Protect Yourself, Your Practice & the People who Rely on You Disability Insurance Strategies As You Start Your Career Presented by: Your Name

Be realistic Be proactive Be confident

What is the #1 cause of disabilities? (Since 2005) D. Accidents at work A. Accidents at home B. Musculoskeletal disorders C. Spine and nervous disorders 2011 CDA Long-Term Disability Claims Review

What is the #1 cause of disabilities? (Since 2005) B. Musculoskeletal disorders 2013 CDA Long-Term Disability Claims Review

New claims were approved that year; existing claims are ongoing but approved in prior years CDA Long-Term Disability Claims Review. Percentage of LTD Claims Claim Diagnosis CategoryNewExistingNewExisting Musculoskeletal/Connective Tissue Nervous System–Related Cardiovascular/Circulatory Cancer and Neoplasms Injury and Poisoning Mental Disorders Respiratory System Symptoms, Signs and Ill-defined Infections and Parasitic Diseases Digestive System Genitourinary System Endocrine, Nutritional and Metabolic Diseases, and Immunity Disorders Complications of Pregnancy, Childbirth and the Puerperium Skin and Subcutaneous Tissue Congenital Anomalies Blood and Blood-Forming Organs Other

How many 20-year olds are likely to suffer a disability? A. 1/4 B. 1/10 C. 1/15 U.S. Social Security Administration, Fact Sheet February 7, 2013

How many 20-year olds are likely to suffer a disability? A. 1/4

True False U.S. Social Security Administration, Fact Sheet February 7, 2013 Working men are more likely to become disabled than working women.

False U.S. Social Security Administration, Fact Sheet February 7, 2013 Working men are more likely to become disabled than working women.

Percent of New Long-Term Disability Claims by Gender 2013 CDA Long-Term Disability Claims Review

The average disability lasts… D. 10 years A. 6 months B. 1 year C. 3 years Gen Re, U.S. Group Disability Rate & Risk Management Survey 2012, based on claims closed in 2011 Gen Re, U.S. Individual DI Risk Management Survey 2011, based on claims closed in 2010

The average disability lasts… C. 3 years Gen Re, U.S. Group Disability Rate & Risk Management Survey 2012, based on claims closed in 2011 Gen Re, U.S. Individual DI Risk Management Survey 2011, based on claims closed in 2010

What was last year’s average Social Security benefit amount? U.S. Social Security Administration C. $1,130 B. $1,580 A. $2,150 D. $975

What was last year’s average Social Security benefit amount? U.S. Social Security Administration C. $1,130

U.S. Social Security Administration Nearly all disabled workers who have qualified for SSDI receive less than $1,500 per month.

Be Realistic

“I never thought it could happen to me.” MetLife Study of the Emotional and Financial Impact of Disability, March 2010

Potential Lifetime Income (In Millions) Calculations are only based on income from the age noted until age 65. They do not include income outside this timeframe, potential salary increases, investments or taxes. Salary 100k150k200k250k Age

Disability Costs Salary & Incentives Advancement Savings & Interest

Be Proactive

MetLife Study of the Emotional and Financial Impact of Disability, March 2010 “Make sure you have disability insurance through your job or buy it on your own. I did and it saved my life.”

Joe Age: 35 Married with kids Annual pay: $275,000 Scenario is hypothetical only and does not depict the results of any actual disability income insurance policy. The provisions in an actual policy, including benefit amount and premium, depend on the individual circumstances.

Joe’s Disability Plan Benefit= $13,750 Group Disability Insurance Monthly Benefit= $13,750 $275,000 Working Income 60% Salary

Group Disability Insurance Joe’s Disability Plan Monthly Benefit= $12,500 $275,000 Working Income 60% Salary - Incentive Pay Covered Income $250,000

Group Disability Insurance Joe’s Disability Plan Monthly Benefit= $10,000 $275,000 Working Income Covered Income $250,000 60% Salary - Incentive Pay - Max Benefit

Group Disability Insurance Joe’s Disability Plan Monthly Benefit= $7,500 Covered Income $250,000 $275,000 Working Income 60% Salary - Incentive Pay - Taxes - Max Benefit

