How long can I receive benefits under Long Term Disability Insurance?

If you are under age 65 on your date of disability, the Benefit Period may last up to your Social Security Normal Retirement Age. If you are age 65 or older on the date of disability, your maximum Benefit Period is as follows:

  • Age 65 24 months
  • Age 66 21 months
  • Age 67 18 months
  • Age 68 15 months
  • Age 69 & over 12 months

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, which starts on the day after the Elimination Period has been satisfied, 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 so your claim may not last for the entire Benefit Period.

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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