How do Long Term Disability Insurance payments work?

Once you meet the Elimination Period and are deemed disabled by MetLife, you will be eligible to receive monthly benefit payments once all Accrued Leave, Sick Leave and Compensatory Leave has been exhausted.  Benefit payments are issued on a rolling calendar month for the prior 30 day benefit period and can be issued via paper check and mailed to you at your address on file with MetLife.  Direct Deposit/EFT is also available and once enrolled, payments will be deposited into the designated bank account within 3 days of being issued.  The monthly benefit checks cannot be sent to your employer, a doctor, or hospital.

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