Monthly payments may last up to your Social Security Normal Retirement Age after you satisfy the Elimination Period. If you are 65 or older on the date of disability, your maximum benefit period is as follows:
Age 65 24 months
Age 66 21 months
Age 67 18 months
Age 68 15 months
Age 69 & over 12 months
Please note – every disability is different. Not every disability may last for the Maximum Benefit Period. MetLife will determine your benefit period based on your medical and other information. The length of the benefit period depends on your disability.
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.
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