60% Salary - Incentive Pay - Taxes - Max Benefit - Ownership Group Disability Insurance Joe’s Disability Plan Monthly Benefit= $0 $275,000 Working Income $0 Covered Income

Group Disability Insurance + Personal Coverage Closer to Whole Joe’s Disability Plan Monthly Benefit= $7,500 Individual Monthly Benefit= $5,000 $275,000 Working Income $275,000 Covered Income

Individual Disability Insurance

 Income: $112,000  Noncancellable and Guaranteed Renewable Disability Insurance with a Residual Benefit Rider  Monthly Benefit: $5,000  Waiting Period: 180 days  Benefit Period: To Age 65 Results may vary, based on your specific situation. Meet Sarah

Results may vary, based on your specific situation. Waiting period ends Premiums waived after 90 days Disability strikes 180 days Eight months Full tax-free monthly benefit paid See how Sarah’s disability insurance policy protected her

Results may vary, based on your specific situation. Full tax-free monthly benefit paid Disability strikes Eight months One month part-time Partial monthly benefit paid Back to work full-time Benefits stop Waiting period ends Premiums waived after 90 days 180 days

See how Sarah’s disability insurance policy protected her Results may vary, based on your specific situation. Disability strikes Eight months Back to work full-time Benefits stop Premiums resume Full tax-free monthly benefit paid Partial monthly benefit paid Policy remains One month part-time Waiting period ends Premiums waived after 90 days 180 days

Disability Insurance Solutions Replace a portion of your personal income: Individual Disability Insurance Help cover everyday expenses: Business Overhead Expense Insurance Buy out disabled co-owners: Buy-Sell Insurance Provide for disabled employees: Salary Continuation Plan Protect Yourself And Your Practice

Finding the right plan for you.

Be Confident

What if I need it but I don’t it? have

What if I need it but I don’t it? have need have

“If insurance is offered be wise and take it. You never know if or when you will ever need it, but it could mean the difference between surviving through a disability financially or not!” MetLife Study of the Emotional and Financial Impact of Disability, March 2010

1. Assess your income needs. 2. Review your current plan and/or the plan offered by your employer. 3. Evaluate other funding sources. 4. Know what you’re looking for. 5. Choose an insurer you can rely on.

MetLife Disability Insurance Non-cancellable and guaranteed renewable policies available Competitive rates + possible discounts High coverage limits Specialty language or a Your Occupation rider in most states Security and flexibility All from a company you know and trust Features vary by policy and state availability. Use this and the next slide for medical/dental groups

OccupationMonthly Benefit Limit Medical First-Year Physician$7,500 Fellow; MD/DO Resident or Intern$5,000 Student (3yr+)$2,500 Dental First-Year Dental Specialist$6,000 First-Year General Dentist; Resident$4,000 Senior Dental Student$2,500 MetLife Starting Practice Limits

MetLife Disability Insurance Non-cancellable and guaranteed renewable policies available Competitive rates + possible discounts High coverage limits Customizable options Security and flexibility All from a company you know and trust Features vary by policy and state availability. Use this and the next slide for young professionals

OccupationMonthly Benefit Limit First-year architect, attorney, CPA, engineer, optometrist, pharmacist or veterinarian $4,000 Final-year students enrolled in accredited schools for these occupations; final year MBA Student; veterinary residents and interns $2,500 MetLife Starting Practice Limits

Please fill out an evaluation form and take one of the hand-outs.

Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your representative about costs and complete details. All policies and riders may not be available in all states, at all issue ages and to all occupational classes. Ask your representative for complete details. Eligibility is subject to underwriting approval. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy. Disability income insurance is issued by Metropolitan Life Insurance Company on IDIP – IDIP 12-08, IDI2000-P/NC, IDI2000-P/NC-ML, IDI2000-P/GR, AH 5-88, AH 6-90, AH 7-96-CA and AH 8-96-CA. September 2013 MetLife Metropolitan Life Insurance Company 200 Park Avenue New York, NY CLDI23500 L [1015] © 2013 METLIFE, INC. PEANUTS © 2013 Peanuts Worldwide