MetLife disability insurance is available through workplaces, and it can provide coverage to employees who cannot work following an accident or illness. The short-term disability benefits are designed to protect an employee’s income if the employee cannot work. Short-term disability is designed for employees who suffer a sudden or unexpected illness or accident and need to seek income replacement benefits until they recover and return to work. According to MetLife, short-term disability benefits can be made weekly for anywhere from 3 months up to 1 year, depending upon the specific terms in your MetLife policy.
In order to be eligible to receive MetLife short-term disability, you will need to have an injury or illness that meets the definition of a disability under your employer’s specific disability plan. More specifically, according to MetLife, “some policies consider you disabled if, due to sickness or accidental injury, you’re unable to perform the duties of your own job or occupation, while others consider you disabled if you’re unable to perform the duties of any job or occupation taking into consideration your training, education, and experience.” And yet other policies may have different definitions beyond those two cited, and may “require that you are unable to earn a percentage of your pre-disability income because of injury or sickness.”