MetLife Disability Policies

MetLife • Auto • Disability • Life • Long Term Care • Billing • MetLife's IPO

Eric of Oakland, CA June 23, 2009

On September 24, 2007, I sustained an injury while on the job. MetLife's disability insurance was purchased through the union and premiums were paid through Mar 2009 when my sick pay was exhausted. I applied for benefits on October 2007 and to this day, I keep getting obstacles to overcome before I would even be considered for benefits. On June 20, 2009, I received a packet that I had to verbally request from Ms. Bruce explaining the process that is preventing me from any benefits. The packet stated that information needed to be returned to them by June 19. Mind you, I got the packet on the 20th. It seems that they will do anything to avoid paying benefits without a denial.

Okimma of Sacramento, CA June 18, 2009

In september of 2007 i was was brutally attacked by my ex husband at work to wear i had to go on short term disability which I ended up being out longer than expected so i was told by my employer that they had started a ltd with metlife for me because i had been diagnosed with anxiety and post traumatic stress from the attack and having to testify against my ex husband.

I was asked by metlife to fill out this book of paper work and have my dr do so as well they kept saying they didn't receive it they need more info and everytime i sent it the last and final time was 05/27/2009 i watched my dr fill out the paperwork and fax it over to them and get a comf number stating that the fax was sent they called me and adv that the claim had been denied for not enough info supporting my claim adv that i was released to go back to work on 01/29/2008 which was the date my ltd payments should have started from them however i was still going to court and seeing my victims of violent crimes counselor and recieving std payments and they had the documents saying that i was released to go back on the 13th of apr 2009 per there rep

due to them not paying me I lost my car,house, medical benefits, and had to beg to return to work so that my benefits could kick back in so that i could continue treatments

Amber of Orange Park, FL May 5, 2009

In October of 2008, I started having horrible pain in my abdomen. My doctor starting doing tests to try to figure out what was going on and decided that I should stay out of work until we could figure out what was going on. I called my boss at Citi to inform him of this and he proceeded to tell me about Metlife and that I should call them and get started on the claim. I did that and they told me what they needed. My doctors office as well as myself, faxed over all the medical information that they needed. They said it wasn't enough information for anything and asked that we had the Doctor call.

I was in the doctors office atleast twice a week from October till November when my primary doctor said after my cat scan that I should go to a specialist. I went to see the specialist and he said that I needed to go into Surgery, which I did on December 10th 2008 for Laproskopy. When I found out that date, I contacted MetLife and told them of such. On that day they called and left several messages even though they had on file the day and time I was going into surgery. I had a family member dealing with them at this because I could not understand why they weren't approving me.

In December I was finally approved for part of October's absence. Which Citi managers are saying they already paid me for my disability in October, which they haven't. Yet the regular customer service people also say that I have not been paid anything. Since December the only thing that they've been saying is we need more information we sent over all my medical records when they recieved that we contacted them two days later and they said that that wasn't enough they needed a letter from the doctor stating the scale of the pain on a 1 to 10 base, why I've been out for so long, when my follow ups are and what my restrictions are.

Then when recieving said letter, we were told that it was just a letter that there is no medical information to support that. They also said that their nurse says that I could be going to work this entire time. My doctor still hasn't released me to go to work yet, and as it stands I'm on an experimental treatment. I am on and have been on various pain meds since October. I recently recieved a letter from my job saying that I will have resigned my job as of April 30th because MetLife told them that I hadn't appealed yet, when I wasn't even informed that I had been declined, since the last information that we sent them. Also they said since I have an original appeal letter in the file that that would be my appeal letter once it actually got to the appeal process.

I called recently to figure out what was going on when I recieved that letter a week and a half ago, and they said well you're still in appeals let me pass you over to the manager that should be handling your case. They do so and that manager is on vacation until June or July 27th. Every other time I call they say that their systems are down and noone will talk to me. They have been giving me a run around for the past few months, and wont approve me because apparently endometriosis isn't a reason to stay home.

