MetLife Disability

MetLife Disability

See What MetLife Disability And Our Insurance Brokerage System Has To Offer!

Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.

Medical Authorization/Disclosure of Information

Use the form to inform your physician (s) that MetLife will be administering your disability claim and give authorization to release your medical information to MetLife.

PDF Version (41k)

Attending Physician Statement

This form is used to gather medical information necessary for the ongoing management of disability claims. Have your physician complete this form when your case manager requests new/updated medical information.

PDF version (237k)

Health Care Provider Certification-FMLA

This form is used to gather medical information necessary for the ongoing management of Family and Medical Leave Act (FMLA) Claims. Have your physician complete this form after you file your claim.

PDF Version (193kb)

Electronic Funds Transfer (EFT) Authorization Form

Complete, sign and mail/fax this form to MetLife to authorize electronic funds transfers of your disability insurance payments directly to your bank. Please verify that your employer's plan offers electronic funds transfer for disability income benefit payments before submitting this form to MetLife.

PDF version (41k)

**How many times more likely are you to become disabled than die?**
Age	Male	Female
25	2.5	4.0
30	2.5	3.8
35	2.5	3.6
40	2.5	3.5
45	2.5	3.3
50	2.5	3.2
55	2.4	3.1
60	2.4	3.1

MetLife Investors USA
Address1	5 Park Plaza
Address2	Suite 1900
City	Irvine
State	CA
Zip	92614
Phone Number	800-255-9448
Fax Number	-
WebPage	www.metlifeinvestors.com

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance.

The established captive agent is usually paid exclusively on a commission basis. This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.