Disability Insurance

Cover expenses when you can’t earn a paycheck

  • Competitive

  • Direct
    Monthly Payments

  • Rehab

  • Brought to you
    by MetLife

When dealing with an accident or extended illness, the last thing you want to worry about is managing your living expenses without a paycheck. Long term disability insurance can help you cover essential expenses and maintain your standard of living.

Disability Insurance can help pay for food, utilities, car payments, and more.

Plan Benefits:

As a member of the National Armed Forces Association under age 60 you may elect monthly benefits from $1,000 to $6,000 dollars per month (not to exceed 60% of your predisability earnings). If you meet the plan definition of disability, benefits begin after a 60 day elimination period and are payable to the later of your normal social security retirement age or reducing benefit duration. Please see the attached plan summary for the applicable definition of disability, plan limitations and exclusions.

Coverage includes:

  • Family Care Incentive
  • Work Incentive
  • Rehabilitation Program Incentive
  • Survivor Benefit

Did you know?

1 in 4 of today’s workers will become disabled before they retire;
and accidents are usually not the problem.*

*Council for Disability Awareness, Chances of disability overview.


Age Rates

(per $100 Covered Monthly Benefit)

Under age 35


35 to 39 years


40 to 44 years


45 to 49 years


50 to 54 years


55 to 59 years


60 to 64 years


65 and over


*Please note the rates 60 to 64 and 65 and over are for renewal purposes only. Rates are subject to change. Rates increase at these and subsequent five-year age intervals until age 70 when coverage ends. Rates are unisex and unismoker. Rates shown are monthly; other payment modes are available, please contact your plan administrator at 1-651-259-9001 for a full list of ages, rates and benefit amounts.

**Rates may be changed on the entire group plan or on a class basis and on any premium due date on which
benefits are changed. A class is a group of people defined in the group policy/exhibits. Benefits are subject to change upon agreement between Metropolitan Life Insurance Company and the participating organization.

The association and/or plan administrator incurs costs in connection with providing oversight and administrative support for this sponsored plan. To provide and maintain this valuable membership benefit, MetLife may compensate the association and/or the plan administrator for these and/or other costs.

All insurance and insurance effective dates are subject to final underwriting approval.

Policy form GPNP15-2T

Certificate form GCERT2000 DI

Policy number 253905-1-G

For a list of primary covered services & limitations, please download a plan summary:

Need help or have questions on Disability Plans?

Call 1-651-259-9001 or email starrwrightusa@benafica.com

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact MetLife or your plan administrator for costs and complete details.

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MetLife has approved the content relating only to MetLife products listed on this advertisement. MetLife makes no representations with respect to products issued or provided by other carriers or the benefits thereof.