If I sign up for Disability Insurance when will my coverage be effective?

  • If enrolled timely, as a newly eligible employee, coverage is effective on your eligibility date, if you are actively at work on the eligibility date. If you are not actively at work on the eligibility date, then coverage will be effective on the first day you return to active work. This means there is no coverage for a disability already in progress on your normal effective date.
  • If enrolled timely, with a Special Qualifying Event (within 60 days of the event date), you will be required to answer medical questions and coverage will be effective the later of first day of the calendar month following the date MetLife approves the medical request if approval is made by the 15th of the month, or the first day of the second calendar month following the date MetLife approves the medical request if approval is made on/after the 15th of the month, if you are actively at work on the effective date. If you are not actively at work on the effective date, then coverage will be effective on the first day you return to active work. This means there is no coverage for a disability already in progress on your normal effective date. 
  • If enrolled during the Annual Enrollment Period, you will be required to answer medical questions. If MetLife approves your coverage, coverage will be effective the later of: the first day of the calendar year following the Annual Enrollment Period, or the first day of the calendar month following the date MetLife approves the medical request if approval is made before the 15th of the month, or the first day of the second calendar month following the date MetLife approves the medical request if approval is made on/after the 15th of the month, if you are actively at work on the effective date. If you are not actively at work on the effective date, then coverage will be effective on the first day you return to active work. This means there is no coverage for a disability already in progress on your normal effective date.  

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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