MetLife's Disability Income (DI) Insurance Association discount program offers you an opportunity to receive high-quality individual disability income insurance at discounted rates.¹

MetLife's DI Insurance can provide you with the comprehensive coverage you may need to help you meet your financial obligations in the event of a disabling illness or injury.

• 10% premium discount with gender distinct rates.
• Noncancelable² and Guaranteed Renewable coverage restricts MetLife from cancelling your coverage or increasing your premium before age 65 on certain policies, as long as your premiums are paid on time.
• Opportunity to customize coverage with optional riders,³ such as:

Your Occupation Total Disability in Your Occupation means that you are considered totally disabled if a disability prevents you from preforming the material and substantial duties of your regular occupation and you are receiving appropriate care from a physician.

Residual Disability allows you to receive a partial disability benefit, under certain conditions, if a partial disability causes you to lose 20% or more of your earnings.

Catastrophic Disability provides an additional monthly benefit in the event your condition meets the criteria as defined in the rider. Ask your representative for complete details.⁴

Guaranteed Insurability Benefit allows you to increase your coverage as your income increases over time, without any medical underwriting at the time of increase. Financial underwriting is required to determine eligibility for an increase in coverage.

Cost of Living Adjustment helps your benefits keep pace with inflation when a disability lasts more than one year.

• Members will be fully underwritten.

For more information, contact me at:

Jim Flakne Disability Income Specialist - Non Practicing CPA 612.799.5610 jflakne@mnmed.org

1. Associations must be pre-approved by MetLife to participate in the Discount Program.
2. Not available on OMNI Essential.
3. Not all riders are available to all occupational classes or in all states. Contact your representative for details.
4. The Catastrophic Disability benefit is paid at 120% during the first 12 months of a Catastrophic Disability.

Like most disability income insurance policies, MetLife's policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details.

FOR POLICIES ISSUED IN NEW YORK:

These policies provide disability income insurance only. 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%. The ratio is the portion of future premiums that MetLife expects to return as benefits, when averaged over all people with the applicable policy. 

Endorsed by the Minnesota Medical Association and the Twin Cities Medical Society.