{"id":14,"date":"2026-04-30T11:02:01","date_gmt":"2026-04-30T11:02:01","guid":{"rendered":"https:\/\/myoeme.io\/rafteryconstructionco-zh\/?page_id=14"},"modified":"2026-04-30T12:45:05","modified_gmt":"2026-04-30T12:45:05","slug":"voluntary-long-term-disability","status":"publish","type":"page","link":"https:\/\/myoeme.io\/rafteryconstructionco-zh\/benefits\/voluntary-long-term-disability\/","title":{"rendered":"\u81ea\u613f\u957f\u671f\u5931\u80fd"},"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>\u81ea\u613f\u957f\u671f\u5931\u80fd&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\">\u67d0\u4e9b\u5065\u5eb7\u72b6\u51b5\u6216\u4f24\u5bb3\u53ef\u80fd\u4f1a&nbsp;\u5f71\u54cd&nbsp;\u60a8\u957f\u65f6\u95f4\u5de5\u4f5c\u7684\u80fd\u529b\u3002\u957f\u671f\u5931\u80fd\uff08LTD\uff09\u4fdd\u9669\u63d0\u4f9b\u6301\u7eed\u7684\u6536\u5165\u4fdd\u62a4\uff0c\u5982\u679c\u60a8\u65e0\u6cd5\u5728\u8f83\u957f\u65f6\u95f4\u5185\u5c65\u884c\u5de5\u4f5c\u804c\u8d23\u3002\u8fd9\u6709\u52a9\u4e8e\u4fdd\u62a4\u60a8\u7684\u8d22\u52a1\u7a33\u5b9a\u6027\uff0c\u5e76&nbsp;\u4fdd\u6301&nbsp;\u60a8\u5728\u957f\u671f\u7f3a\u52e4\u671f\u95f4\u7684\u751f\u6d3b\u6807\u51c6\u3002&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>\u81ea\u613f\u957f\u671f\u5931\u80fd&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\">\u67d0\u4e9b\u5065\u5eb7\u72b6\u51b5\u6216\u4f24\u5bb3\u53ef\u80fd\u4f1a&nbsp;\u5f71\u54cd&nbsp;\u60a8\u957f\u65f6\u95f4\u5de5\u4f5c\u7684\u80fd\u529b\u3002\u957f\u671f\u5931\u80fd\uff08LTD\uff09\u4fdd\u9669\u63d0\u4f9b\u6301\u7eed\u7684\u6536\u5165\u4fdd\u62a4\uff0c\u5982\u679c\u60a8\u65e0\u6cd5\u5728\u8f83\u957f\u65f6\u95f4\u5185\u5c65\u884c\u5de5\u4f5c\u804c\u8d23\u3002\u8fd9\u6709\u52a9\u4e8e\u4fdd\u62a4\u60a8\u7684\u8d22\u52a1\u7a33\u5b9a\u6027\uff0c\u5e76&nbsp;\u4fdd\u6301&nbsp;\u60a8\u5728\u957f\u671f\u7f3a\u52e4\u671f\u95f4\u7684\u751f\u6d3b\u6807\u51c6\u3002&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-6e7e82b1504810e363c11e49b0b234c3\" 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>\u4e3a\u4ec0\u4e48\u8003\u8651\u957f\u671f\u5931\u80fd\uff1f<\/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\u53ef\u4ee5\u662f\u8d22\u52a1\u89c4\u5212\u7684\u5173\u952e\u90e8\u5206\u3002\u5b83\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5728\u4e13\u6ce8\u4e8e\u5eb7\u590d\u6216\u6cbb\u7597\u65f6\uff0c\u6db5\u76d6\u6301\u7eed\u7684\u751f\u6d3b\u8d39\u7528\u3001\u8d26\u5355\u548c\u5176\u4ed6\u4e49\u52a1\u3002\u6ca1\u6709\u4fdd\u9669\uff0c\u957f\u671f\u7f3a\u52e4\u5de5\u4f5c\u53ef\u80fd\u4f1a\u9020\u6210\u91cd\u5927\u7684\u8d22\u52a1\u538b\u529b\u3002&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\/1188076301?h=38d073e7c6&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\/788\/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\">\u6253\u5f00\u798f\u5229\u6458\u8981<\/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-23fc4f64632564ed1e59308318b8be35 