The doctors have even said I have a rare case where one its burrowing into my organs and well as the fact that it is growing rapidly for some reason. Both of the doctors I have been seeing have said I can not go to work. But because MetLife says I should be able to they won't pay me for my disability. Its either not get paid by MetLife and stay home and have my normal insurance pay all my medical bills for surgery and the medicines and the pain killers and follow up sessions I have to go to, or I break the law drive in horrible pain to work taking my pain pills at work and have my insurance not pay my medical bills because the Doctors said I shouldn't be going to work. I'm still not released to do so. I'm still on pain meds and muscle relaxers all the time.

Dennis of Hamilton, NJ May 11, 2009

IV paid out of pocked for one of MetLifes LTD policies for 27 years! Mever having to use in until just recently. They started paying my claim right away. But only 50% of my income. Now keep in mind, that IV worked for the same company for 27 years. I was forced to file for SSD and was also told by MetLife that If I had any savings or even sold my vehical, this would result in an overpayment and I would have to send them 100% of any financail gain I should get. I won my workmans comp. and was paid three years of my former salary. But I was also terminated by my company, becasue they claimed I was no longer employable. So MetLife decided to stop my LTD until I paid them everything I won in my wrokmans Comp. settlement. Wich was only two years salary lump sum.

Lynette of Middletown, DE April 15, 2009

I had to have surgery to remove a thyroid nodule on February 24,2009. I filed a short term disability claim with MetLife through my employer, Citigroup. I went out and had the surgery and went for a follow-up with my surgeon on March 12, when he told me there was cancer found and I had to have the other half removed, which I did on April 10th. I was told by a case manager at Met Life I wouldn't have been covered for another short term claim for six months. My surgeon told me there was no way I could wait that long so he wanted me to stay out until my next surgery and then once my recuperation was done from that then I could be cleared to go backto work, depending on the findings and the subsequent appointment to an oncologist if needed.

I was supposed to have gone back to work March 16th but my surgeon wanted me to stay out. I did not receive a pay on the 31st of March and when I inquired about it apparently they sent a letter to my manager that the extension was denied but I never received a letter. So, they eventually did approve an extension up until March 31st but after that they needed more info from my doctor. I was only going by what my surgeon said to me which was why I didn't go back to work, and I only had 10 days to go until my surgery.

I was then told this extension was denied because THEIR doctors didn't see a reason for me to be out. THEIR doctors will say anything in order not to pay. It's not April 15th and I didn't get paid today. They even went so far as to tell me to work a half a day the day before my surgery so I'd be paid for the time after that! MY DOCTOR DIDN'T CLEAR ME TO GO BACK SO WHY WOULD I DO THAT??????? More calls, even by my mother to them, and I still have to wait until tomorrow to hear more. This has been a nightmare.

Because of me not receiving a pay from the 31st of March until April 9th, a bunch of payments bounced and our bank account went 300.00 overdrawn. It looks like this will happen again only worse. I know he will not clear me to go back to work now since it's been less than a week since my surgery. My nerves have never been so bad and it's taking a HUGE toll on my marriage. I can't deal with these people anymore. This is why I hate insurance companies and I had to step up, especially after reading these other people's complaints.

Mark of Winston Salem, NC April 6, 2009

Went out for minor surgery(carpel tunnel) February 2009 and claim was filed by my employer. Took release of records to Metlife to Dr's office 2/25/09, the day after I received the letter. I received a letter dated 2/20/2009, postage machine stamped 2/23/2009 on 2/26/2009, stating that If we do not receive a call from your physician by 2/27/2009, we will make our decision based on the information alreaady contained in your file. Called Physician's office, was informed that they do not release records over the phone. Called Metlife and informed them of this policy, and was told tht they needed more information. I then told Metlife they needed to send a form to fill out via fax to the Dr.

