There are four benefit options from which to choose. Central state government and state higher education employees are automatically enrolled in option 3 with premiums fully paid by their employer:
Option 1: Pays 60% of your pre-disability salary, up to a maximum of $7,500 per month with an Elimination Period of 90 days.
Option 2: Pays 60% of your pre-disability salary, up to a maximum of $7,500 per month with an elimination period of 180 days.
Option 3: Pays 63% of your pre-disability salary, up to a maximum of $10,000 per month with an elimination period of 90 days. Note: Benefits received will be reported as taxable income for central state government and state higher education employees because premiums are paid for by their employer.
Option 4: Pays 63% of your pre-disability salary, up to a maximum of $10,000 per month with an elimination period of 180 days.
Example: A person’s pre-disability earnings are $60,000. Divide by 12 (months) and then multiply by the benefit percentage for the plan, either 60% or 63%, to find your monthly benefit amount.
$60,000 / 12 x .63 = $3,150.00 per month of long-term disability benefit
Additional FAQs can be found on the disability microsite at: https://www.metlife.com/info/stateoftn/disability/state/benefits/faq/