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Disability Insurance

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The state offers Disability Insurance benefits to full-time state and higher education employees through MetLife. Disability Insurance helps cover living expenses by insuring your paycheck. Members pay the premium. In 2019, premiums will stay the same.

MetLife
855.700.8001
Monday - Friday, 7-10 CT
metlife.com/StateOfTTN

  • Short-term Disability (STD): Replaces a portion of your income during a disability, which could last up to 26 weeks. Two coverage options are available. Click here to calculate rates. Monthly rates are also in Edison.
  • Long-term Disability (LTD): (state employees only) Replaces a portion of your income during a disability that is expected to last longer than 90-180 days. Four coverage options are available. Contact your agency benefits coordinator if you are a higher education employee about LTD insurance offered through higher education. Click here to calculate rates. Monthly rates are also in Edison.

For this year's Annual Enrollment period, employees can apply to enroll, or increase coverage if currently enrolled by answering five medical questions. To answer the questions, you will have to complete an application for enrollment form linked in Edison that is on the MetLife website.

  1. First, you'll select a Benefit Option under STD and/or LTD (if eligible) in Edison ESS from Oct. 1-Oct. 12.
  2. Then in Edison you'll see a link to the application for enrollment form with five medical questions and instructions on how to submit it directly to MetLife for medical underwriting review.
  3. Once you complete the form, you must print, sign, date and return it to MetLife as directed on the form by Oct. 31, 2018.

Go to metlife.com/StateofTN to find the Supplemental Enrollment Form with the five questions. You may find the form under Disability Insurance for State or Higher Education Employee, Documents, LMI Cover Letter and Form.

Why is having disability insurance important?

If you are unable to work due to illness or injury, disability insurance can help pay your most important expenses. These include:

  • Mortgage or rent
  • Car payments
  • Food
  • Child care/tuition
  • Utilities

Important information if you are thinking about applying to enroll in coverage:

  • Those who enroll will pay 100 percent of the premium with after-tax dollars. By paying with after-tax dollars, any benefits paid to you will result in a tax-free benefit.
  • If you intend to enroll in both STD and LTD, you should consider enrolling in one of the LTD options with a 180-day elimination period. The 26-week STD Insurance will best cover the 180-day Elimination Period for your LTD, at a lower monthly cost.
  • You must use all of your Accrued Leave (Sick, An­nual and Compensatory time) before your disability payments begin.


Frequently Asked Questions about pregnancy and disability benefits

Short Term Disability Insurance (available to state and higher education employees)

Short Term Disability (STD) Insurance replaces a portion of your income during a disability, which could last up to 26 weeks. It may be good for those who:

  • Have little Annual or Sick Leave
  • Take part in high-risk activities
  • Don’t have six-month emergency funds

Short Term Disability Insurance Coverage Options
Short Term Disability Insurance Rates
Short Term Disability Exclusions

Long Term Disability Insurance (available to state employees only)

Long Term Disability (LTD) Insurance replaces a portion of your income during a disability that is expected to last for an extended period of time. This period of time is typically longer than 90 or 180 days. It may be good for those who:

  • Need their income to pay for housing, food and other bills
  • Would have trouble supporting themselves if out of work more than 90 days

Long Term Disability Insurance Coverage Options
Long Term Disability Insurance Rates
Long Term Disability Exclusions

Metlife

The State Group Insurance Long Term Disability (LTD) and Short Term Disability (STD) Insurance plans are both managed by MetLife. Please call the MetLife State of Tennessee Dedicated Customer Service Line with questions: 855.700.8001, Mon.-Fri., 7 a.m.-10 p.m., Central time. Or visit, https://www.metlife.com/StateofTN

Higher Education employees should contact your agency benefits coordinator/HR representative at your institution for more information on Long Term Disability Insurance available to you.