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>\u4e3a\u4ec0\u4e48\u8003\u8651\u5b83<\/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>\u8be5&nbsp;<strong>\u5e73\u5747\u77ed\u671f\u5931\u80fd\u6301\u7eed\u7ea610\u5468\u3002<\/strong><\/li>\n\n\n\n<li><strong>90%\u7684\u5931\u80fd<\/strong>&nbsp;\u6765\u81ea\u75be\u75c5\uff0c\u800c\u975e\u610f\u5916\u3002<\/li>\n\n\n\n<li><strong>\u808c\u8089\u3001\u80cc\u90e8\u548c\u5173\u8282\u75be\u75c5<\/strong>&nbsp;\u662f&nbsp;<strong>#1 \u7efc\u5408\u539f\u56e0<\/strong>\uff0c\u800c&nbsp;<strong>\u6000\u5b55<\/strong>&nbsp;\u4ecd\u7136&nbsp;<strong>#1\u5973\u6027\u3002<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>\u5fc3\u7406\u5065\u5eb7\u7d22\u8d54<\/strong>&nbsp;\u2014 \u5c24\u5176\u662f\u7126\u8651\u3001\u804c\u4e1a\u5026\u6020\u548c\u6291\u90c1 \u2014 \u662f&nbsp;<strong>\u589e\u957f\u6700\u5feb\u7684\u539f\u56e0<\/strong>&nbsp;\u4e4b\u4e00\uff0c\u5bfc\u81f4\u5931\u80fd\u4f11\u5047\u3002<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">\u8be5\u4fdd\u9669\u76f4\u63a5\u652f\u4ed8\u7ed9\u60a8\uff0c\u5e76\u5e2e\u52a9\u8986\u76d6\u65e5\u5e38\u5f00\u652f\uff0c\u5982\u79df\u91d1\u3001\u513f\u7ae5\u4fdd\u80b2\u6216\u98df\u54c1\u6742\u8d27 \u2014 \u8fd9\u6837\u60a8\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u5eb7\u590d\uff0c\u800c\u4e0d\u662f\u8d26\u5355\u3002<\/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>\u4fdd\u62a4\u60a8\u7684\u85aa\u6c34\u3002\u6839\u636e\u60a8\u7684\u4e2a\u4eba\u9700\u6c42\u8c03\u6574\u60a8\u7684\u798f\u5229<\/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-52a6c9134392a8607c602214fb584fe0\" 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\">\u9700\u8981\u5e2e\u52a9\uff1f<\/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\">\u767b\u5f55\u4ee5\u7ba1\u7406\u60a8\u7684MetLife\u8d26\u6237\u6216\u8bbf\u95ee\u7d22\u8d54\u8868\u683c\u548c\u5176\u4ed6\u8d44\u6e90\u3002<\/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\">\u5982\u4f55\u63d0\u4ea4\u7d22\u8d54<\/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>\u4e3a\u4ec0\u4e48\u8003\u8651\u957f\u671f\u5931\u80fd\uff1f&nbsp; LTD\u53ef\u4ee5\u662f\u8d22\u52a1\u89c4\u5212\u7684\u5173\u952e\u90e8\u5206\u3002\u5b83\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5728\u4e13\u6ce8\u4e8e\u5eb7\u590d\u6216\u6cbb\u7597\u65f6\uff0c\u6db5\u76d6\u6301\u7eed\u7684\u751f\u6d3b\u8d39\u7528\u3001\u8d26\u5355\u548c\u5176\u4ed6\u4e49\u52a1\u3002\u6ca1\u6709\u4fdd\u9669\uff0c\u957f\u671f\u7f3a\u52e4\u5de5\u4f5c\u53ef\u80fd\u4f1a\u9020\u6210\u91cd\u5927\u7684\u8d22\u52a1\u538b\u529b\u3002&nbsp; \u4e3a\u4ec0\u4e48\u8003\u8651\u5b83&nbsp; \u8be5\u4fdd\u9669\u76f4\u63a5\u652f\u4ed8\u7ed9\u60a8\uff0c\u5e76\u5e2e\u52a9\u8986\u76d6\u65e5\u5e38\u5f00\u652f\uff0c\u5982\u79df\u91d1\u3001\u513f\u7ae5\u4fdd\u80b2\u6216\u98df\u54c1\u6742\u8d27 \u2014 \u8fd9\u6837\u60a8\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u5eb7\u590d\uff0c\u800c\u4e0d\u662f\u8d26\u5355\u3002 \u4fdd\u62a4\u60a8\u7684\u85aa\u6c34\u3002\u6839\u636e\u60a8\u7684\u4e2a\u4eba\u9700\u6c42\u8c03\u6574\u60a8\u7684\u798f\u5229 \u9700\u8981\u5e2e\u52a9\uff1f \u767b\u5f55\u4ee5\u7ba1\u7406\u60a8\u7684MetLife\u8d26\u6237\u6216\u8bbf\u95ee\u7d22\u8d54\u8868\u683c\u548c\u5176\u4ed6\u8d44\u6e90\u3002 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