MetLife Disability Policies

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Betty of N Ft Myers, FL August 9, 2008

Betty of N Ft Myers FL (08/09/08)
I worked fot tek systems allegis group, my back hurt went to the doc and he said no working i may need surgery. went to dr on 5-15-08 job ended 9 days later i was laid off. hartford did not want to pay std, i filed online and waited i castd i was told lled tek systems who i sub contrated for. after bask and forth i was granted std. i have that then it was to roll over to ltd, because i do not work for tek after being laid off i was told that i was not getting ltd i had surgery on my back.

when i first purchased my isurance i put down ltd, i was called and told to have ltd i had to buy std, so i had these insurance co deduct from my pay check, i went to the doc 5-15-08 he s, i am a telphone woman he said no more work and hwould fill out the std,he did i was approved. in 2 weeks my std will end, i called about my ltd and they said i don't have it, its on my pay stubs,and because i was laid off someone made a mistake and approved my std.

However when i got tek on a 3 way call they aggreed with me i was working when i filed my claim and i had no knowledge i was getting laid off. they cancelled my health isurance while i was seein these doc. i had back surgery which medicade paid for with shared cost. i was lucky and got my cobrsa in on time because after back surgery no one was going to pay for my physical rehab.

I was told today that i had 2 weeks left and will not get my ltd that i had to pay for. I sent my grandson whom i have had custody at birth he is 13 to stay with a friend so he did not see my pain and my upsetting phone calls i have cried gone ito depression i paid on 2 polices and i should go into long term, i was working when i was told disabled when i file i get laid off, weeks i was crying no paychecks because hartford gace me 400 a week i had no food stamps,money for auto insurance got behing in all bills.

however, I can not go back to work have had no rehab still a lot of pain, anixity worry and having a very hard time recovering. I paid for both std and ltd, forced to pay for both to. Now whith 2 weeks to go hartford says i should have never been approved, i dont understand i was working and paid right to the last pay check. I can not help the job ended but i filed before it did.

Joe of Charles Town, WV August 2, 2008

Joe of Charles Town WV (08/02/08)
Ifiled a claim with them July of 2007 for disability resulting from 2 hip replacements while working as a police officer at Dulles airport in Virginia. Metlife first told me they would need extra 30 days after the 60 day time to investigate. They continue to call and harrass me 2 or 3 times a month and also just this week sent me doctor update forms which I can not possibly get back to them before there deadline.

My policy states I have to be able to return to my profession (police work) or they have to pay me for 2 years. The doctor has already told them I can never go back to police work again because of pulling my hips out of place or breaking 1 of them or wearing them out.

The economic damge is I worry every month if they are going to send me a check or am I going to miss paying my mortgage, the electric bill etc. Wht are they going to do to me next? I also am very iritated all the time do to them harrassing and lieing to me and yell at everyone. I can't predict when I will go off.

Jennifer of Carmel, NY July 31, 2008

Jennifer of Carmel NY (07/31/08)
I was 36 weeks pregnant and experiencing cramping especially while sitting at my desk all day. My doctor advised me to stop working and she let Metlife know I was at risk for preterm labor. Allthough Metlife claims they will give you an answer in 5 days, that is never the case. Weeks went by and I still had no paycheck. Then they call to tell me I am denied because the information my doctor provided wasn't good enough. They feel I should have kept working. Now I feel like I am stuck in the middle, was I suppossed to ignore the advise of my doctor? Risk going into early labor at my place of employment?

I had my doctor submit more information and yet they denied me again. I then put in an appeal and submitted even more paperwork from my doctor and I am currently waiting to hear back. They say they have 45 days to give me an answer on my appeal. I am not hopeful. Then on June 9th I gave birth to my son. My maternity ended July 20. Meanwhile, I started having pain in my sciatic nerve during my maternity leave and could barely walk.

I went to my doctor and he said he would advise Metlife my disabilty (or maternity) should be extended 2 weeks. Tomorrow will be the end of the 2 weeks, and I am actually feeling a lot better now and can return to work. However, I still have not been paid for these 2 weeks. It is way past the 5 days Metlife promises and they still say they are reviewing my claim. At this point, they owe me almost 5 weeks of pay. I have 2 babies and need money to feed them! Everyday I call Metlife and get the same answer, they say they will have an answer by the end of the day. My case manager called today and was very rude & sarcastic with me. I am sure when they do feel like actually doing their job and giving me a decision, they will again deny my claim. I personally believe they are just playing games and denying everyone from Verizon, because the company is going on strike in 2 days.

All I did was have a baby and they are cheating me out of thousands of dollars. Furthermoe, I have 17 years with the company and other than last years disbility with the birth of my 1st child, I never was on disability the whole 17 years, and rarely even out sick. This is how they treat their best employees.

I have had to borrow money to pay bills and buy groceries. I am very stressed out every day over money, meanwhile I am trying to take care of my 1 year old and 6 week old. I have had to use my overdraft money and pay finance charges to my bank.

Marion of Everett, WA July 28, 2008

Marion of Everett WA (07/28/08)
Filed for short term disability with Met Life it was approved.Then applied for Long term it was approved along with social security per met life. Nov 07 now in April 08 metlife decided to deny my ltd. May 08 I was released to return to work and sent a letter with my restrictions, and now its July 08 and I start getting letters from Verizon stating my medical insurance has been cancelled with United Health care.

I am in kidney failure with polcystic kidney and need to go on diaylsis as soon as possible now no insurance and verizon wont let me come back to work since they have my restrictions and it now includes a service dog in training, I filed a grievance with my union but all these processes take so long and only social security Im about to lose my car so I wont be able drive to treatments or doctors appts. I NEED HELP AND QUICK!

Robin of Orangevale, CA May 2, 2008

Robin of Orangevale CA (05/02/08)
I began to get sick the end of jan. I went to my GP who then reffered me to a neurosurgeon. I ended up with neurology the begining of Feb. I sent in all the proper paper work I recieved one check feb 24th. They required that I send more paper work, all my records. My doctor was suspesious that i have a neurological disease.

It is now May the 2nd. Met life took their sweet time (3 days after the specified time) to approve my claim, and I still have not recieved a check. I have not been able to fight I have been and still am very sick. I need to file bankrupcy. Now, I may lose my job because I have exceeded my fmla.

Stress everyday because of no funds. Stress makes neuro diseases much worse. Bankruptcy, lack of food for 3 children. May lose car if I dont gethelp quickly. ..too much stress and sick too. No one to fight these people.

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