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MetLife Disability Insurance


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

2001 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
With Other DI
Maximum Participation
With Group
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.

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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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