{"id":6,"date":"2025-10-14T09:11:28","date_gmt":"2025-10-14T09:11:28","guid":{"rendered":"https:\/\/myoeme.io\/endava-en\/?page_id=6"},"modified":"2025-10-14T12:09:35","modified_gmt":"2025-10-14T12:09:35","slug":"voluntary-long-term-disability","status":"publish","type":"page","link":"https:\/\/myoeme.io\/endava-en\/benefits\/voluntary-long-term-disability\/","title":{"rendered":"Voluntary Long-Term Disability"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull disable-element-on-mobile has-aspect-ratio wp-duotone-unset-1\" style=\"padding-top:35vh;padding-bottom:65px;aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-819 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/10\/disability-1.jpg\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-60 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-174515c3 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong><strong>Voluntary Long-Term Disability&nbsp;<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:500\">Some health conditions or injuries can&nbsp;impact&nbsp;your ability to work for an extended period. Long-term disability (LTD) coverage provides ongoing income protection if you are unable to perform your job duties for a prolonged time. This helps protect your financial stability and&nbsp;maintain&nbsp;your standard of living during extended absences.&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:28%\"><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover alignfull hide-on-large-devices has-aspect-ratio wp-duotone-unset-2\" style=\"padding-top:15vh;padding-bottom:var(--wp--preset--spacing--40);aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-819 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/10\/disability-1.jpg\" style=\"object-position:7% 25%\" data-object-fit=\"cover\" data-object-position=\"7% 25%\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-60 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-c8cde179 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\"><strong><strong><strong>Voluntary Long-Term Disability&nbsp;<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:500\">Some health conditions or injuries can&nbsp;impact&nbsp;your ability to work for an extended period. Long-term disability (LTD) coverage provides ongoing income protection if you are unable to perform your job duties for a prolonged time. This helps protect your financial stability and&nbsp;maintain&nbsp;your standard of living during extended absences.&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-f2bd6281 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns has-accent-3-background-color has-background is-layout-flex wp-container-core-columns-is-layout-cb06d8e5 wp-block-columns-is-layout-flex\" style=\"border-right-color:var(--wp--preset--color--base);margin-top:0;margin-bottom:0;padding-top:7vh;padding-right:15px;padding-bottom:7vh;padding-left:15px\">\n<div class=\"wp-block-column is-vertically-aligned-stretch is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:53%\">\n<div class=\"wp-block-group is-vertical is-content-justification-left is-layout-flex wp-container-core-group-is-layout-b21d21b4 wp-block-group-is-layout-flex\" style=\"min-height:100%\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-3b26563eaeeb3c98c0e3a3c81effac7c\" style=\"padding-bottom:20px;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:700\"><strong><strong><strong>Why Consider Long-Term Disability?<\/strong>&nbsp;<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-left\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">LTD can be a critical part of financial planning. It can help you cover ongoing living expenses, bills, and other obligations while you focus on recovery or rehabilitation. Without coverage, long-term absence from work can create significant financial strain.&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;flex-basis:47%\">\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-content-justification-right is-layout-constrained wp-container-core-group-is-layout-f1f2ed93 wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"kSbQzpfz02NcwSAMlAKj02uSvvWRZZOSXBVfh02JBKIxDU\"\nposter=\"https:\/\/myoeme.io\/endava-en\/wp-content\/uploads\/sites\/289\/2025\/10\/Long-Term-Disability-English.png\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0px;padding-top:15px;padding-bottom:15px\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-f1a20004339d86f8deb62de74dc7facf wp-container-content-9cfa9a5a\" style=\"padding-top:20px;padding-bottom:var(--wp--preset--spacing--30);font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\"><strong>Why Consider it<\/strong>&nbsp;<\/h2>\n\n\n\n<ul style=\"padding-bottom:40px;padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>The&nbsp;<strong>average short-term disability lasts about 10 weeks.<\/strong><\/li>\n\n\n\n<li><strong>90% of disabilities<\/strong>&nbsp;come from illnesses, not accidents.<\/li>\n\n\n\n<li><strong>Muscle, back, and joint disorders<\/strong>&nbsp;are the&nbsp;<strong>#1 cause overall<\/strong>, while&nbsp;<strong>pregnancy<\/strong>&nbsp;remains&nbsp;<strong>#1 for women.<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Mental health claims<\/strong>&nbsp;\u2014 especially anxiety, burnout, and depression \u2014 are among the&nbsp;<strong>fastest-growing reasons<\/strong>&nbsp;for disability leave.<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">This coverage pays you directly and helps cover everyday expenses like rent, childcare, or groceries \u2014 so you can focus on recovery, not bills.<\/p>\n<\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><em>Protect your paycheck. Scale your benefit to meet your personal need<\/em><\/p>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0px;padding-top:0px;padding-bottom:15px\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-top-color:var(--wp--preset--color--contrast);border-top-style:dotted;border-top-width:5px;margin-top:0;padding-top:var(--wp--preset--spacing--60);padding-bottom:25px\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-17fc1b09 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color wp-elements-e49984ec2cb353401c74ad389877cbae\" style=\"padding-right:var(--wp--preset--spacing--20);padding-bottom:0;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\">Need Help?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n<p class=\"wp-container-content-47197e2f\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Log in to manage your MetLife account or to access claim forms and additional resources.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-ea69a204 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-default has-accent-3-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:35px;padding-right:35px;padding-bottom:35px;padding-left:35px;font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);font-style:normal;font-weight:400\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\" style=\"margin-bottom:10px\"><a href=\"https:\/\/www.metlife.com\/MWBwelcome\/claim-forms\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/06\/tmp18fz5ez9.webp\" alt=\"\" class=\"wp-image-87\" style=\"object-fit:cover;width:60px;height:60px\"\/><\/a><\/figure>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.metlife.com\/MWBwelcome\/claim-forms\/\" data-type=\"page\" data-id=\"63\" target=\"_blank\" rel=\"noreferrer noopener\">How to File a Claim<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-default has-global-padding is-layout-constrained wp-container-core-group-is-layout-018166da wp-block-group-is-layout-constrained\" style=\"padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<figure class=\"wp-block-image size-full disable-element-on-mobile\"><img decoding=\"async\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/10\/When-I-learned-Id-lose-my-leg-I-didnt-know-how-wed-manage.-My-long-term-disability-coverage-gave-us-space-to-breathe-so-I-could-focus-on-healing.-1.webp\" alt=\"\" class=\"wp-image-988\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full hide-on-large-devices\"><img decoding=\"async\" src=\"https:\/\/myoeme.io\/wp-content\/uploads\/2025\/10\/When-I-learned-Id-lose-my-leg-I-didnt-know-how-wed-manage.-My-long-term-disability-coverage-gave-us-space-to-breathe-so-I-could-focus-on-healing.-2.webp\" alt=\"\" class=\"wp-image-994\"\/><\/figure>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Why Consider Long-Term Disability?&nbsp; LTD can be a critical part of financial planning. It can help you cover ongoing living expenses, bills, and other obligations while you focus on recovery or rehabilitation. Without coverage, long-term absence from work can create significant financial strain.&nbsp; Why Consider it&nbsp; This coverage pays you directly and helps cover everyday [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":41,"parent":12,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/pages\/6","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/comments?post=6"}],"version-history":[{"count":5,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/pages\/6\/revisions"}],"predecessor-version":[{"id":147,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/pages\/6\/revisions\/147"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/pages\/12"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/media\/41"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/endava-en\/wp-json\/wp\/v2\/media?parent=6"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}