How long can I receive benefits under Short Term Disability Insurance?

The Maximum Benefit Period for Short Term Disability is 26 weeks and begins on the benefit start date, which is the day after you satisfy the Elimination Period of either 14 days or 30 days.  Please note – because every disability is different, not every disability may last for the Maximum Benefit Period.  

For example, some disabilities, such as pregnancy, often have a defined benefit period of six to eight weeks unless there are complications. However, if you break a bone, for example, MetLife will work with your doctor and employer to determine your benefit period. The length of the benefit period depends on your disability, and every disability is different.

The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.   

Have more questions? Submit a request