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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. Learn why STD coverage is important.

Learn more about how to file a Temporary Disability Insurance (TDI) claim in the state of Hawaii.

Non-Exempt (Hourly) Employees

Non-exempt (hourly) employees automatically receive a company-paid core STD benefit of 50% of your weekly base pay up a $150 weekly maximum. You can also purchase supplemental coverage of 60% of your weekly base pay up to a $1,000 weekly maximum to supplement Hawaii’s state 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. Learn more.

Salary continuation benefits are integrated with state disability insurance benefits.

Supplemental STD: Pre-Existing Conditions

A "pre-existing condition" is a sickness or accidental injury in the three months before your coverage takes effect for which you:

  • Received treatment, consultation, care, or services or
  • Took prescription medication or had medications prescribed.

MetLife will not pay benefits for a disability resulting from a pre-existing condition until you have been actively at work for 12 consecutive months after your coverage takes effect.

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