How does disability coverage work?

Disability insurance covers a portion of your income in the case you need to miss work due to injury or sickness. This benefit can help ease your concerns of financial hardship in case of an accident, sickness or pregnancy, and can help you and your family through a time of need.

Justworks currently offers multiple disability policies through MetLife. We offer both company-paid and employee-paid options. To learn more about company-paid options, also known as noncontributory options, keep reading. To learn about employee-paid options, please visit: voluntary short-term disability and voluntary long-term disability.

What are the noncontributory disability options offered by Justworks?

Noncontributory short-term disability options:

Option 1:

  • Waiting period: 7 days

  • Coverage: 50% of pre-disability earnings, up to $1000 per week

  • Cost: $0.20 per $10 of covered benefit (max monthly cost of $20.00 per employee)

Option 2:

  • Waiting period: 7 days

  • Coverage: 60% of pre-disability earnings, up to $1500 per week

  • Cost: $0.21 per $10 of covered benefit (max monthly cost of $31.50 per employee)

Noncontributory long-term disability options:

Option 1:

  • Elimination period: 180 days

  • Coverage: 60% of monthly pre-disability earnings, up to $5,000 per month

  • Cost: $0.40 per $100 of covered payroll (max monthly cost of $33.33 per employee)

Option 2:

  • Elimination period: 180 days

  • Coverage: 60% of monthly pre-disability earnings, up to $10,000 per month

  • Cost: $0.559 per $100 of covered payroll (max monthly cost of $93.17 per employee)

As an administrator for my company, how do I know how much these benefits will cost?

The cost for this benefit based on each individual's salary. If you are an employer trying to estimate how much it would cost to offer this to your employees, please reach out to our support team and we can give you a cost estimate specific to your company.

If you are an employee, please note that these benefits are 100% company-paid and therefore will not cost you anything. If you are looking to learn more about employee-paid options, please  visit: voluntary short-term disability and voluntary long-term disability

As an administrator for my company, how do I sign up to offer these benefits?

You can sign up to offer these benefits by visiting your company's benefit center and navigating to the 'Offer more benefits' tab. There, you should find a link to a sign up page for both of these offerings.

As an employee, am I eligible for noncontributory short-term and long-term disability coverage?

If your company currently offers one or both of these policies, you will be eligible if you are a full-time employee or if you work over (30) hours per week. If you qualify for this benefit, the policy will be automatically extended to you and you should be able to view it in your benefits center.

How long do these benefits last?

Noncontributory short-term disability policies:

This benefit will begin at the end of the elimination period of seven days and continue for the maximum duration of 26 week(s).

These benefits may end sooner depending on your circumstance though. Here are the different circumstances that might change the benefit end date:

  • End of the maximum benefit period of 26 weeks

  • The date the employee is no longer disabled

  • The date the employee passes away

  • The date the employee ceases or refuses to participate in the rehabilitation program required

  • The date the employee fails to have a medical exam as requested

  • The date the employee fails to provide required proof of continuing disability

If your company terminates the insurance, your benefits will not be affected.

Noncontributory long-term disability policies:

This benefit will begin at the end of the elimination period of 180 days and continue for a varying range, depending on your age at the time of disability. For more detailed information, you can visit your certificate of coverage in your benefits center or reach out to our support team.

How do I file a claim?

To file an initial claim for insurance benefits, both the notice of claim and the required proof needs to be sent to MetLife within 30 days after the end of the elimination period. This means that if you are filing a short-term claim, you will have 30 days after the 7-day elimination period. If you are filing a long-term claim, you will have 30 days after the 180-day elimination period.

Notice of claim and proof may also be given to MetLife by following the steps set forth below:

Step 1:  A claimant may give MetLife notice by calling MetLife at the toll-free number shown in the Certificate Face Page (1-800-275-4638) within 20 days of the date of a loss.

Step 2:  MetLife will send a claim form to the claimant and explain how to complete it. The claimant should receive the claim form within 15 days of giving MetLife notice of claim.

Step 3:  When the claimant receives the claim form, the claimant should fill it out as instructed and return it with the required proof described in the claim form. If the claimant does not receive a claim form within 15 days after giving Justworks notice of claim, proof may be sent using any form sufficient to provide Justworks with the required proof.

Disclaimer

This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, legal or tax advice. If you have any legal or tax questions regarding this content or related issues, then you should consult with your professional legal or tax advisor.

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