Insurance & Benefits
Disability

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MMA and MetLife have carefully designed each insurance program to specifically meet the needs of MMA members. Many are not prepared for the economic effect a disability can cause:

• 80 percent of U. S. workers will exhaust their savings in only two months without the ability to earn an income
• Half of all 30-year-olds in the United States may suffer at least one disability of 90 days or more before the age of 65
• Before age 65, if a disability lasts 90 days, it is expected to continue to an average of two and half years.

Short Term Disability plans provide weekly benefits of a percentage of an employee’s pre-disability earnings when an injury or illness prevents the employee from performing the duties of his or her job. (This coverage can be purchased on a stand-alone basis for groups with 10 or more employees).

What’s available:

• Insurance schedule
• Percent of basic weekly salary
• Benefit percentage
• 60 percent
• 66 2/3 percent
• Maximum weekly benefit
• $100-$1,000
• Waiting period
• 0 days for injury
• 7 days for sickness
• Underwriting
• Medically underwritten for less than 10 employees
• Partial disability
• Included

Long Term Disability plans provide monthly income benefits of a percentage of an employee’s pre-disability earnings due to lost income during an extended period of disability. (This coverage can be purchased on a stand-alone basis for groups with 10 or more employees.)

What’s available:

• Benefit percentage
• 60 percent
• 66 2/3 percent
• Maximum monthly benefit
• $3,000-$6,000
• Minimum monthly benefit
• $50
• Elimination period
• 90 days
• 180 days
• Underwriting
• Medically underwritten for less than 10 employees

Special features:

• MetLife helps keep disability costs to a minimum and assists employees in obtaining the Social Security benefits to which they are entitled. This way, employees receive their maximum benefit while keeping your costs as low as possible.
• Work Incentive allows replacement of up to 100 percent of pre-disability earnings plus other benefits. This feature encourages employees to return to work sooner and helps reduce your disability costs.
• MMA Service Corporation offers local billing and administration by dedicated account representatives. The account representatives are there to service all of your needs and, by working closely with you, can respond to your needs quickly. Account representatives can be reached at 800-842-6513.
• Local MMA-dedicated MetLife underwriters evaluate the risk and have the authority to issue a risk acceptance letter once the required information has been obtained. This flexibility and commitment enables our team to provide the timely service you require. Underwriters can be reached at 800-645-2371.

For more information, please contact MMA Insurance & Benefits at 800-842-6513.