Disability Insurance
The state offers short-term disability and long-term disability insurance to full-time higher education employees through MetLife. Please call the MetLife state of Tennessee dedicated customer service line with questions: 855.700.8001, Mon.-Fri., 7 a.m. to 10 p.m., CT, or visit, https://www.metlife.com/stateoftn/
Disability insurance pays you a percentage of your salary if you can’t work due to sickness, pregnancy or as the direct result of accidental injury.
All accrued sick leave, annual leave, compensatory time and paid parental leave must be used before disability insurance benefits are payable.
Please view the MetLife Short-term and Long-term Disability Handbook (PDF) and find answers to frequently asked questions here, including information about disability due to pregnancy (PDF).
The STD plan replaces 60% of your income for up to 13 weeks during an approved disability and has a waiting period of 14 days. Employees pay the full monthly premium if they choose to enroll.
How much does it cost?
Are there any limitations on the coverage?
Yes, there are exclusions to the short term disability coverage (PDF). Additional limitations my be listed on your Certificate of Insurance.
LTD replaces a portion of your income during a disability that is expected to last more than 90 days.
The state pays 100% of the LTD plan premiums for higher education employees.
This is guaranteed-issue coverage and employees don’t have to answer medical questions.
Approved benefits pay 63% of your covered monthly salary, up to $10,000 per month after a 90-day waiting period.
*The maximum covered monthly salary is $15,873.02.
Benefits received are considered taxable income and will appear on your W-2 because the premiums are paid by your employer.
Are there any limitations on the coverage?
Yes, there are exclusions to the long term disability coverage (PDF). Additional limitations my be listed on your Certificate of Insurance.