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Dun & Bradstreet Benefits Center

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What is the Definition of Disability?

A disability is an inability to work due to a sickness, or as a direct result of accidental injury and the following occurs:

  • The employee receives appropriate care and treatment and complies with the requirements of such treatment; and
  • The employee is unable to earn more than 80% of pre-disability earnings at his or her own occupation.

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When Do I Report A Claim?

  1. If you are absent from work due to sickness, accidental injury or pregnancy, you must notify your Leader on the first day of your absence or sooner if a planned event. Note: advance notice should not exceed 10 days.
  2. If you will be absent from work for more than 7 consecutive calendar days, you must report your absence by calling the MetLife Disability Claims Center at 1-800-858-6506. The Claims Center is available 8am - 8pm EST Monday through Friday.
  3. You must report your absence to the MetLife Claims Center to initiate your claim for disability benefits. When you reporting your absence, a Customer Service Consultant will ask you to provide some basic information, including:
    • Personal Information - name, address, telephone number, and social security number
    • Job Information - job title, workplace location and address, work schedule, and date of hire.
    • Dun & Bradstreet Contact Information - leader's name, e-mail address, telephone number, HR business partner's name, e-mail address and telephone number.
    • Sickness/Injury Information - last day worked, nature of the illness, how, when, and where the injury occurred, and when disability commenced
    • Physician Information - name, address, telephone number, and fax number for each treating physician
  4. All claims for disability must be reported to MetLife. MetLife will certify your claim for eligibility under Dun & Bradstreet's salary continuation program. In addition, certain states have laws mandating disability benefits. If you work in California, Hawaii, New Jersey, New York, Rhode Island or Puerto Rico state laws apply. (see Statutory Disability Section)
    1. Within a few business days of your initial notification, a MetLife Case Manager may contact you to discuss:
      • The information you reported to the Claims Center
      • Your medical condition, including the impact it has on your ability to do your job, and your treatment plan
      • The evaluation procedures under the disability program
    2. Your physician will be contacted to discuss your medical information, treatment plan, prognosis, and functional abilities.
    3. Your Leader may be contacted to discuss your specific job duties in detail. Confidential medical information will not be shared with Dun & Bradstreet. Only your physical abilities as they relate to your job requirements will be discussed.
    • Advise you that your disability is approved
    • Discuss your expected return-to-work date
    • Inform you how frequently your case will be re-evaluated and when to expect to have your doctor to provide follow-up information.
    • Contact you to explain why
    • Inform your Leader of the claim denial
    • Send you a formal letter that states the reasons for the denial and explains the appeal procedure.
    • You are receiving 100% salary continuation: endorse the checks and send them to your Payroll Coordinator
    • You are receiving 70% salary continuation:- keep up to 30% of your weekly state disability benefit and remit the balance to your Payroll Coordinator.
    • You are receiving 100% salary continuation: endorse the checks and send them to your Payroll Coordinator
    • You are receiving 70% salary continuation:- keep up to 30% of your weekly state disability benefit and remit the balance to your Payroll Coordinator.
    • For any paid portion of the leave, your contributions for group benefits such as medical, dental, life, spending accounts, and LTD will continue to be deducted from your pay check.
    • For any unpaid portion of your leave, your benefits can be maintained by remitting monthly premium payments for which you will be billed directly. You will receive information from the Dun & Bradstreet Benefits Center at Fidelity.
    • Contributions to the PP/IP will be discontinued during any unpaid portion of your leave and will commence in your first paycheck upon your return to work.
    • During the first 60 days of leave, there will be no effect on vacation entitlement. However, for each month of leave in excess of 60 days, one day of vacation will be deducted from the current year allotment.
    • Employees on a leave of absence in excess of 60 days should have their percent of merit increase prorated for the number of full pay periods absent (24 per year). For example, a employee on a leave of absence from August 1 through October 30, would have his/her merit increase reduced by 2/24ths.
    • Employee on leave of absence in excess of 60 days during the plan year (January 1 - December 31), should have their GBO amount prorated for the number of full pay periods (24 per year). For example, a employee on a leave of absence from March 1 through June 30 would have his/her GBO reduced by 4/24ths.
    • Holiday pay is not available to employees while on an unpaid leave of absence. However, earned vacation, personal days, anniversary day, and floating holiday time may be used, at the employee's direction, to offset this unpaid leave.
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    What to Expect - Initial Notification

    Your Medical Information
    The release of your medical information to MetLife is critical to the evaluation of your disability claim. Therefore, inform your physician(s) that MetLife will be administering your claim and authorize the release of your medical information to the MetLife claims office.

    In addition, an Authorization to Disclose Information About Me form will be mailed to you from MetLife immediately after you report your claim. You should sign and return this form as soon as possible. This release authorization will expedite the processing of your claim.

