{"id":17,"date":"2026-04-30T11:02:01","date_gmt":"2026-04-30T11:02:01","guid":{"rendered":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/?page_id=17"},"modified":"2026-05-07T14:50:13","modified_gmt":"2026-05-07T14:50:13","slug":"voluntary-long-term-disability","status":"publish","type":"page","link":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/benefits\/voluntary-long-term-disability\/","title":{"rendered":"Invalidit\u00e9 Volontaire de Long Terme"},"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>Invalidit\u00e9 Volontaire de Long Terme&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\">Certaines conditions de sant\u00e9 ou blessures peuvent&nbsp;affecter&nbsp;votre capacit\u00e9 \u00e0 travailler pendant une p\u00e9riode prolong\u00e9e. La couverture d&#8217;invalidit\u00e9 de long terme (LTD) offre une protection de revenu continue si vous \u00eates incapable d&#8217;exercer vos fonctions professionnelles pendant une longue p\u00e9riode. Cela contribue \u00e0 prot\u00e9ger votre stabilit\u00e9 financi\u00e8re et&nbsp;maintenir&nbsp;votre niveau de vie pendant les absences prolong\u00e9es.&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>Invalidit\u00e9 Volontaire de Long Terme&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\">Certaines conditions de sant\u00e9 ou blessures peuvent&nbsp;affecter&nbsp;votre capacit\u00e9 \u00e0 travailler pendant une p\u00e9riode prolong\u00e9e. La couverture d&#8217;invalidit\u00e9 de long terme (LTD) offre une protection de revenu continue si vous \u00eates incapable d&#8217;exercer vos fonctions professionnelles pendant une longue p\u00e9riode. Cela contribue \u00e0 prot\u00e9ger votre stabilit\u00e9 financi\u00e8re et&nbsp;maintenir&nbsp;votre niveau de vie pendant les absences prolong\u00e9es.&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-45b9a720 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-72c9502b8f7b156da626bc95d47a0074\" 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>Pourquoi envisager l&#8217;invalidit\u00e9 de long terme ?<\/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\">Le LTD peut \u00eatre une partie essentielle de la planification financi\u00e8re. Il peut vous aider \u00e0 couvrir les d\u00e9penses de subsistance courantes, les factures et d&#8217;autres obligations pendant que vous vous concentrez sur votre r\u00e9tablissement ou votre r\u00e9habilitation. Sans couverture, une absence prolong\u00e9e du travail peut cr\u00e9er une pression financi\u00e8re significative.&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)\"><div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1190149107?h=2f84b85ddb&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Employee Navigator_20260113_100052_Final_English_Video_2025\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script><\/div>\n\n\n\n<div class=\"wp-block-buttons oeme-hide-multi-lang is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-f3767f4c wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--20)\">\n<div class=\"wp-block-button oeme-background-button\"><a class=\"wp-block-button__link has-base-color has-accent-5-background-color has-text-color has-background has-link-color has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/myoeme.io\/wp-content\/uploads\/sites\/789\/2026\/04\/Benefit-Summary-Voluntary-LTD-_-60-to-6000k1.docx\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--40);text-transform:capitalize\" target=\"_blank\" rel=\"noreferrer noopener\">Ouvrir le r\u00e9sum\u00e9 des avantages<\/a><\/div>\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-698ad5edc04278d6e52d13afd2048de9 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>Pourquoi l&#8217;envisager<\/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>Le&nbsp;<strong>dur\u00e9e moyenne de l&#8217;invalidit\u00e9 \u00e0 court terme est d&#8217;environ 10 semaines.<\/strong><\/li>\n\n\n\n<li><strong>90% des invalidit\u00e9s<\/strong>&nbsp;proviennent de maladies, et non d&#8217;accidents.<\/li>\n\n\n\n<li><strong>Les troubles musculaires, dorsaux et articulaires<\/strong>&nbsp;sont la&nbsp;<strong>cause #1 au total<\/strong>, tandis que&nbsp;<strong>la grossesse<\/strong>&nbsp;reste&nbsp;<strong>la #1 chez les femmes.<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Les demandes li\u00e9es \u00e0 la sant\u00e9 mentale<\/strong>&nbsp;\u2014 en particulier l&#8217;anxi\u00e9t\u00e9, l&#8217;\u00e9puisement professionnel et la d\u00e9pression \u2014 figurent parmi les&nbsp;<strong>raisons \u00e0 la croissance la plus rapide<\/strong>&nbsp;pour un cong\u00e9 d&#8217;invalidit\u00e9.<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Cette couverture vous paie directement et aide \u00e0 couvrir les d\u00e9penses quotidiennes comme le loyer, la garde d&#8217;enfants ou les courses \u2014 afin que vous puissiez vous concentrer sur votre r\u00e9tablissement, pas sur les factures.<\/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>Prot\u00e9gez votre salaire. Adaptez votre avantage \u00e0 vos besoins personnels<\/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 are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-17fc1b09 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center 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-e636a9783d8d8f0b2d6460b07921428f\" 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\">Besoin d&#8217;aide ?<\/h2>\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: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\">Connectez-vous pour g\u00e9rer votre compte MetLife ou pour acc\u00e9der aux formulaires de r\u00e9clamation et \u00e0 d&#8217;autres ressources.<\/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\">Comment d\u00e9poser une r\u00e9clamation<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-style-default oeme-hide-multi-lang 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>Pourquoi envisager l&#8217;invalidit\u00e9 de long terme ?&nbsp; Le LTD peut \u00eatre une partie essentielle de la planification financi\u00e8re. Il peut vous aider \u00e0 couvrir les d\u00e9penses de subsistance courantes, les factures et d&#8217;autres obligations pendant que vous vous concentrez sur votre r\u00e9tablissement ou votre r\u00e9habilitation. Sans couverture, une absence prolong\u00e9e du travail peut cr\u00e9er une [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":59,"parent":22,"menu_order":9,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":""},"class_list":["post-17","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":7,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/17\/revisions"}],"predecessor-version":[{"id":268,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/17\/revisions\/268"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/pages\/22"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/media\/59"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-fr\/wp-json\/wp\/v2\/media?parent=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}