Am I required to enroll in the Short Term Disability plan?

No. However, if you think that enrolling in the STD plan may be an option you will consider later, be aware of the following.


If you do not enroll during the 2017 Annual Enrollment Period, you cannot enroll until 2018’s Annual Enrollment Period, except in cases of a Special Qualifying Event. During 2018’s annual Enrollment, you must answer questions about your health and submit Proof of Good Health to MetLife to be covered.


Here are two examples that will show you how 2017 will differ from future enrollment periods:


Example 1: Employee is currently pregnant and elects Short Term Disability Insurance during the 2017 Annual Enrollment Period. She can enroll in short term disability insurance. When her baby is born, she is eligible for Short Term Disability benefits.

Example 2: Employee is currently pregnant and waived coverage during the 2017 Annual Enrollment Period. She now wants to enroll during a future Annual Enrollment Period. She would need to submit an application to MetLife to be reviewed for medical evidence of insurability (EOI). A question on the EOI form is ‘Are you now pregnant?’ Since she would answer ‘yes’ to this question, her EOI would be denied and therefore she would not be allowed to enroll for STD or LTD coverage.

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