After many calls to Metlife, was informed today, 4/6/2009 that they were denying my claim. Have had to go into my savings account to pay bills, while making several heated phone calls to Metlife. Mother is in a rest home and I go to see her every day, having problems with them over her bill, and dealing with death of son in law 3/20/2009. In addition, have had several furloughs from work due to the economic situation, further depeleting my funds.

Mark of Las Vegas, NV February 24, 2009

In 1997 I was injured at work resulting in a long term disability. Metlife is my carrier. First off Metlife immediately had attorneys who handled this with Social Security to avoid having to pay. I am now totally disabled and on Social Security. Every year Metlife sends me a form that my physician needs to fill out. This is not covered by insurance and is an out of pocket expence. For the past 7 years on line 8 of their form my physcian states I can NEVER work again. Yet every year they require this. This year I sent them a cerified letter asking what part of NEVER is it they don't understand. Now Metlife calls again with they're recorded conversation and says we need your physcian to fill out this form. To me this is nothing but harassment by Metlife to try and end my claim.

Carmen of Punta Gorda, FL February 16, 2009

I paid LTD for many years. When I left the company US Filter a Siemens Company I was not reminded, offered or recommended to file for LTD. I was in such pain, fatigue and stress I forgot I had LTD insurance. I was out of work for approximately eighteen months.

Since 2005 my health depleted, I have been evaluated by several physicians. Thyroid problems, stress and anxiety, fibomyagia and digestive disorders. Because of all these health problems I am to this day having serious economical situations.

Kelly of Louisville, CO January 27, 2009

I was a systems engineer for Cisco Systems for 7 years. Star employee and given many awards for my achievemets. I began experiencing debilitating head pain which caused dizziness, inability to focus, vision problems, etc. I exhausted my short term disbility while visiting numerous doctors including neurologists, chronic pain management doctors, accupunturest, etc. I attempted to return to work with the help of opiod mediations, which seemed to be the only options for chronic neuropothic pain. I failed terribly as I was unable to work more than 20 minutes at a time due to the horrible pain. I last worked in May 2007.

Of course Metlife denied my first request for LTD. I appealed, with the help and expense of an attorney, and they took their 45 days and then another 45 days only to turn me down after requiring me to see 2 quacks who had absolutely no credentials in diagnosing chronic pain. I've had 3 attorneys tell me this is a joke. I have 2 doctors (experts) state that I am totally disabled, yet they feel a conversation with an alleged doctor for 3 minutes is much more qualified to determine my disability.

It's terrible that they continue to get away with this. You're left with no money, no trust, no energy, and your only alternative at this point is to try to find an attorney who will fight for you and only collect if they can win. Metlife needs to be put out of business.

Gregory of Vacaville, CA January 11, 2009

Several years in a row the bill for our annual premium comes with only a few days before it is due. Last year, MetLife's bill was postmarked on their envelope three days after the bill was due. Every year we nearly miss paying it on time. Every agent and customer help rep says, You have up to thirty days after it is due to pay, but I doubt they'd be so accomodating if I was disabled after the due date. GenAmerica under MetLife is marginally better, but teir bills also arrive with nearly no time to mail the check back before the due date. Neither offer on-line payments.

One year they changed the mailiing address for the bill so after we sent it in in advance, we found it was to go elsewhere, causing us to have to cancel the checks and reissue them. No other company (electric, phone, TV. credit card)sends bills out with no time to get the payment on time. I am suspicious this is a poly to make people, particuilarly older people, miss their payments and be out of coverage. Additionally, they do not and refuse to send confirmation that the bill is paid. The reps say, Your cancelled check is your receipt. No other business operates this way. Because we have heard from several reps in different states and the ohone reps You have up to thirty days after it is due and you are still covered. and You're cancelled check is your receipt. we suspect this is part of their formal training. We have asked repeatedly for an earlier invoice and have been refused.

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