Disability & Absence Services
Easing the impact of absences on your business by keeping you and your employees on track and informed.
Administering disability, absence, or leave management programs can be challenging and time consuming for any business. Whether your company is large or small, count on us to deliver the right solution and minimize administration for your organization.
Our Products
Short Term Disability (STD)
If an employee is pregnant, injured, suffering from depression, or diagnosed with and illness, they may need financial support during work absences.
Long Term Disability (LTD)
Helps to maintain an employee’s standard of living while recovering from a chronic disability: muscle, joint or back problems, depression, and other issues.
PFML and Statutory Leaves
Paid Family & Medical Leave (PFML), Paid Family Leave (PFL), and temporary Disability Insurance (DI) programs can be state-mandated or voluntary depending on the state where employees work.
This coverage solution can help financially support employees when they can’t earn a paycheck due to a short-term situation. Employees receive weekly payments of a portion of their salary for three months to a year, depending on the policy. And, they have access to competitive group rates offered through your program.
Special Considerations:
If you have employees who work in a state with state-mandated disability or paid medical leave benefits (“State Benefits*”), they should carefully consider whether to enroll for this coverage. If employees are eligibe for State Benefits, they must apply if required by state law. If permitted, your employees’ STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your employees’ compensation, the amount of the State Benefit, and other factors, they may only receive the minimum weekly benefit. Your employees should consider, based on their individual circumstances, whether they need additional coverage beyond the State Benefit.
* These jurisdictions include, but may not be limited to, California, Colorado, Connecticut, District of Columbia, Hawaii, Massachusetts, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Washington (and Delaware and Minnesota as of 1/1/26, Maine as of 5/1/26, and Maryland as of 7/1/26).
With Long Term Disability, employees receive direct monthly payments of a portion of their salary (after the initial waiting period) to help them stay afloat and pay expenses if they find themselves out of work due to a chronic condition.
These programs allow workers to request a wage replacement benefit if they are sick, hurt, or unable to work due to a family matter. Bonding with a new child, caring for a sick family member, or addressing a qualifying military exigency are typically covered. However, qualifying leave reasons vary by state.
To see each state’s trends and laws, please visit the Paid Family and Medical Leave website at www.metlife.com/pfml. This website is a helpful resource because MetLife is committed to providing the most up-to-date information about new state-paid Family and Medical Leave and Disability Benefit programs to help employers stay compliant with state laws.
Our Services
Absence Management Solutions (AMS)
Keeping track of employee absences can be a challenge. MetLife makes the process easy for your employees and eases the impact on your workload.
ADA Workforce Solutions
Our team helps you navigate reasonable accommodations associated with the American Disabilities Act (ADA) and Pregnant Workers Fairness Act (PWFA) and mitigate compliance risk, while also helping your employees stay at work or return to work as productive members of your team.
Wellbeing Programs
Wellbeing programs and services can help reduce absenteeism, increase productivity and moderate the financial impact of your benefits costs.
With our comprehensive disability and absence solutions, you and your employees feel confident and covered.
- Federal Family and Medical Leave Act (FMLA)
- Certain State Family and Medical Leave Laws
- Certain Non-FML State Leave Laws
- Company Sponsored Leaves
Managing employee accommodation requests can be complex and confusing. We’re here to help.
Options available include:
- TELUS Health Cognitive Behavioral Therapy1 - personalized online therapy, and licensed therapists telephonically when needed, to help with anxiety, depression, and many other mental health challenges as well as addiction concerns
- TELUS Health Employee Assistance Program2 – a confidential counseling and referral service that assists employees and their immediate family members with overall health, emotional wellbeing, legal and financial matters, and other life issues.
- Lyra Health3 - personalized care covering a full range of mental health needs; employees choose how and where to meet (in-person, via live messaging, onsite care options, or by digital videos and exercises).
Paid Leave Trends
We help you stay on top of PFML requirements by state no matter where you or your employees are located.
Helping Your Employees
MetLife is committed to providing tools on our Return to Health Innovation Hub that can help keep your workforce healthy and working.
There When You Need Us
As a leader in disability and leave management, we’re continually enhancing our offerings to meet the market’s ever-changing needs.
