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 be taxed.
 
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.
 
Pre-existing Conditions
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

Resources

Metlife Customer Service1-866-832-5759
Hours: M-F 8:00am-11:00pm EST
www.mybenefits.metlife.com

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