Critical Illness/Long Term Disability 2022

MetLife Critical Illness

NPS offers Critical Illness insurance through MetLife. Critical Illness is not life insurance. It provides a lump-sum payment if you or a covered family member are diagnosed with one of the following medical conditions: heart attack, stroke, coronary artery bypass graft, kidney failure, Alzheimer’s Disease, cancer, or major organ transplant. Payments are made directly to you, not to the doctors, hospitals, or other health care providers. The payment you receive is yours to spend as you see fit and may be used to cover ongoing household bills while you are recovering from your illness. Click here to watch a brief video about Critical Illness.

Other features include:   

  • $10,000 or $20,000 coverage options available
  • Dependent coverage for your spouse and children is also available 
  • No obligation to submit expense receipts 
  • Portable coverage should you leave Norfolk Public Schools 

For more information visit: www.metlife.com or call 1-800-GET-MET8 (1-800-438-6388). 

Long Term Disability Plan Information

NPS offers Long Term Disability (LTD) to eligible employees through payroll deduction at a rate determined by employee salary. The LTD benefit provides partial income replacement when you are unable to work due to sickness and off the job accidents.


Disability for Hybrid Employees

The Virginia Retirement System (VRS) offers Short Term Disability (STD) and Long Term Disability (LTD) through Virginia Local Disability Program (VLDP) to Hybrid employees only.  Generally, you are covered under the VRS Hybrid Retirement Plan if your VRS membership date is on or after January 1, 2014. VLDP provides income protection if you can’t work because of a nonwork-related or work-related illness, injury, or other conditions. Coverage becomes effective after the Hybrid employee has completed one full year of active employment. 

For more information visit: http://www.varetire.org/pdf/publications/vldp-handbook.pdf   

Disability for Non-Hybrid Employees

NPS offers Long Term Disability (LTD) through The Hartford to Non-Hybrid employees through payroll deduction at a rate determined by the employee’s salary. The LTD benefit provides partial income replacement when you are unable to work due to sickness and off the job accidents. Evidence of Insurability forms must be completed to determine approval or denial into this benefit.   

  • Monthly benefit: 60% of pre-disability earnings up to a $10,000 monthly maximum 
  • Benefit begins after a 90-calendar day waiting period 
  • Benefit duration: until you’re able to return to work or Social Security normal retirement age
  • Evidence of Insurability form  

Enrollment must be made within the normal 14-day new hire benefit selection period.  Coverage is effective from the first month after the first full month of employment.   There is no medical underwriting required if selected within the first 14-days of hire.  If elected during a subsequent open enrollment period, medical underwriting is required. 

For more information visit: The Hartford  or call 1-800-368-2859.