MTD insurance helps provide additional financial protection if you become
disabled due to a covered illness or injury. In an effort to make sure your
benefit program is comprehensive and responsive to your needs, MTD coverage is
provided by MCCCD at no cost to you.
The benefit you receive depends on your annual salary at the time you were
disabled. When combined with other sources of benefits and income, such as, but
not limited to Social Security, etc. your MTD insurance may provide disability
income benefits of up to 66 2/3% of your base salary, to a maximum monthly
benefit of $4,000.
You may be eligible to receive monthly benefit payments after ninety (90) days
of disability or after all accrued time is exhausted, whichever is later. As
long as you are still disabled, payments will continue until 180 days have
passed since the start of your disability. A complete list of limitation and
exclusions are provided in your Certificate of Insurance.
To File For This Benefit
If you elected short-term disability, filed a disability claim and have been
approved, the continuation to mid-term disability is a seamless process. You
need only to contact MetLife at 800-858-6506 to continue your benefits for
mid-term disability.
If you did not elect short-term disability or were not approved for a claim
submitted, you must call MetLife’s Telephonic Disability Reporting service to
file an MTD claim. Simply call the MetLife Customer Response Center to initiate
your claim for disability benefits.
