{"id":12,"date":"2025-11-09T13:13:12","date_gmt":"2025-11-09T13:13:12","guid":{"rendered":"https:\/\/myoeme.io\/robertferrilli-es\/?page_id=12"},"modified":"2025-11-09T13:13:12","modified_gmt":"2025-11-09T13:13:12","slug":"employer-paid-long-term-disability","status":"publish","type":"page","link":"https:\/\/myoeme.io\/robertferrilli-es\/benefits\/employer-paid-long-term-disability\/","title":{"rendered":"Discapacidad a largo plazo pagada por el empleador"},"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-177 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/spanish-en\/wp-content\/uploads\/sites\/185\/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-70 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><strong><strong><strong><strong>Discapacidad a largo plazo pagada por el empleador<\/strong><\/strong><\/strong><\/strong><\/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\">Algunas condiciones de salud o lesiones pueden afectar su capacidad para trabajar durante un per\u00edodo prolongado. La cobertura por discapacidad a largo plazo (LTD) brinda protecci\u00f3n continua de ingresos si no puede realizar sus tareas laborales durante un tiempo prolongado. Esto ayuda a proteger su estabilidad financiera y mantener su nivel de vida durante ausencias prolongadas.<\/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-177 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/spanish-en\/wp-content\/uploads\/sites\/185\/2025\/10\/disability-1.jpg\" style=\"object-position:15% 63%\" data-object-fit=\"cover\" data-object-position=\"15% 63%\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-70 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><strong><strong><strong><strong>Discapacidad a largo plazo pagada por el empleador<\/strong><\/strong><\/strong><\/strong><\/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\">Algunas condiciones de salud o lesiones pueden afectar su capacidad para trabajar durante un per\u00edodo prolongado. La cobertura por discapacidad a largo plazo (LTD) brinda protecci\u00f3n continua de ingresos si no puede realizar sus tareas laborales durante un tiempo prolongado. Esto ayuda a proteger su estabilidad financiera y mantener su nivel de vida durante ausencias prolongadas.<\/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-979b86a0279b94ce9b0fd4f2735e74a6\" 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>\u00bfPor qu\u00e9 considerar la discapacidad a largo plazo?<\/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 puede ser una parte fundamental de la planificaci\u00f3n financiera. Puede ayudarlo a cubrir los gastos de manutenci\u00f3n, las facturas y otras obligaciones mientras se concentra en la recuperaci\u00f3n o rehabilitaci\u00f3n. Sin cobertura, la ausencia prolongada del trabajo puede crear una tensi\u00f3n financiera significativa.&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=\"[oeme_benefithub_employer_paid_ltd_1_emod_id]\"\n poster=\"[oeme_benefithub_employer_paid_ltd_1_poster]\"\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-eabfb96747ea079e0bc2e6ac93d384e2 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><strong>C\u00f3mo funciona<\/strong><\/strong><\/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><strong>Se activa despu\u00e9s de la cobertura a corto plazo o la licencia m\u00e9dica<\/strong><br>La discapacidad a largo plazo generalmente comienza despu\u00e9s de un per\u00edodo de espera. En la mayor\u00eda de los casos, una p\u00f3liza de discapacidad a corto plazo ayuda a cerrar esa brecha hasta que los beneficios a largo plazo entren en vigencia.&nbsp;<\/li>\n\n\n\n<li><strong>Reemplazo de ingresos mensuales<\/strong><br>Proporciona una parte de sus ingresos cada mes, generalmente un porcentaje mayor de su salario, hasta un m\u00e1ximo mensual descrito en los detalles de sus beneficios.<\/li>\n\n\n\n<li><strong>Estabilidad financiera a largo plazo<\/strong><br>Los beneficios de LTD est\u00e1n dise\u00f1ados para ayudarlo a superar los desaf\u00edos de salud prolongados, ayud\u00e1ndole a mantenerse al d\u00eda con los gastos esenciales y proteger su bienestar financiero.<\/li>\n<\/ul>\n\n\n\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-10ff76ba436256cbdc09c22437a53274\" style=\"padding-right:0;padding-bottom:0;font-size:clamp(22.041px, 1.378rem + ((1vw - 3.2px) * 1.091), 36px);font-style:normal;font-weight:900\">\u00bfNecesitas ayuda?<\/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:68%\">\n<p class=\"is-style-default wp-container-content-663c14dd\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Inicia sesi\u00f3n para administrar tu cuenta de MetLife o para acceder a formularios de reclamaci\u00f3n y recursos adicionales.<\/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:\/\/[oeme_benefithub_disability_claim_form_url]\" data-type=\"page\" data-id=\"63\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.metlife.com\/MWBwelcome\/claim-forms\/\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u00f3mo presentar un reclamo<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfPor qu\u00e9 considerar la discapacidad a largo plazo? LTD puede ser una parte fundamental de la planificaci\u00f3n financiera. Puede ayudarlo a cubrir los gastos de manutenci\u00f3n, las facturas y otras obligaciones mientras se concentra en la recuperaci\u00f3n o rehabilitaci\u00f3n. Sin cobertura, la ausencia prolongada del trabajo puede crear una tensi\u00f3n financiera significativa.&nbsp; C\u00f3mo funciona \u00bfNecesitas [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":50,"parent":22,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/pages\/12","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/comments?post=12"}],"version-history":[{"count":3,"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/pages\/12\/revisions"}],"predecessor-version":[{"id":119,"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/pages\/12\/revisions\/119"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/pages\/22"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/media\/50"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/robertferrilli-es\/wp-json\/wp\/v2\/media?parent=12"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}