, HI, & WY.
License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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