Disability Plans
Aspen offers employers both short-term and long-term disability benefit plans for their eligible employees.
Short-Term Disability (STD) and Long-Term Disability (LTD)
The STD plan is designed to provide income replacement if you are unable to work due to injury or illness, including pregnancy.
The LTD plan is designed to provide income replacement if you are unable to work for a period longer than 180 days, due to injury or illness.
These employer-funded options require 100% participation and come with a gross-up feature that will tax employees on the employer-paid premiums. By paying the tax up front, any benefits you receive will become tax free.
Please reach out to AspenHR if you have further questions.
Supplemental Disability Coverage
The STD and LTD plans offer additional supplemental/voluntary coverage if you feel you need additional protection. The new voluntary option is now available for employers who want to offer disability plans, but on a voluntary basis to their employees.
Contact MetLife
- Phone: 800-858-6506
- Website: metlife.com
- Group Number: 230503
2023-2024 MetLife Disability Documents
Employer-Paid Options
- STD $1,500 Max. Benefit Summary
- STD $1,500 Max. Certificate of Coverage
- STD $2,308 Max. Benefit Summary
- STD $2,308 Max. Certificate of Coverage
- STD $3,000 Max. Benefit Summary
- STD $3,000 Max. Certificate of Coverage
- LTD $6,000 Max. Benefit Summary
- LTD $6,000 Max. Certificate of Coverage
- LTD $13,000 Max. Benefit Summary
- LTD $13,000 Max. Certificate of Coverage
Voluntary Options
- STD $3,000 Max. Benefit Summary
- STD $3,000 Max. Certificate of Coverage
- LTD $10,000 Max. Benefit Summary
- LTD $10,000 Max. Certificate of Coverage
Statutory Disability
- New York: MetLife Statutory Leave Benefit Guide
- New York: MetLife Paid Leave Annual Notice
- New York: MetLife Paid Family Leave Employee FAQs
- New York: MetLife Disability Benefits Law and Paid Family Leave Employer FAQs
- Hawaii: Pacific Guardian Temporary Disability Insurance Overview
- Hawaii: Pacific Guardian Temporary Disability Insurance Brochure
- Hawaii: Pacific Guardian TDI Claims Instructions
- Hawaii: Pacific Guardian TDI Claim Form
- For more information about the state programs click here.
Administration
Questions? Contact Benefits@AspenHR.com