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MetLife's Long-Term Disability plan provides wage replacement for up to 24-months, of 60% of an individual’s earnings before a non-work-related injury or illness that impacts their ability to work, once a 180-day elimination period has been satisfied.

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Weekly Benefit 60%
Maximum Weekly Benefit $6,000
Minimum Benefit Monthly $100
Elimination Period 180 Days or until Short-Term Disability Ends
Benefit Duration 24 Months or Normal Social Security Retirement Age
Rehabilitation Incentives   Work Incentive
  Rehabilitation Program
  Family Care
  Moving Expense
Coverage & Rates shown are for the 2025/26 Plan Year, effective 7/1/2025 through 6/30/2026.
Age per $100 of Coverage
Group Paid 0.399
Less than 25 0.113
25 to 29 0.140
30 to 34 0.246
35 to 39 0.411
40 to 44 0.649
45 to 49 0.954
50 to 54 1.331
55 to 59 1.585
60 to 64 1.235
65 to 70 0.681
Older than 70 0.492

  Eligibility:
      For eligible active employee members only.
      Only available if Employer group allows this coverage to be offered.
  Opportunities:
      OPEH&W Initial Enrollment.
      OPEH&W Annual Open Enrollment.
      First Offering from OPEH&W.