Metlife- Voluntary Long Term Disability- Group or Direct Billed
- 60% Wage Replacement after 180 Day Waiting Period
- If you make under $100K elect option 1
| Option 1 | Option 2 | |
| Benefit Amount | 60% | |
| Max Monthly Benefit | $5,000.00 | $10,000.00 |
| Income Threshold | $100,000.00 | $200,000.00 |
| Elimination Period- Accident or Sickness | 180 Days | |
| Benefit Duration | Social Security National Retirement Age | |
| Rate Per $100 Covered Payroll | ||
| Less than 30 | 0.088 | 0.101 |
| 30-34 | 0.088 | 0.101 |
| 35-39 | 0.232 | 0.265 |
| 40-44 | 0.367 | 0.418 |
| 45-49 | 0.539 | 0.614 |
| 50-54 | 0.752 | 0.857 |
| 55-59 | 0.090 | 1.021 |
| 60-64 | 0.698 | 0.795 |
| 65+ | 0.316 | 0.360 |
| 45 Year Old $50K/$150K Example- Monthly | Cost $22.46 | $25.58 |