Disability Insurance helps to replace a portion of your income when you are unable to work due to a serious illness or injury. There are two types of disability insurance if offered through your employer.
MetLife Short-Term Disability
MetLife Short-Term Disability replaces a portion of your income following sickness or off-the-job accident. Depending on your specific situation, benefits may be available for up to 26 weeks. If this coverage is available to you through Prestige, you will see it listed with your benefits on the PrestigePRO portal. The benefit is based on 50% of your weekly salary but up to the allowed limits of the plan.
MetLife Long-Term Disability
MetLife Long-Term Disability replaces up to 60% of your monthly salary (certain limitations and waiting periods apply). This type of coverage is specific to those who can no longer work and earn a living. If this coverage is available to you through Prestige, you will see it listed with your benefits on the PrestigePRO portal.