When MetLife receives a claim for a pregnancy diagnosis, they will review the details to determine the appropriate approval Disability Period for both ante-partum (prior to delivery) and post-partum (after delivery) following the below guidelines:
Normal Vaginal Delivery is approvable for 6 weeks from and including actual delivery date. Cesarean Delivery (C-Section) is approvable for 8 weeks from and including actual delivery date. If you require additional time beyond the standard 6 or 8 weeks post-partum (after delivery), then detailed medical documentation must be submitted to MetLife. A pregnancy claim is also approvable for up to 2 weeks ante-partum (prior to delivery) which does not require that detailed medical documentation be submitted. However, if your first day absent exceeds the delivery date by more than 2 weeks ante-partum (prior to delivery), then detailed medical documentation must be submitted to MetLife.
See more Pregnancy FAQs here.
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.