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Life can be unpredictable, but your financial security doesn’t have to be. Supplemental Long-Term Disability (LTD) insurance provides an extra layer of protection beyond Microsoft’s group LTD benefit—helping you safeguard your income in case of a long-term illness or injury.
If you’re a U.S. benefits-eligible employee at Microsoft and actively at work, you can enroll in the MetLife Supplemental LTD plan during the annual enrollment window in the spring. If you’re on leave, you can sign up at the next enrollment window after you return to work.
This is an optional benefit offered by Microsoft where you can elect to purchase Supplemental LTD coverage for yourself. Microsoft’s group LTD plan offers comprehensive coverage, paying up to 60% of your base salary, average commissions, and bonuses, with a maximum monthly benefit of $15,000. If your total earnings exceed $300,000, this may be less than 60% of your actual income.
With Supplemental LTD, you can extend your coverage to include stock awards and increase your income protection up to 70%—for a total combined benefit of up to $35,000 per month.
Benefits of Supplemental LTD Insurance:
Portable coverage – If you leave Microsoft, you can keep your Supplemental LTD policy at the same discounted rate (which is 35% off MetLife’s standard premiums).
Tax-free benefits – Since premiums are paid with after-tax dollars, any claim payments are federal tax-free.
Guaranteed issue enrollment – During your one-time initial enrollment, no medical questions are required if you’re actively at work.
Annual increase opportunity – As your compensation grows, you can increase your benefit amount each year during the enrollment period.
Supplemental LTD enrollment takes place each spring. If you miss your initial enrollment period, you’ll need to wait until the next annual enrollment window and may need to provide full evidence of insurability.
During the enrollment window, you’ll enroll in a fixed monthly benefit based on your eligible compensation at Microsoft. This amount remains constant and won’t adjust at the time of claim.
The policy remains in force as long as you pay your premiums. Benefits are payable up to age 67 (or longer of disability occurs after age 63). For policies issued in California, Florida, Maryland, Ohio, and Vermont, benefits are payable to up to age 65 (or longer if disability occurs after age 61 at maximum).
Like most disability income insurance policies, MetLife's policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details.
All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval.
These policies provide disability income insurance only. For policies issued in New York, 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 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.