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
Your plan’s maximum benefit period is dependent on your age on your date of disability. Monthly payments may last to a maximum benefit period of age 65, or 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: Age 66: Age 67: Age 68: Age 69 & over: 24 months 21 months 18 months 15 months 12 months
Additional FAQs can be found on the disability microsite at https://www.metlife.com/info/stateoftn/disability/state/benefits/faq/