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Unless you're independently wealthy, you and your family count on your income to help pay for living expenses such as food, clothing, mortgage, transportation, insurance, medical care, and so on. Realistically, you need insurance to help protect you against the financial effects of a disabling illness or injury as much as you need life, homeowner's, auto and any other types of insurance...maybe even more.

NYSUT Member Benefits Trust-endorsed Disability Insurance Plans can help protect your income. Long-Term, 5-Year or Short-Term Disability Insurance Plans are available.

  • The Long-Term Plan provides disability protection to age 66 and is for those who don't already have coverage for long periods of disability (5, 10, 15 years or longer).
  • The 5-Year Plan provides coverage for those in between (don't need coverage for a long time, but are 5 years or so from retirement).
  • The Short-Term Plan provides 12 months of disability protection, ideal for those looking for short-term coverage to cover sick leave or are nearing retirement.

Coverage may not be available in all states.

Have you insured your most important asset – your income?

Do You Need the NYSUT Member Benefits Trust-endorsed Disability Insurance Plan?

You've probably insured your car, your home and your life, so now is the time to insure your salary with Disability Insurance. We don't want you to lose your income if you suddenly had to stop working due to an accident or illness. Disability Insurance will ensure you still receive part of your salary, so you can continue paying your bills and providing for your family. Plus, you'll also be able to take advantage of rehabilitation programs with financial incentives.

This Disability Insurance can help you protect your income with a Short-Term, Long-Term, or 5-Year disability plan.

You can customize your own plan! You choose from varying benefit amounts and waiting periods to suit your personal income protection needs, as outlined in these materials.

And, the plan also provides hospital confinement benefits and accidental death and dismemberment benefits. Take a minute to see how this Disability Insurance can help you.

This information is only a brief description of the principal provisions and features of the plan. The complete terms and conditions are set forth in the certificate of insurance issued by Metropolitan Life Insurance Company.

Are You Eligible?

You may apply for this coverage if:

  • You are a member of, or agency fee payer to, NYSUT.
  • You are age 65 or under.
  • You work 20 or more hours weekly.

Lawful spouses or domestic partners of NYSUT members, retiree members, and associate members of NYSUT are not eligible for this plan.

Create Your Own Plan In Three Easy Steps

Create a plan that best suits your needs. Start by examining whether you presently have disability coverage and the benefits you would need if a disabling illness or injury strikes. Consider things such as the type of income protection benefits, if any, your employer offers; the amount of sick leave you’ve accrued; your age; your years to retirement; and the amount of money you have in savings.

STEP 1. Choose Your Benefit Duration.

You may select among 3 plans:

  • Long-Term Plan: If you do not already have coverage for longer periods of disability—5, 10, 15 years or longer—you probably need the kind of income protection offered by the Long-Term Plan.
  • 5-Year Plan: If you’re looking for affordable coverage and are several years away from retiring, you may want to consider the 5-Year Plan.
  • Short-Term Plan: If you are looking for short-term coverage to cover sick leave or are nearing retirement, you may need the short-term, 12-month disability plan.
Plan Start of Total Disability Maximum Benefit Period
Long-Term Prior to age 64
Age 64 or over
To age 65
12 months
5-Year Prior to age 64
Age 64 or over
60 months
12 months
Short-Term Prior to age 64
Age 64 or over
12 months

Unless otherwise indicated, information in these materials applies to all plans.

STEP 2. Choose Your Benefit Amount.

You may apply for $500 to $5,000 per month (in $50 monthly benefit units), not to exceed 60 percent of your gross monthly earnings. You can increase your coverage amount in the future if your salary increases, but you will need to reapply for additional benefits. Benefits under the Member Benefits-endorsed Disability Insurance Plan may be tax-free under current tax law if premium is paid with after tax dollars.  Please consult and discuss this with your Tax Advisor.

If you become totally disabled while insured, the plan will pay the monthly benefit amount you are issued, starting the first day following completion of the waiting period you selected (see STEP 3). If you remain totally disabled, the plan will continue to pay the monthly benefit, not to exceed the maximum benefit period, subject to the coordination of benefits provision described later.

STEP 3. Choose Your Waiting Period.

The waiting period, also known as the elimination period, is the amount of time you must be totally disabled due to a covered sickness or injury before benefits will begin to be paid. The waiting period begins on the first day you are totally disabled.

You may select a waiting period of 60, 90, 120, 150 or 180 calendar days. The longer the waiting period, the lower your premium payments will be.

