Group Long Term Disability Income Insurance

If illness or injury prevented you from working, how well would you and your family do without a paycheck? If you are like most, it would be tough to support your lifestyle for any significant length of time. Take advantage of the Standard Issue Plan or our One-Step Express to get coverage in place easily today.


Standard Issue:

  • Members under the age of 65 may apply for up to $12,000 per month in increments of $100
  • Pays full benefits if you're totally disabled due to sickness or injury and are unable to perform the substantial and material duties of your own occupation while receiving regular care from a licensed physician
  • 30, 60, 90, 180 or 365 day Waiting Period
  • 5 Year or “To age 65” benefit duration
  • Survivor benefit and Waiver of Premium included
  • Cost of Living Option available

Standard Issue Rate Chart:

Age Coverage Amount
  $3,000 $6,000 $12,000
30 $49.14 $98.28 $196.56
40 $134.46 $268.92 $537.84
50 $372.00 $744 $1,488.00

Rates are unisex and do not vary for smokers. Rates are shown for a semi-annual mode, 90 day waiting period, Reducing Benefit Duration without Cost of Living Adjustment benefit. Other ages and coverage amounts are available and rates will increase at five year intervals.

Click here to get a quote for Standard Issue coverage.


One-Step Express:

A quicker application process (with just 6 medical questions) for members age 54 and under who work full time (at least 30 hours per week).*

  • Apply for up to $6,000/mo. for those age 44 and under
  • Apply for up to $3,000/mo. for those age 45 - 54

Click here to get a quote for One-Step Express coverage.


* If answers are unfavorable, full underwriting may be required. Coverage is subject to approval of the insurer.

You must be a member of the American Bar Association to qualify for this insurance plan. Coverage may not be available in all states. Like most group insurance policies, MetLife insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Any such exclusions, reductions or limitations will be described in the insurance certificate, the terms of which govern MetLife’s provision of coverage. You may also call your plan administrator, USI Affinity today at (855) 874-0264 for additional information.

Group policy No. 160667-1-G issued by Metropolitan Life Insurance Company, New York, NY.

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Frequently Asked Questions

Standard Disability Insurance FAQ

One Step Express Disability Insurance FAQ