If I sign up for Disability Insurance when will my coverage be effective?

·       If enrolled timely, as a newly eligible employee, coverage is effective on your eligibility date.

·       If enrolled timely, with a Special Qualifying Event (within 60 days of the event date), you will be required to answer medical questions and coverage will be effective the later of the first day of the calendar month following the date MetLife approves the medical request if approval is made before the 15th of the month, or the first day of the second calendar month following the date MetLife approves the medical request if approval is made on/after the 15th of the month .

·       If enrolled during the  Annual Enrollment Period, you will be required to answer medical questions. If MetLife’s approves your coverage, coverage will be effective the later of: the first day of the calendar year following the Annual Enrollment Period, or the first day of the calendar month following the date MetLife approves the medical request if approval is made before the 15th of the month, or the first day of the second calendar month following the date MetLife approves the medical request if approval is made on/after the 15th of the month.  

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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