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Short-Term Disability (STD) Insurance

Income protection for unforeseen injuries or illnesses.

Short-Term Disability (STD) is paycheck insurance that protects a portion of your income in the event of a short-term illness, pregnancy, or injury. STD benefits are payable for up to 26 weeks (after a 7-day elimination period) for an approved disability leave. 

Non-Exempt (Hourly) Employees

Non-exempt (hourly) employees automatically receive a company-paid core STD benefit of 50% of your weekly base pay up to a maximum benefit of $150 per week. You can also choose from the following options if you want to purchase supplemental coverage:

  • 50% of your weekly base pay up to a weekly maximum of $500
  • 60% of your weekly base pay up to a weekly maximum of $1,000 
Important Information If You Live in CA, NY, HI, RI, or NJ

California employees are not eligible for STD coverage through Hertz because they receive benefits through their state’s disability program.

New York employees are eligible to purchase STD coverage to supplement the $170 maximum weekly benefit provided by their state disability program. 

Hawaii, Rhode Island, and New Jersey employees are eligible to elect the buy-up option of 60% of your weekly base pay, up to a weekly maximum of $1,000 to supplement your state's disability program.

Exempt (Salaried) Employees

Exempt (salaried) employees are eligible to receive a salary continuation benefit for approved disability leaves. Salary continuation benefits consist of full base pay for a specified period of time, and then partial (half) base pay for a specified period of time, depending upon your length of service with the company. For more information about the exempt policy, click here.

Note that salary continuation benefits are integrated with state disability insurance benefits in CA, HI, NJ, NY, and RI.

Supplemental STD: Pre-Existing Conditions

A "pre-existing condition" is a sickness or accidental injury for which you:

  • received treatment, consultation, care, or services or
  • took prescription medication or had medications prescribed

in the 3 months before your insurance takes effect.

MetLife will not pay benefits for a disability that results from a pre-existing condition if you have been actively at work for less than 12 consecutive months after the date your disability insurance takes effect. See the STD certificates in the Document Library.

For more information about STD coverage, click here. And, you can find the Absence Reporting Instructions, Online Claim Instructions, and the Leave and Disability Checklist in the Document Library.



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