    Once you report a claim to MetLife, you will be assigned a unique claim number. To ensure timely processing of your claim and any follow up documentation, your claim number must be indicated on all correspondence sent to MetLife by you and your physician. Please provide your claim number to your physician's office and instruct them to indicate this number on all documents sent to MetLife relative to your claim for disability.

    What to Expect - Claims Decision

    Claim Approval
    If MetLife approves your disability claim, Dun & Bradstreet salary continuation payments will be issued (see Salary Continuation section). You will receive a letter from MetLife confirming your benefits have been approved and your Leader will receive notification through e-mail.

    Also, the Case Manager may contact you to:

    Please note: Payment of Dun & Bradstreet salary continuation is based on continued certification of disability by MetLife.

    If you continue to be disabled and are eligible for Long Term Disability (LTD) benefits, you will receive a package which contains information about applying for Social Security benefits and other pertinent forms required to begin processing your LTD claim. Upon approval, monthly LTD benefit payments will be issued.

    Claim Denial
    If your Disability claim is not approved, in whole or in part, the Case Manager will:

    You have the right to appeal the denial of your claim within 180 days of the date your claim was denied.

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    Return to Work

    You must also notify MetLife and your Leader to advise them that you have returned to work. If you return to work prior to the date certified by MetLife, you must provide a note from your physician allowing you to return to work.

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    Salary Continuation

    Dun & Bradstreet provides a salary continuation program for employees who are approved by MetLife for Short Term Disability. The duration of your salary continuation is based on length of time MetLife determines you are disabled and the percentage of pay is based on your years of service with Dun & Bradstreet. A maximum of 26 weeks of STD leave is available in any consecutive rolling 52 week period. Your paycheck or deposit advice will be mailed to your home on a semi-monthly basis.

    The salary continuation payment schedule is based on the number of years you have worked for Dun & Bradstreet as follows:

    Years of
    Service
    (up to)
    Weeks Available
    @ % Pay *
    Additional
    # Weeks
    Available
    @ % Pay *
    <1 26 @ 70%  
    1 8 @ 100% 18 @ 70%
    2 8 @ 100% 18 @ 70%
    3 8 @ 100% 18 @ 70%
    4 8 @ 100% 18 @ 70%
    5 10 @ 100% 16 @ 70%
    6 12 @ 100% 14 @ 70%
    7 14 @ 100% 12 @ 70%
    8 16 @ 100% 10 @ 70%
    9 18 @ 100% 8 @ 70%
    10 20 @ 100% 6 @ 70%
    11 22 @ 100% 4 @ 70%
    12 24 @ 100% 2 @ 70%
    13 26 @ 100%  
    >13 26 @ 100%  
    * Upon MetLife Certification

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    Statutory Disability

    With the exception of New York, if you work in one of the disability mandated states (California, Hawaii, New Jersey, New York, Rhode Island or Puerto Rico) state laws apply, you must also file a claim directly with the state. See below for state specific information.

    New Jersey
    If you work in the state of New Jersey, you must file for disability benefits directly with the state in addition to filing with MetLife. Claims must be filed within 30 days of the beginning of the disability but not before your last day worked.

    Complete the NJ Temporary Disability Claim Form. You (the Claimant) must complete Part A, Your Doctor must complete Part B and Your Payroll Coordinator must complete Part C.

    Attention Payroll Coordinators: When completing Part C, Section 5d, Continued Pay, please check the box before #4: Difference between regular wage and disability benefits to be received. This will inform the state that NJ disability benefits will be used to offset salary continuation payments.

    For more information about the NJ Disability Program, access the state web site at www.state.nj.us/labor/tdi/tdiindex.html or call (609) 292-7060.

    If you receive benefits from the NJ Disability Program and

    New York
    If you work in New York, state benefits are insured through MetLife. Your call to MetLife serves as your notice of claim for NY State Disability benefits. No further action is necessary.

    California
    If you work in the state of California, you must file for disability benefits directly with the state in addition to filing with MetLife

    Complete the California Claim for Disability Insurance Benefits. You must complete and sign the Claim Statement of Employee section and Your Doctor must complete and sign the Doctor's Certificate section. Submit your claim no earlier than 9 days--but no later than 49 days--after the first day you became disabled.

    For more information about California Disability Insurance, access the state web site at www.edd.cahwnet.gov or call (800) 480-3287.

    If you receive benefits from the CA Disability Program and

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    Short Term Disability Effect on Benefits, Merit Plan, Incentive Plan

    Group Benefits

    PP/IP

    Vacation

    Merit Pay

    Bonus Pay (GBO)

    Holiday Pay

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    Disability Contact Information

    MetLife Disability Claims Call Center (800) 858-6506
    To Check the Status of a Disability Claim (800) 300-4296
    New Jersey Disability (609) 292-7060
    California Disability (800) 480-3287

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