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
OurteamhelpsyounavigateADArequirements
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.
Paid Leave Trends
We help you stay on top of PFML requirements by state no matter where you or your employees are located.
Helping Your Employees
MetLife is committed to providing tools on our Return to Health Innovation Hub that can help keep your workforce healthy and working.
There When You Need Us
As a leader in disability and leave management, we’re continually enhancing our offerings to meet the market’s ever-changing needs.
Did you know
66% of employees with disability insurance feel protected in the event of unexpected expenses and more confident in investing for their future.
