METLIFE SHORT TERM DISABILITY
Income protection for shorter periods away from work.
Short Term Disability coverage can replace a portion of earnings during the initial weeks of an eligible illness, injury or pregnancy-related disability.
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How STD can help
STD is designed for eligible, shorter periods away from work and can help replace part of an employee's income while they focus on recovery.
When benefits can begin
The available designs provide 60% income replacement, a 7-day elimination period for injury or sickness, and benefits for up to 25 weeks, subject to plan terms.
Where to confirm coverage
Check your client-specific Benefits Summary, your MetLife account and the official certificate or plan documents.
Your employer selects the STD design offered to employees. Review your client-specific Benefits Summary and official plan documents for your exact coverage.
METLIFE SHORT TERM DISABILITY
Compare Short Term Disability options.
Review the three available weekly benefit maximums side by side. An employer selects the STD design offered to its employees.
SHORT TERM DISABILITY
Short Term Disability (STD)
Coverage for the initial weeks of an eligible disability, with three available weekly maximums.
STD $750
- Income replacement
- 60%
- Maximum weekly benefit
- $750
- Injury elimination period
- 7 days
- Sickness elimination periodIncludes pregnancy
- 7 days
- Maximum benefit duration
- 25 weeks
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation · unable to earn more than 80%
- Rehabilitation incentive
- +10% weekly benefit
- Family-care incentive
- Up to $100/week after 4th payment
- Other-income offsets
- May apply
STD $1,500
- Income replacement
- 60%
- Maximum weekly benefit
- $1,500
- Injury elimination period
- 7 days
- Sickness elimination periodIncludes pregnancy
- 7 days
- Maximum benefit duration
- 25 weeks
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation · unable to earn more than 80%
- Rehabilitation incentive
- +10% weekly benefit
- Family-care incentive
- Up to $100/week after 4th payment
- Other-income offsets
- May apply
STD $2,500
- Income replacement
- 60%
- Maximum weekly benefit
- $2,500
- Injury elimination period
- 7 days
- Sickness elimination periodIncludes pregnancy
- 7 days
- Maximum benefit duration
- 25 weeks
- Employee eligibility
- Active full-time · 20+ hrs/week
- Disability test
- Own occupation · unable to earn more than 80%
- Rehabilitation incentive
- +10% weekly benefit
- Family-care incentive
- Up to $100/week after 4th payment
- Other-income offsets
- May apply
Benefits may be reduced by state disability, paid leave, sick pay, vacation pay, no-fault benefits and other income described in the official certificate.