The District offers Short Term and Long Term Disability insurance through MetLife.Disability helps to supplement your income when you are unable to work due to a non-work related illness or injury. All regular employees working at least 20 hours or more per week are eligible to purchase this benefit.
For claim forms or questions, please contact Lisa Schoellermann in Insurance & Benefits at (239) 337-8638.
MetLife has provided the following information regarding disability. Please take a few minutes to review this information.
Short Term Disability
- Benefit - 60% of salary; paid weekly
- Maternity treated as any other illness*
- Benefit is offset by any sick leave benefits (including Work Compensation & Sick Leave Bank)
- Guarantee of coverage, if enrolled within 30 days of employment, otherwise, only during Open Enrollment and medical underwriting is required. As a result, coverage can be denied.
*Standard benefit for maternity is 6 weeks (2 weeks /14 days elimination/ waiting period; 4 weeks of paid benefit provided all sick leave has been exhausted.
Long Term Disability
- Benefit - 60% of salary; paid monthly
- Pre-existing condition clause –if treated for a particular illness/injury three months prior to the effective date of coverage, then that particular illness/injury will not be covered the first 12 months of coverage.
- Coverage is guaranteed if enrolling within 30 days of hire date. If enrolling during Open Enrollment, medical underwriting is required. As a result, coverage can be denied.
**Benefits will not extend beyond the longer of: Social Security Normal Retirement Age or Duration of Benefits below
*Maximum Period of Payment
|Age of Disability||Maximum Period of Payment|
|Age 61 or less||to age 65|
|Age 62||3 1/2 years of benefit|
|Age 63||3 years of benefit|
|Age 64||2 1/2 years of benefit|
|Age 65||2 years of benefit|
|Age 66||1 3/4 years of benefit|
|Age 67||1 1/2 years of benefit|
|Age 68||1 1/4 years of benefit|
|Age 69 and over||1 year of benefit|
This is a voluntary benefit and premiums are paid by the employee. The premiums are calculated based on the employee's salary and date of birth. They are deducted every paycheck, twice a month - 15th and the last day.