All Products > Guaranteed Issue1 Long Term Disability Insurance
New members* within 90 days are eligible for guaranteed1 disability coverage with an easy application process.
Get started with MetLife Guaranteed Issue1 Long Term Disability Insurance plan:
Talk to a representative at USI Affinity at
1-855-874-0264

The MetLife Guaranteed Issue1 Long Term Disability Insurance Plan. If illness or injury prevented you from working, how well would you and your family do without a paycheck? If you are like most, it would be tough to support your lifestyle for any significant length of time.

Take advantage of our Guaranteed Issue1 Application process!

Plan at a Glance:
  • Apply for up to $2,000 per month.
  • A guaranteed1 process for new members who are age 64 and under who work full time (at least 30 hours per week).2
  • 60, 90, 180 or 365 day Elimination Period
  • 5 Year or Reducing Benefit Duration
  • Optional Benefit includes Cost of Living Option.3
Rates at a Glance:
Guaranteed Issue1 Long Term Disability Insurance
Rate Chart
Coverage Amount
  $500 $1,000 $2,000
< 30 $6.30 $12.60 $25.20
30-34 $7.80 $15.60 $31.20
35-39 $11.40 $22.80 $45.60
40-44 $17.40 $34.80 $69.60
45-49 $30.60 $61.20 $122.40
50-54 $48.30 $96.60 $193.20
55-59 $67.50 $135.00 $270.00
60-64 $52.80 $105.60 $211.20
Rates are unisex for smoker/non-smoker, and are based on 90 day, 5 year plan, without Cost of Living Option. All rates are displayed as semi-annual.

Learn more
Download our FAQ's and exclusions and limitations for more details on the Guaranteed Issue1 Long Term Disability Insurance plan.

Click here to print your enrollment form:
If you have any questions, please call us at 1-855-874-0264
Find Your Rate
Enter the information below to get your semi-annual rate
(All fields required)
Age
Waiting Period
Benefit Period
Coverage Amount
Optional Benefit: Cost of Living Option.3
Semi-annual = $XX.XX
Premium amounts for other payment frequencies:
Monthly = $XX.XX
Quarterly = $XX.XX
Annual = $XX.XX

PLEASE NOTE: The plan is available in all states except AK, ME, MT, NH, NM, OR, SD, and WA.

MetLife respects your privacy.
Administered by:
Underwritten by:
Start Protecting Your Future Today
Talk to a representative at USI Affinity about these MetLife products:
  • Term Life Insurance
  • Long Term Disability Insurance
  • Business Overhead Expense Insurance
  • Accidental Death and Dismemberment (AD&D) Insurance
  • Dental Insurance
  • Vision Insurance

1-855-874-0264