Additional Benefits

This Disability Insurance also provides hospital confinement benefits, accidental death & dismemberment, and a waiver of premium provision:
  • Voluntary Accidental Death & Dismemberment (VAD&D)
    Principal Sum .......................................................$25,000
    • Hospital Confinement Benefit
      If hospital confinement occurs within 12 months of an accidental injury covered under the Voluntary AD&D plan, benefits paid are up to $250 maximum per month. Benefits will begin on the 5th day of confinement and will continue for a maximum of 12 months.
    Please refer to the VAD&D portion of your Disability Certificate for coverage details.
  • Waiver of Premium
    If you become totally disabled and are receiving monthly benefits from your plan, future premiums will be waived. The waiver of premium will stop when you are no longer eligible to receive a monthly benefit for the period of total or partial disability.

Limited Disability Benefits

If you are disabled due to alcohol, drug, or substance abuse or addiction, your disability benefits will be limited to one period of disability during your lifetime. During your disability, you will be required to participate in an alcohol, drug or substance abuse or addiction recovery program recommended by a Physician. Disability benefit payments will end at the earliest of (1) the date you receive 24 months of disability benefit payments; (2) the date you cease or refuse to participate in the recovery program referred to above; or (3) the date you complete such recovery program.

For Disability Due To Mental and Nervous Disorders or Diseases (Neuromuscular, Musculoskeletal or Soft Tissue Disorders, Chronic Fatigue Syndrome and Related Conditions, or Fibromyalgia); If you are Disabled due to one or more medical conditions (please refer to your certificate for full medical conditions), your Disability benefits will be limited to a lifetime maximum equal to the lesser of 24 months; or the Maximum Benefit Period.

30-Day Free Look

When you become insured, you will be sent a schedule of benefits summarizing your insurance coverage and how to obtain your Certificate of Insurance. If you are not completely satisfied with the terms of your Certificate, you may notify Mercer Consumer at 888-386-9788, without claim within 30 days. Your coverage will be void from the start and you will receive a full refund-no questions asked!

Disability Income Insurance Exclusions

We will not pay for any Disability caused or contributed to by (1) War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act; (2) Your active participation in a riot; (3) Intentionally self-inflicted injury; (4) Attempted suicide; or (5) Commission of or attempt to commit a felony.

We will not pay Benefits for any Disability caused or contributed to by elective treatment or procedures, such as (1) Cosmetic surgery or treatment primarily to change appearance; (2) Sex-change surgery; (3) Reversal of sterilization; (4) Liposuction; (5) Visual correction surgery; and (6) In vitro fertilization, embryo transfer procedure or artificial insemination. However, pregnancies and complications from any of these procedures will be treated as a Sickness.

Additional limitations or exclusions to your coverage may apply. Please review your Certificate of Insurance or contact your benefits administrator with any questions.

VAD&D Exclusions:

We will not pay benefits under this section for any loss caused or contributed to by (1) physical or mental illness or the diagnosis or treatment of such illness; (2) infection, other than infection occurring in an external accidental wound or from food poisoning;(3) suicide or attempted suicide; (4) intentionally self-inflicted injury; (5) service in the armed forces of any country or international authority. However, service in reserve forces does not constitute service in the armed forces, unless in connection with such reserve service an individual is on active military duty as determined by the applicable military authority other than weekend or summer training. For purposes of this provision reserve forces are defined as reserve forces of any branch of the military of the United States or of any other country or international authority, including but not limited to the National Guard of the United States or the national guard of any other country; (6) any incident related to: (a) travel in an aircraft as a pilot, crew member, flight student or while acting in any capacity other than as a passenger; (b) travel in an aircraft for the purpose of parachuting or otherwise exiting from such aircraft while it is in (c) flight; (d) parachuting or otherwise exiting from an aircraft while such aircraft is in flight, except for self preservation; (e) travel in an aircraft or device used for testing or experimental purposes, by or for any military authority or for travel or designed for travel beyond the earth’s atmosphere; (7) committing or attempting to commit a felony; (8) the voluntary intake or use by any means of any drug, medication or sedative, unless it is taken or used as prescribed by a Physician or an "over the counter" drug, medication or sedative taken as directed; alcohol in combination with any drug, medication, or sedative or poison, gas, or fumes; (9) war, whether declared or undeclared; or act of war, insurrection, rebellion or active participation in a riot.

Additional exclusions to your coverage may apply. Please review your Certificate of Insurance or contact your benefits administrator with any questions.

