Disability
Disability
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Disability Coverage Summary
Should you become disabled due to a non-work-related injury or illness, the short-term disability benefit will replace a portion of your income. After 180 days of continued disability, the long-term disability (LTD) benefit becomes available, if the employee elects to enroll.
Download the MetLife Summary of Disability Benefits below.
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Short Term Disability
Jones will provide Short-Term Disability (STD) coverage through MetLife for employees at no cost. STD insurance provides a portion of your income if you are unable to work due to a covered illness or injury. STD benefits pay you 60% of your pre-disability earnings after a 7 day waiting period. Certain exclusions and limitations may apply.
Benefits 60% of covered weekly pre-disability pay Maximum Benefit $1,000 per week Benefit Begins after you have been disabled for 7 days Benefit Duration 25 weeks Earnings Definition Base Salary To view full Short-Term Disability Coverage, download certificate below.
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Long Term Disability
Jones offers all eligible employees Long-Term Disability insurance (LTD) for additional protection. Employees can elect and pay for LTD through payroll deduction. LTD insurance provides up to 60% of your income, up to $10,000 maximum benefit per month, if you become partially or totally disabled for an extended period of time.
You must be disabled for at least 180 days before you are eligible to receive LTD insurance payments. In most cases, LTD payments are provided during your disability up to age 65, or longer depending upon your initial age at disability. Certain exclusions and pre-existing condition limitations apply.
Benefits 60% of covered monthly pre-disability pay Maximum Benefit $10,000 Benefit Begins 181st day Benefit Duration For disabilities occurring before the age of 60, Social Security Normal Retirement Age (SSNRA) Pre-Existing Condition Limitation Yes To view full Long-Term Disability Coverage, download certificate below.
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How to Submit a Claim
Disability
Complete all applicable areas of the claim form. Please print clearly and sign at the bottom of the first page, as well as the Fraud Statement. Faxing this claim form will expedite receipt and eliminate your need to mail it.
Required Documentation
- The completed claims form
- If you are the Authorized Representative, include a copy of the legal document(s) authorizing you to act on the Employee/Claimant’s behalf.
Submission Instructions
- Mail: Metropolitan Life Insurance Company, P.O. Box 14590 Lexington, KY 40512
- Fax: 1-800-230-9531 (If faxing, please remember to fax both the front and back sides of the signed claim form. Allow two (2) hours for documents to be received
Customer Service
- Disability Claims – 800-300-4296
- Download the STD Claim Form below.