When will I receive my disability benefit payment?

Short Term Disability benefits are issued weekly. MetLife will process claims within five (5) business days of receiving all required information. Once an approval decision is rendered by MetLife and you satisfy the Elimination Period and no longer have Accrued Annual Leave, Sick Leave, and Compensatory Leave, benefit payments will be issued weekly each Tuesday for the prior week’s benefit period. Payments are issued via paper check and mailed to you at your address on file with MetLife. Direct Deposit/EFT is also available and once registered, payments will be deposited into the designated bank account within three (3) business days of being issued. The weekly benefit checks cannot be sent to your employer, a doctor, or hospital.

Long Term Disability benefits are issued monthly based on a 30 day rolling calendar month which begins on the benefit start date. MetLife will process claims within five (5) business days of receiving all required information. Once an approval decision is rendered by MetLife and you satisfy the Elimination Period and no longer have Accrued Annual Leave, Sick Leave, and Compensatory Leave, and have exhausted your short term disability benefits, if any, benefit payments will be issued monthly and are for the prior 30 day period of disability. Therefore, benefit payments are not issued on the same day each month for all LTD claimants. Payments are issued via paper check and mailed to you at your address on file with MetLife. Direct Deposit/EFT is also available and once registered, payments will be deposited into the designated bank account within three (3) business days of being issued. The monthly benefit checks cannot be sent to your employer, a doctor, or hospital.

Please note that Long Term Disability Insurance (LTD) FAQs are for State employees only. 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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