Get a disability insurance quotes from MetLife

Accordingly MetLife Disability Insurance definition of disability is, prevented from performing the material and substantial duties of insured’s regular occupation; and is not gainfully employed. After the regular occupation period the insured is prevented from performing any occupation for which he/she is reasonable fitted by education, training, or experience. MetLife’s policy is also non-cancelable and guaranteed renewable to age 65. MetLife also pays the full benefit for total disability if the insured is unable to perform the substantial and material duties of his/her regular occupation, even if engaged in another occupation and regardless of income earned in the other occupation.  MetLife pays an additional monthly benefit on top of the monthly benefit for total disability (and Social Insurance Offset, if included in the policy) if the insured’s medical condition meets the criteria for a catastrophic disability. In case of MetLife, it allows the insured to receive benefits for 24 or 36 months, if he/she continues to experience a loss of earnings of at least 20%, after returning to work full-time In MetLife, Lifetime for Total Disability Rider provides a lifetime total disability benefit, paid during a continuous disability if such disability begins before age 65 and continues until age 65; and the benefits under the policy have been paid during the disability.

Benefits are calculated by the monthly benefit multiplied by a benefit factor, which is dependent upon age at the start of total disability. The factor is 1.0 at age 45 or less and reduces 5% for each year that total disability starts thereafter.  MetLife insurance provides disability insurance quotes for anyone who wants to purchase. MetLife has flexible disability income insurance policies that provide monthly income to help maintain standard of living. It can be customized to fit one’s particular situation. It helps keep one’s financial dreams and goals for the future intact.  One should consider what kind should he buys and how much. There are many options. Anybody can request a no-obligation quote by fulfilling a form on website of MetLife. Like most disability insurance policies, MetLife’s policies include definite exclusions, waiting periods, reductions, limitations and terms for keeping them in action. Disability insurance quotes ensures its holder’s and his/her future financial need if he/she gets hurt or wounded and cannot able to work in his/her occupation.  It does not harm anybody’s privacy. One can pay their medical bills, mortgage payment from their insurance benefits. It ensures that their future standard of living will not be disturbed. Its process is easy. There is no waste of time. It is easy to claim. It ensures no harassment in claiming its policy holder’s claim.

They have qualified representatives to help you out in any situation. From high income holders like doctor, lawyer etc. to low income people everyone’s life is important to them. They provide service with efficiency equally to everyone. Every working people need to do disability insurance. MetLife takes care of its customer with a great customer service team. Anybody can get them anytime. They have 24/7 service. You can contact with them through phone or email. You can also pay a visit to their offices. They are near you.

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