Disability-State and Higher Education Only
Please note that the following 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.
- Will using days from the “Sick Leave Bank” impact my LTD benefit payment?
- How does Short Term Disability work with FMLA?
- How does Long Term Disability work with FMLA?
- What happens to my disability insurance coverage if I quit (lose) my job?
- When can I cancel or change my Short Term and Long Term Disability coverage?
- What happens if I die while I am disabled?
- Can my spouse sign up for Short Term or Long Term Disability insurance?
- Are there any exclusions to my Disability Insurance coverage?
- Are there any limitations to my Disability Insurance coverage?
- How long can I receive benefits under Long Term Disability Insurance?
- For Short Term Disability Insurance, are there any exclusions for Pre-Existing Conditions?
- For Long Term Disability Insurance, are there any exclusions for Pre-Existing Conditions?
- Can I enroll for both Short Term Disability and Long Term Disability? How does this work?
- What are the rules of enrollment for newly eligible employees (new hire or transfer)?
- If I sign up for Disability Insurance when will my coverage be effective?
- Do I have to pay through payroll deductions?
- I am interested in Disability Insurance. How do I enroll in coverage?
- I enrolled for disability insurance and I think I have become disabled, what do I need to do?
- How do I file a claim?
- What information will I need to provide to MetLife when submitting a disability claim?
- Who decides if I am disabled?
- What happens if my request for Short Term and/or Long Term Disability benefit is denied? Is there an appeal process?
- How will Short Term and Long Term Disability be listed on the timesheet?
- Will leave time or service credits continue to accrue while on Short Term or Long Term Disability?
- How does MetLife’s Rehabilitation Program help employees return to work safely and effectively?
- What if I am unable to contact MetLife to report my claim?
- How does MetLife manage my Short Term Disability claim for a pregnancy diagnosis?
- Short Term Disability Examples