Short-Term and Long-Term Disability
Short-Term Disability (STD) is an optional benefit that replaces a portion of your Metro pay for up to 180 days if you become disabled by an injury, illness, or medical condition – including pregnancy and mental illness – cannot work and suffer a loss of income. After a seven day waiting period, benefits are payable at 60% of your weekly earnings up to a maximum weekly benefit of $1,250. If you do not enroll in STD within 60 days of becoming eligible (at new hire or benefits eligibility), you will be subject to the following late enrollment penalty: If you file a claim for anything other than an accidental injury during the first 12 months of coverage, benefits will become payable after you have been continuously disabled for 60 consecutive days and remain disabled.
Long-Term Disability (LTD) is an optional benefit that replaces a portion of your Metro pay if you become disabled by an injury, illness, or medical condition and cannot work. After a 180-day waiting period (typically after short-term disability benefits end), benefits are payable at 50% of your monthly earnings up to a maximum monthly benefit of $7,500. If you do not enroll in LTD benefits within 60 days of becoming eligible, proof of your good health will be required to enroll. If you have a pre-existing condition in the 90 days before you enroll, you may not be eligible for benefits for that condition for 12 months after the effective date of your coverage. After 12 months of coverage, the pre-existing condition is waived.
The Standard Insurance
Short-Term Disability Certificate
Long-Term Disability Certificate