Baystate Financial Learning Center
Baystate Financial Market Watch
Baystate Financial Careers

Disability Income Insurance

Protect your most valuable asset – your income.

If you’re unable to work due to a sickness or injury, disability income insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability income insurance can help provide financial security until you get back on your feet and return to work.

Types of Disability Income Insurance

Short term disability insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Long term disability can replace a portion of your income after those initial weeks, for an extended period. You may have one or both of these through your employer. Many people also choose to purchase individual disability insurance on their own. Individual Disability Income Insurance can provide protection for people who do not have disability insurance available through their workplace or may be used to supplement group coverage through their workplace.

Insuring your income. Protecting your financial security.

Individual Disability Income insurance can replace a portion of lost income if you are unable to work due to sickness or injury. It can help you to meet your financial obligations and maintain your current lifestyle.

Some of the benefits of MetLife’s Individual Disability Income Insurance include:

  • Monthly Benefit Payments—After an initial waiting period, benefits are paid for each month you can’t work through the policy’s maximum benefit period
  • Noncancelable and Guaranteed Renewable Coverage Available* - Provided premiums are paid on time, MetLife cannot cancel or change your coverage or premium rates until the first premium due date on or after your 65th birthday.

MetLife offers several Individual Disability Income Insurance policies**:

  • OMNI Advantage: Our most comprehensive coverage, with income protection that can’t be cancelled and premiums that can’t be raised until you’re 65.
  • OMNI Essential: Income protection with guaranteed renewability until you’re 65.
  • Priority Plus: Lower cost initial coverage with premiums that increase annually.

Getting the right coverage starts with knowing how much you need. For most people, our quick and easy Disability Calculator can provide a good estimate:

Launch MetLife's Disability Insurance Calculator.


* Eligibility subject to underwriting approval

** Eligibility subject to underwriting approval. These policies are not available to California residents. MetLife has a similar disability income policy available in California.

Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.