Premium Payment Options and Rates

You may select from the following convenient payment options:

  • Payroll deduction.* Note: You can gain a discount on premiums of up to 20 percent if you select the payroll deduction option for the Long-Term or 5-Year Plan!
  • Pre-authorized check draft.
  • Direct bill on an annual, semiannual or quarterly basis.

Rates for these payment options are outlined on the following charts. Charts 1 and 2 outline information for the Long-Term Plan; Charts 3 and 4 provide information for the 5-Year Plan, and Charts 5 and 6 provide information on the Short-Term Plan.

How To Calculate Your Premiums

Complete Steps 1 through 3, then:

  • Determine the number of $50 monthly benefit units (as described in Step 2) your plan will provide.
  • Multiply this amount by the monthly premium contribution per unit, based on your age and the waiting period you selected.

Example: You are age 35 and will use the payroll deduction option. You’ve selected the Long-Term Plan (see Chart 1), a $2,000 monthly benefit and a 90-day waiting period. Check Chart 1 for the applicable rates based on your selections.

Rate/$50 monthly benefit x # of $50 units = Monthly Premium
$.60 (from chart 1)                    x 40 units               = $24

If you select the Pre-Authorized Check Plan (ACH) instead of the Payroll Deduction Option ... obtain your information from Chart 2. Multiply $.75 by the 40 units, for a monthly premium of $30.

If you elect to pay semiannually ... multiply this $30 monthly rate, as calculated above, by six months, for a semiannual premium of $180.

Premiums are based on your age at the time coverage becomes effective, and they increase on the premium due date on or after you reach a higher age bracket.

*Payroll deduction is available in local associations that have made the necessary arrangements for payroll deductions of Member Benefits-endorsed programs.

Long-Term Plan

Monthly Premiums Per $50 Monthly Benefit From $500 to $5,000, not to exceed 60 percent of gross monthly earnings
Rates Shown Per Waiting Period

Chart 1 – Payroll Deduction Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.64 $0.60 $0.56 $0.52 $0.48
40-49 1.08 1.00 0.96 0.88 0.84
50-59 1.64 1.44 1.40 1.28 1.24
60-64 1.84 1.60 1.48 1.40 1.28
Chart 2 – Direct Bill Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.80 $0.75 $0.70 $0.65 $0.60
40-49 1.35 1.25 1.20 1.10 1.05
50-59 2.05 1.80 1.75 1.60 1.55
60-64 2.30 2.00 1.85 1.75 1.60

5-Year Plan

Monthly Premiums Per $50 Monthly Benefit From $500 to $5,000, not to exceed 60 percent of gross monthly earnings
Rates Shown Per Waiting Period

Chart 3 – Payroll Deduction Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.56 $0.40 $0.37 $0.32 $0.30
40-49 0.90 0.80 0.76 0.69 0.68
50-59 1.40 1.32 1.29 1.26 1.21
60-64 1.84 1.60 1.48 1.40 1.28
Chart 4 – Direct Bill Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.60 $0.47 $0.44 $0.41 $0.36
40-49 1.02 0.94 0.90 0.83 0.79
50-59 1.64 1.53 1.46 1.39 1.34
60-64 2.30 2.00 1.85 1.75 1.60

Short-Term Plan

Monthly Premiums Per $50 Monthly Benefit From $500 to $5,000, not to exceed 60 percent of gross monthly earnings
Rates Shown Per Waiting Period

Chart 5 – Payroll Deduction Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.30 $0.20 $0.20 $0.15 $0.15
40-49 0.45 0.35 0.30 0.25 0.25
50-59 0.60 0.50 0.50 0.45 0.40
60-64 1.15 1.00 0.90 0.85 0.75
Chart 6 – Direct Bill Option
Age 60-day 90-Day 120-Day 150-Day 180-Day
18-39 $0.30 $0.20 $0.20 $0.15 $0.15
40-49 0.45 0.35 0.30 0.25 0.25
50-59 0.65 0.55 0.50 0.45 0.40
60-64 1.20 1.05 0.95 0.90 0.80

Explanation of Disability Insurance Plan Benefits

Coordination of Benefits

We will reduce your disability benefit by the amount of all other income benefits you receive that includes but is not limited to Social Security, workers compensation, any income received for disability under a group insurance policy, such as benefits for loss of time from work due to disability installment payments for permanent total disability. More reductions may apply. Please review your certificate for full details.

Minimum Benefit Guarantee

$500 subject to the Overpayments and Rehabilitation Incentive subsections of this certificate.

