METLIFE LONG TERM DISABILITY
Income protection for longer qualifying disabilities.
Long Term Disability coverage can replace a portion of earnings when an eligible disability continues beyond the plan's elimination period.
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How LTD can help
LTD is designed for extended eligible disabilities and can help replace part of an employee's income when they are unable to work for a longer period.
When benefits can begin
The available designs provide 60% income replacement after a 180-day elimination period, with the monthly maximum determined by the employer-selected plan.
Where to confirm coverage
Check your client-specific Benefits Summary, your MetLife account and the official certificate or plan documents.
Your employer selects the LTD design offered to employees. Review your client-specific Benefits Summary and official plan documents for your exact coverage.
METLIFE LONG TERM DISABILITY
Compare Long Term Disability options.
Review the three available monthly benefit maximums side by side. An employer selects the LTD design offered to its employees.
LONG TERM DISABILITY
Long Term Disability (LTD)
Coverage for an extended eligible disability after a 180-day elimination period, with three available monthly maximums.
LTD $7,500
- Income replacement
- 60%
- Maximum monthly benefit
- $7,500
- Earnings that reach the maximumMonthly earnings
- Above $12,500
- Elimination period
- 180 days
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation, then any gainful occupation
- Earnings threshold
- Unable to earn 80%
- Pre-existing condition provision
- First 3 months
- Mental health / substance limit
- Up to 24 months
- Rehabilitation incentive
- +10% monthly benefit
- Family-care incentive
- Up to $400/month · first 24 months
- TELUS Health CBT
- Included
LTD $10,000
- Income replacement
- 60%
- Maximum monthly benefit
- $10,000
- Earnings that reach the maximumMonthly earnings
- Above $16,667
- Elimination period
- 180 days
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation, then any gainful occupation
- Earnings threshold
- Unable to earn 80%
- Pre-existing condition provision
- First 3 months
- Mental health / substance limit
- Up to 24 months
- Rehabilitation incentive
- +10% monthly benefit
- Family-care incentive
- Up to $400/month · first 24 months
- TELUS Health CBT
- Included
LTD $15,000
- Income replacement
- 60%
- Maximum monthly benefit
- $15,000
- Earnings that reach the maximumMonthly earnings
- Above $25,000
- Elimination period
- 180 days
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation, then any gainful occupation
- Earnings threshold
- Unable to earn 80%
- Pre-existing condition provision
- First 3 months
- Mental health / substance limit
- Up to 24 months
- Rehabilitation incentive
- +10% monthly benefit
- Family-care incentive
- Up to $400/month · first 24 months
- TELUS Health CBT
- Included
Monthly earnings above the amount shown reach the plan maximum, because 60% of those earnings exceeds the monthly cap. The official certificate controls the calculation and maximum benefit period.