All Products > Standard Issue Long Term Disability Insurance
Long Term Disability Insurance can help preserve your lifestyle if you suddenly cannot work due to a covered disability.
Get started with MetLife Standard Issue Long Term Disability Insurance:
Talk to a representative at USI Affinity at
1-855-874-0264

The MetLife Standard Issue Long Term Disability Insurance plan can help protect your most valuable asset - your ability to earn an income. It can provide a monthly income should you become totally disabled and unable to work at your own occupation.

Plan at a Glance:
  • Members* under the age of 65 may apply for up to $12,000 per month.
  • Pays full benefits if you're totally disabled due to sickness or injury and are unable to perform the substantial and material duties of your own occupation while receiving regular care from a licensed physician.
  • 60, 90, 180 or 365 day Waiting Period
  • 5 Year or Reducing Benefit Duration
  • Benefit includes Optional Cost of Living Option1
Rates at a Glance:
Standard Issue Long Term Disability Insurance
Rate Chart
Coverage Amount
  $5,000 $10,000 $12,000
< 30 $63.00 $126.00 $151.20
30-34 $78.00 $156.00 $187.20
35-39 $114.00 $228.00 $273.60
40-44 $174.00 $348.00 $417.60
45-49 $306.00 $612.00 $734.40
50-54 $483.00 $966.00 $1159.20
55-59 $675.00 $1350.00 $1620.00
60-64 $528.00 $1056.00 $1267.20
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 Standard Issue Long Term Disability Insurance.
Get started today:
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.1
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

*Coverage is available for members up to the age of 64
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