The maximum benefit period for short term disability is 26 weeks and begins on the benefit start date, which is the day after you satisfy the elimination period of either 14 days or 30 days. Please note – because every disability is different, not every disability may last for the entire maximum benefit period.
MetLife will use information submitted by your treating physician to determine your approvable disability period. The disability period is the period of time the claimant is deemed disabled per the plan definition. The disability period begins on the date of disability and includes the elimination period and the benefit period. Benefits are only payable during the benefit period and only after the claimant has exhausted all accrued paid leave. The length of the disability period and benefit period depends on your specific disability, and every disability is different.
Please note that the long term disability insurance FAQs are for state employees only. The state of Tennessee 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.