Disability Insurance

Disability insurance provides financial support in the event that an illness or injury prevents an individual from working. Our offerings include Short-Term Income Protection, designed to cover temporary periods of disability; Long-Term Income Protection, intended for more extended absences from work; and a Hybrid Disability Plan, which integrates features of both short- and long-term coverage. These options are structured to help maintain income continuity and financial stability during periods of work interruption.

2025 Short Term Income Protection

NOTE: This information is for employees with VRS Plans 1 & 2 and permanent part-time employees. Employees with VRS Hybrid Plan may enroll in MetLife Short Term Disability as a new hire for one year and then will use Hybrid Disability.

This coverage replaces 60% of your income for up to 13 weeks, minus the benefit waiting period you select, if you should be unable to work due to illness or injury. Income protection can help you handle essential living expenses if you are unable to work.

How to File a Disability Claim

Rates

Plan Documents

Long Term Income Protection

Effective January 1, 2017, MetLife will provide our Long Term Disability Income Protection coverage for full-time employees in VRS Retirement Plan 1 or Plan 2 who have completed six months of service. MetLife benefits replace 60% of an employee’s covered salary after 90 days of disability.

Note: VRS Hybrid Plan members are covered by the Hybrid Disability Program.

Core Coverage

The County provides the core coverage to protect annual salary up to $50,000. Eligible employees are automatically covered at no cost.

Buy Up Coverage

If your annual salary is above $50,000, you may apply to protect your salary above $50,000. You may elect to cover your salary above $50,000 without answering health questions within 1) 31 days of the date you complete six months of full time service or 2) within 31 days of the date your salary exceeds $50,000, whichever is later.

  • To enroll during the 31-day period when you are first eligible for buy up coverage: send your LTD Buy Up Enrollment Form to HR Benefits.
  • To apply after the 31-day initial eligibility date: send the MetLife Statement of Health Form (evidence of insurability) directly to MetLife for approval. MetLife will notify HR if your application is approved. If approved, HR will contact you regarding payroll deductions.
  • LTD Buy Up Rate: $0.468 per $100 of covered salary.

Example:

$70,000 (annual salary) – $50,000 (core coverage) = $20,000 for Buy Up coverage
$20,000/$100 = 200 (number of 100’s of covered Buy Up salary)
200 x $0.468 = $93.60 (annual cost of covered Buy Up salary)
$93.60/24 pay periods per year = $3.90 biweekly payroll deduction for the additional $20,000

 LTD Plan Resources

How to File a LTD Claim (for disabilities that begin on or after January 1, 2017):

Hybrid Disability Program

Henrico County provides a program of short-term and long-term disability benefits for employees that are members of the Virginia Retirement System (VRS) Hybrid Retirement Plan. The VRS Hybrid Retirement Plan does not offer disability retirement benefits. Instead, this disability program for VRS Hybrid Retirement Plan members is provided and fully paid by the County in accordance with state law.

Resources

Hybrid Disability Program Documents

For their first year of employment, Hybrid Plan members may enroll in the MetLife Short Term Disability/Income Protection. Enrollment provides income protection during the one-year eligibility period before filing a claim under the Hybrid Disability Program.