Disability Income Insurance

Disability Income Insurance is critical to relieve the burden of loss of livelihood, business, and assets in the event of a disability. Having disability income insurance provides you benefits that can be used to cover daily living expenses, relieving some of the stress that comes with being disabled. Disability insurance is attractive to individuals who want to protect their assets and employers who want the competitive edge.

For additional information regarding Disability Income Insurance, please visit halfapaycheck.com.

Like most insurance policies, MetLife Disability Income policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force.  We will be glad to provide you with costs and complete details.

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 68%, depending on the policy.  This ratio is the portion of future premiums, which the issuing insurance company expects to return as benefits, when averaged over all people with the applicable policy.