Long Term Disability
Kennesaw State University offers Long Term Disability insurance through Metlife. Long
Term Disability provides you with income replacement should you become disabled for
an extended period of time.
Long Term Disability Benefits
The Long Term Disability plan is designed to replace a portion of your pay when you
are disabled. Benefits begin after a waiting period of 90 days and continue as long
as you are disabled up to your Social Security Retirement Age. If your claim is approved,
Metlife will provide a monthly benefit of 60% of your pre-disability wages up to a
maximum monthly benefits of $15,000. To apply for Long Term Disability benefits, you
must call Metlife at 1-866-832-5759. Review the Metlife How to File a Claim flyer for details on the imformation you will need and how the process works. Metlife
approves and denies all claims.
If you receive benefits under other disability plans including Social Security and/or
Retirement, the Long Term Disability benefit will be reduced by the amount received
under those plans.
Your disability premiums are deducted after-tax so the benefit you receive will not
Definition of Disability
An Employee, because of Injury or Sickness, is unable to perform all of the material
and substantial duties of his own occupation and is not engaged in any occupation
for wage or profit.
The loss of a professional or occupational license or the inability to obtain or qualify
for a license for any reason does not, in itself, constitute Total Disability.
You may not be eligible for LTD benefits for 12 months if you received treatment for
a condition within three months of when your disability coverage beings. There is
no proof of good health requirement for this benefit.
Monthly Rate Calculation
Cost: $0.258 per $100 of covered salary
Example: Annual Salary = $30,000
Divide Annual Salary by 12 for monthly coverage: $30,000 / 12 = $2,500
Multiply by the rate $0.00258 for your monthly premium: $2,500 * $0.00258 = $6.45