MetLife Disability Policies

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Bonnie of Billerica, MA March 26, 2008

Bonnie of Billerica MA (03/26/08)
I Have been harassed by Metlife, I am also disabled and Metlife continues to put me through hell, so I hired an attorney here in Boston for my appeal. I'm too sick to deal with metlife. I had a hard time finding a lawyer to represent me against a private ins co., everyone does social security. I am definitely in if anyone wants to proceed with a class action suit! We should, so the elderly people and people who are just too sick to deal with it and can't afford a lawyer can get justice and be paid for their hard work and dedication to their companies and or premiums they paid for themselves.

Metlife had 45 day's to review my appeal and then took an additional 45 days, do they think this isn't effecting peoples lives? I have no Insurance, no Income, nothing! Thank goodness for my son's dad (my Ex-husband). I am living with him and he is supporting me. I hope I can pay him something eventually. I often think of the people who don't have what I do have and I'm still suffering.

Due to metlife's report and decision, my company fired me when I didn't return to work on the day metlife told me to, and I lost all my benefits even though I had filed the erisa appeal. I was told that when you file this appeal your not supposed to be fired, however I guess Verizon doesn't have to follow laws rules or regulations. I worked over 11 years there and I have worked since I was 16 and now I'm sick and I get harassed. At least 5 doctors have documented my illness in the past 5 years and I worked with it until I could no longer work and boom, let the paperwork harassment began! Good Luck. My advice hire a lawyer asap!

I have no Income and I would be homeless if my ex didn't take me in. I have lost my self image, my self worth, depression from what Metlife has put me through. Not only do I have to deal with my physical disability, I then had to deal with being harassed constantly while I try to have some kind of life I was left with by my illness. They treat you like dirt and they really don't care, even my doctor complained that metlife was harassing her and her staff constantly, My doctor asked me to maybe forgo metlife and go for social security, because of the harassment, so even my doctor that put me out on disability couldn't deal with them.

Erin of Elk Grove, CA March 24, 2008

Erin of Elk Grove CA (03/24/08)
I have had to deal with MetLife through my employeer, Verizon Wireless, twice within 3 and a half years. My first experience was due to pregnancy. I was taken out by my OB/GYN at 36 weeks gestation, which in California, 36 weeks until time of delivery is qualified for state disability. Well I filed my claim in July of 05 and returned to work October 6, 2005. I never received a denial or approval letter but on December 29, 2005 my HR department brings me down for a final written warning for my Short term disability being denied from July 05 through September 19, 2005. When I gave birth in August. Metlife tells me that being taken out at 36 weeks gestation is not qualified for disability regardless of state regulations. This was hilarious to me since State superceeds federal in this case. Then when I tried to appeal it, it was too late since they state they called me and sent notification, which neither were received, in July and that I was past the 180 days appeal period.

Now I am in my second war with Metlife yet again. I was taken out on February 25, 2008 for disability for high stress anxiety and other complications. I notified Metlife on March 1, 2008. Well I get the paperwork for my Short Term and FMLA one dated 3/3/08 and the other dated 3/4/08. The ST, the paid portion, has a 10 days from date of letter due date while the FMLA, the unpaid portion, has a 15 days from date of letter due date. However I received both packages on Friday 14, 2008 in the afternoon. So on Monday I go to kaiser and submit the forms which will have a 15 business day turn around. So I call Metlife to advise them that I just received the paperwork and that I would need an extension with the due date due to Kaiser's processing. I leave a message with my case manager who calls back the following day and just says to call her.

Along comes payday and I have no pay. Why? Because my case worker denied my claim because no health care provider information was recieved on Monday 3/17/08 even though she did recieve a message. So I have been told once the information is received to fax a dispute letter with my health care provider information and FMLA forms, which won't be ready until April 4th and once recieved MetLife will take 5 business days to review the information and it may be approved. If anything is questionable they may escalate it, which may take up to an additional 45 business days before a conclusion is made. So this leaves me and my 2 children without any money until I return to work or this claim is approved, whichever is sooner. Meanwhile I may be evicted from my apartment that I have lived in for 4 years and mess up my credit score which I was trying to preserve to buy a house for my family, and leave my family hungry and without power or water. And worse of all, my daughter will be kicked out of preschool, since that is not free, and this impacts her educational future which is the future of our world when my generation is no longer here.

Sheila of Adelanto, CA March 19, 2008

Sheila of Adelanto CA (03/19/08)
I am writing because I just can no longer keep silent about the many injustices that Metlife long term disability has been able to do to people and get away with it. I worked for The Home Depot for 14 years. I became disabled in 12-06 and had to get on state disability and then applied for long term disability, and was approved. But now that my state disability has ended and metlife has to pay the full amount, they are now saying that suddenly I am able to work even though the disks in my lower back are shattered, bone on bone and I am, according to my specialist, my physical therapist, and primary Doctor, surgical. Metlife is forcing me to go 60 miles from home to take a test just so that they can get someone to say that I can work in this condition. I can hardly walk. My left leg is totally numb and I paid on this premium for 14 yrs. just so that I would not end up 50, sick and unemployed. Where is the justice for honest people?

I am in constant, chronic, sever pain. I am depressed. and cannot sleep because of the pain. I cannot walk, I cannot stand or sit for long periods. Everyone should refuse to use metlife's services and put them out of business once and for all.

Carl of Grabill, IN March 11, 2008

Carl of Grabill IN (03/11/08)
In approx. 2002 I had a massive stroke in Texas. (I live in Indiana) The company I worked for had taken a lifetime disability plan out on me. I had just made it over the waiting period for the policy. I spent over a week in the hospital in a semi comatos state. I am now unable to work due to epilictic seziures from the stroke. Partially blind, lose of memory and some lose of use of the whole right side of my body.

Due to the slow response of Metlife in paying up I have had to file for bankruptcy, I'm gonna lose my house, and my wife left me due to the stress. And now since I am recieving SS they say that what they did pay me was too much. So here it is about 6 year later and Metlife is just about paid off and I am alone and bankrupt. Unable to work and if I was who would hire me? I am gonna have to file for goverment assistance for housing give up my dog my psychistrist wanted me to get so I would have a reason to get up in the morning. The economic and physical damage I can work thru, but how do you put a 'price tag' on your mental and emotional damage this has caused?

Parquitta of Miami Gardens, FL February 10, 2008

Parquitta of Miami Gardens FL (02/10/08)
I was injured in a slip-n-fall incident in a department store on May 15, 2007.  Not knowing my injuries, I continued to work. I started experiencing swelling and pain in my foot.  I went to the hospital where I was examined and placed in a cast.  I had to follow-up with an orthopedic specialist.  He ordered an MRI which showed a sprain and tendinitis and knee pain. I started physical therapy in July. During therapy I started to experience radiating pain up my right leg.  My doctor ordered a second MRI which showed a herniated disk, nerve damage, and an anular tear.  Therapy didn't help, and I was referred to pain management. I've had 3 procedures on my back, and my pain has only increased.  I am now referred to an orthopedic surgeon for consultation.

I pay for short-long term insurance at my job.  I applied and was given benefits until October.  I've been denied benefits since then.  I appealed and was denied again.  My doctor says I cannot work in my condition.  I can't do house chores since the accident.  I am a single parent of four; my oldest is in college, and I have to help her, and my mom is also my responsibility.  I have no other help.  Could you please help me or refer me to the right source?

I'm about to lose my home, my credit is not good, and my daughter is about ready to quit college.  I'm physically hurt and mentally and emotionally drained.  I've always taken care of my household, and all that has ended.  I am just in a miserable state.  I hurt every day, all day.

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