Short Term Disability Insurance

Vendor: MetLife

Short Term Disability insurance through MetLife protects a portion of your income if you are unable to work due to a covered injury or illness.

Key Features:

• Income Coverage of up to 60% of your salary (Maximum $3,000 weekly benefit)
• Deductions for the programs are done on an after- tax basis.
• 7 day elimination period for sickness (includes pregnancy) and injury
• Benefits are available for up to 26 weeks

Exclusions (Benefits will not be paid for the following):

• Elective treatment or procedures, such as cosmetic surgery, reversal of sterilization, liposuction, visual correction surgery, in-vitro fertilization, embryo transfer procedure, artificial insemination or other specific procedures. However, pregnancies and complications from any of these procedures will be treated as a sickness.
• War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act.
  • Active participation in a riot.
  • Intentionally self-inflicted injury or attempted suicide.
  • Commission of or attempt to commit a felony.
• Pre-existing conditions.
  • means a Sickness or accidental injury for which You:
    • received medical treatment, consultation, care, or services; or
    • took prescription medication or had medications prescribed; in the 3 months before Your insurance under MetLife takes effect.
• A Pre-existing Condition does not include a condition admitted in the application unless such condition is excluded by a signed waiver rider.
  • We will not pay benefits, or any increase in benefit amount, for a Disability that results from a Pre-existing Condition, if the Disability begins prior to the earliest of:
    • the date You have not received medical treatment, consultation or services for the Pre-existing Condition for a period of 3 consecutive months after the date insurance under this certificate takes effect; or
    • If You were not required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect; or
    • If You were required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect.
    • Note that Maryland has a pre-existing condition limit on an all employee paid Short-term Disability plans. This means that you will have to wait one year for any conditions in which you sought treatment for an injury or illness with 3 months prior to enrollment in the plan. Pregnancy is included in this pre-existing condition limit.

For UNUM participants, if you were to elect MetLife your monthly time with Unum would count toward your one-year waiting period as long as there was no break in coverage with UNUM.

STD Rate Calculation Examples