Disability & Absence Services

MetLife delivers streamlined, responsive care for all types of work leaves and may help your employees protect their income.

Administering disability, absence, or leave management programs can be challenging and time consuming for any business. Whether your company is large or small, count on us to deliver the right solution and minimize administration for your organization.

Our Products

Short Term Disability (STD)

Employees need financial support when absent from work due to pregnancy, injury, recovery from surgery, or prolonged illness.

Long Term Disability (LTD)

Helps employees maintain their standard of living while recovering from a chronic disability

Statutory Disability and PFML

Helps provide income protection in states where disability/medical and/or paid family leave coverage is state mandated.

LTD Reserve Buy-Outs

The liabilities and administrative duties associated with long-term disability plans can be taxing, but we can help

Worksite STD

We offer competitively priced coverage options so employees can choose a solution that complements their needs and finances.

If an employee is temporarily disabled and cannot work for a short period of time, short-term disability benefits and provisions may help offer meaningful financial protection and income continuation.

Insurance may help replace part of the employee’s income and maximizes workforce productivity with the knowledge of a potential financial safety net. It features:

Flexible plan features that are customizable to be standalone or complementary
Return to work and rehabilitation incentives

Long-term disability insurance is supported by a compassionate team and focuses on getting employees back to work when they are medically able to do so.

LTD usually begins when short-term disability coverage ends, and coverage can last for a varying period of time. It features:

Significant return to work and rehabilitation incentives
Flexible contract options and provisions, so that plans are tailored to your employees and their needs

State Paid Medical Leave allows an employee to request time off from work due to family or medical situations. Events that trigger State Paid Family and Medical Leave protection may include:

When an employee has a serious health condition that prevents them from working
When an employee welcomes the arrival of a new child in the family
When the employee needs leave due to a covered event, such as caring for a family member with a serious health condition or military exigency

RBO

Satisfy financial accounting requirements
Reduce hidden costs of self-funded LTD claims
Direct more focus on your business while our experts manage work absences and disability claims

Short-term disability

Offering the benefit through an effective worksite enrollment solution provides a turn-key way for employees to understand and get the income protection they need.

Our Services

Absence Management Solutions (AMS)

Keeping track of employee absences can be a challenge. MetLife makes the process easy for your employees and eases the impact

ADA Workforce Solutions

Our team helps you navigate ADA requirements and mitigate compliance risks, whiles also helping your employees stay at work

Wellbeing Programs

Wellbeing programs and services can help reduce absenteeism

With our comprehensive disability and absence solutions, you and your employees feel confident and covered.

Federal Family and Medical Leave Act (FMLA)
Certain State Family and Medical Leave Laws
Certain Non-FML State Leave Laws
Company Sponsored Leaves

Managing employee requests under the ADA (Americans with Disabilities Act) can be complex and confusing.

To help manage ADA, we offer

Employee Assistance Program

Return to Work: We are committed to helping our customers support their employees’ return to health and transition back to the workplace after a leave of absence or disability. MetLife will partner with you and your employees to develop or enhance your organization’s return to work best practices.

Learn more