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

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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