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 begins. For more
information, contact MetLife or refer to the Short Term and Long Term Disability Summary. There is no proof of good health requirement for this benefit.
Monthly Rate Calculation
You pay for Long Term Disability coverage with after-tax dollars. Visit USG Disability at-a-glance for details.
How to initiate a claim for benefits
Sign in to MyBenefits now.
Make sure to have the following information available:
- Your contact information
- Disability details
- Physician contact information
A MetLife Claims specialist will be in touch within 1-2 business days to confirm next
steps
*Online claim submissions are not available to all groups. Please call 888-608-6665
if you are not eligible to file online.
Resources
Metlife Customer Service: 1-866-832-5759
Hours: M-F 8:00am-11:00pm EST
www.mybenefits.metlife.com
