Can I enroll for both Short Term Disability and Long Term Disability? How does this work?

Yes, you may enroll in both Short Term Disability (STD) insurance and/or Long Term Disability (LTD) insurance. Your LTD benefits, if enrolled, begin after your STD benefits have been exhausted and your LTD Elimination Period is satisfied. If you are enrolled in both STD and LTD, MetLife will work with you when and if you need to transition from STD to LTD.

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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