Effective Date of Insurance

The insurance takes effect on the date shown on the Certificate of Insurance sent to you, if you are actively at work provided we have approved your application and subject to your payment of the required premium. If you are not actively at work on that date, the insurance will take effect on the date you are actively at work, as long as it is within three months of the Certificate effective date and you are still eligible for coverage. If your insurance is scheduled to take effect on a non-working day, your Active Work status will be based on whether you were Actively at Work on the last working day before the scheduled Effective Date of your insurance.

Definition of Total Disability

“Total Disability” means you can’t perform the duties of your regular occupation during the first 24 months for the Long-Term and 5-Year Plans, following completion of the waiting period you have chosen. After 24 months, your disability must prevent you from engaging in any occupation for which you are reasonably suited. For the Short-Term Plan, “Total Disability” means you can’t perform the duties of your regular occupation during the first 12 months. For all three plans, you must be receiving medical care from a physician during total disability.

Termination of Disability Benefits

Disability benefits will stop on the earliest of: the date you are no longer totally disabled or partially disabled; the date of your death; or the end of the maximum benefit period for total or partial disability or for mental disorders.

Termination of Insurance

The Covered Person’s insurance will terminate on the earliest of the following dates: 1.) The date the Group Policy terminates; 2.) The date on which the Covered Person retires or ceases to be actively engaged in his or her occupation for remuneration or profit, except by reason of Total Disability as defined; 3.) The date on which the Covered Person ceases to be a member of a class of Eligible Persons; 4.) The date on which the Covered Person attains the Age Limit of 66 years of age; or 5.) The end of the grace period following the last day of the period for which a premium payment is made. Any unearned premium paid beyond a termination date will be promptly refunded on a pro-rated basis.

How To Apply

Download the application available on this site and complete it truthfully and completely. This Disability Insurance is medically underwritten based on the information you provide on this form. Send no money now!

STEP 1 — Determine the benefit duration (Long-Term, 5-Year or Short-Term), benefit amount, waiting period and payment option you wish to request.

STEP 2 — Complete the application form and, if applicable, the Member Benefits Payroll Deduction Authorization Form (if you’re requesting the payroll deduction payment option).

STEP 3 — Mail your completed form(s) to:

Plan Administrator
P.O. Box 9186
Des Moines, IA 50306-9186

Acceptance into the plan is subject to evidence of insurability as determined by the insurance company. Depending upon the amount of coverage for which you apply, it may be necessary for you to have a medical exam, blood test, and urinalysis, all of which will be conducted at your convenience and at no cost to you.

Questions? Call Us!

A licensed representative will be happy to assist you with any questions you may have. Call Mercer Consumer toll-free at 888-386-9788, weekdays from 9 a.m. to 9 p.m. or Saturdays & Sundays from 9 a.m. to 6 p.m. (EST). You may also visit the website at www.nysutmbteinsurance.com

Administered by:

Mercer Consumer
a service of Mercer Health & Benefits Administration LLC
P.O. Box 9186
Des Moines, IA 50306-9186

Underwritten by:

Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166

NYSUT MEMBER BENEFITS DISCLOSURE NOTICE

The MetLife Disability Plan is a NYSUT Member Benefits Trust (Member Benefits)-endorsed program. Member Benefits has an endorsement arrangement of 5% of gross premiums for this program. All such payments to Member Benefits are used solely to defray the costs of administering its various programs and, where appropriate, to enhance them. The Insurer pools the premiums of Member Benefits participants who are insured for the purposes of determining premium rates and accounting. Coverage outside of this plan may have rates and terms that are not the same as those obtainable through Member Benefits. The Insurer or Member Benefits may hold premium reserves that may be used to offset rate increases and/or fund such other expenses related to the plan as determined appropriate by Member Benefits. Member Benefits acts as your advocate; please contact Member Benefits at 800-626-8101 if you experience a problem with any endorsed program.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

To apply, download an application by clicking on the link.
When you become insured, you will be sent a schedule of benefits summarizing your insurance coverage and how to obtain your Certificate of Insurance. If you are not completely satisfied with the terms of your Certificate, you may notify us, without claim within 30 days. Your coverage will be void from the start and you will receive a full refund-no questions asked!
Issuance of coverage is handled through the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you’d like. Please click the Contacts section for the toll-free number.

To apply for Disability Insurance coverage, please download an application by clicking the link below.

Disability Application



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Program Administrator

Mercer Consumer
PO Box 9186
Des Moines, IA 50306-9186
Email: customerservice.service@mercer.com
Phone 1-888-386-9788

Disability Application

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