MetLife Disability Policies

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Diana of Sanford, ME January 14, 2008

Diana of Sanford ME (01/14/08)
I am 32 years old and have worked for the same company operating bindery machinery, for the past 15 years. In June of 2007 I began having seizures and ended up being hospitalized and almost died. What they determined was that I have a rare disease called Hashimoto's Encephalopathy. I have difficulties walking, sleeping, and sometimes even speaking. At times the swelling in my legs and feet is so bad I can see and feel my skin splitting apart. Add to that the risk of having more seizures at any time. None of my doctors will sign papers allowing me to go back to work at this time; I am disabled.

Now Met Life did start out paying for my short term claim for 10 weeks until August. Then I saw no money from them until November. I called nearly every business day, and they requested more information from my doctor. I also was in constant contact with my doctor about the issue, as well as with my employer. Finally I was sent a check for 11 weeks' worth. With that payment, I was sent paperwork to apply for long term benefits, the deadline being November 21 to get this in. I received the papers on Nov.15th! I got them in regardless, and received a letter the following week stating that my short term benefits were shut off. A few weeks later the long term was denied because I hadn't met the 26 weeks required short term. Why did they need the paperwork in if they already knew it hadn't been 26 weeks?

Now, January of 2008, I have had no disability payments since November 15, 2007. Metlife needs more information. My doctor has faxed and re-faxed almost my entire medical history, but yet it isn't enough. I asked Metlife to fax my doctor exactly the paperwork they needed; my doctor faxed back the completed forms. Metlife says the doctor faxed back the wrong forms, yet Metlife was the one to fax the forms to my doctor. This is too much--how do they expect anyone to begin healing if they need to worry about paying the mortgage or starving?

My mortgage payments are now late, as well as the electric bill; telephone will be shut off soon. I'm starving, and my savings has been totally depleted. I've been selling off my personal items to pay bills, and I haven't got money to pay the deductibles for my medical visits. I call Metlife almost daily and speak with a different person each time who tells me something different about my case. What do I do now?

Norma of Columbus, OH December 26, 2007

Norma of Columbus OH (12/26/07)
I became permanently disabled in Aug. 2007. I was on short term payments from my employer's Metlife Disability plan until Sept. 30; then Metlife told me they were stopping my payments. I did what they told me and filed an appeal, and my Dr. also advised them I was disabled. Then I got a phone call from Jill Brown at Metlife who says my appeal is denied because my Dr. said I was not disabled. I was so upset; I didn't know what to do. I called the Dr.'s office and was told it was a lie from Metlife. I was then told no other appeals are allowed. I was so upset and ended up in the emergency room Dec. 5 - Dec. 9, 2007, and now am told the only way to fight for my benefits is a civil action. I don't know how to do that, and if I did know I am too sick to do it or would have a nervous breakdown or die--which is what Metlife probably wants me to do! HELP!

I have no income and am going to end up in the streets; also I cannot handle any stress anymore. The pressure in my chest gets worse everyday over Metlife.

Angela of Chadds Ford, PA December 20, 2007

Angela of Chadds Ford PA (12/20/07)
Apparently, I am not the only one who has had a problem with the Met Life disability program. After paying me for approximately 6 months, they have decided my 6 herniated disks of the lumbar spine and degenerative spinal disease is okay, and I can return to work any old time I want to. There are days when all I can do is stay in bed w/ my heating pad and my medication, and even then the pain runs through my body. One of the attorneys I spoke with suggested a class action suit against Met life. I thought it was not a great idea until I read all of the complaints about them on this website. Might not be such a bad idea after all.

I have worked since the age of 14, put myself through college and graduate school, and taught for 29 years and they're playing games for 100.00 a month. Seems silly but when you add it up, it comes to serious money. Their deal is to knock off as many people as they can so they can profit. My deal is I'm still young enough to fight them. Many elderly people are not. This is how they make their money. For every person who does not fight back, that is money in Met Life's pocket. Well, they're not getting mine. I paid for it. I'm so disabled, SSD never even asked me to file an appeal. There is no surgical cure. The damage is too extensive. My life is ruined, and now Met Life wants to piddle around for 100.00 a month. The most ironic thing in this whole matter is I pay Met Life 94.00 a month for life insurance for my husband and myself. So they're giving it to me with one hand, and I'm giving it back with the other. Is Met Life really that stupid, or is it just me?

Met Life has caused emotional distress from having to prove and reprove that I am in the condition I am in, dealing with case managers who have a superior attitude and no medical knowledge, and being deemed suitable to work from a person I've never even seen, nor spoken with. Their Dr. Saad Al-Shathir better go back and read the highlighted part of the MRI report that says disks are in danger of collapse. Nobody calls me a liar after I have been working for 37 years. It's not like I slipped on an orange peel last week. I have 25 years of documentation, and I'm getting every last cent they owe me.... plus!

John of Lenexa, KS December 19, 2007

John of Lenexa KS (12/19/07)
I have chronic Lyme and multiple co-infections. Headaches, fatigue,deep depression, body aches, etc. I worked for Atronic Alarms, Perry Atha, I was a co-owner, 22 years of service. Perry fired me while I was being treated. I tried to go back to work and found that I was unable and started to have more chronic depression, anxiety, adn pain. I have appealed with MetLife and keep getting told that Dr. Carol Ann Ryser, a renowned specialist in chronic pain does not follow protocol. I have filed with Kansas insurance commission but have not gotten to far. I now have Genworth, now Sun Finacial stating that I am not disabled due to Lyme. Each week I seem to have both good, bad, and horrible days both physically and mentally. It also does not help that my employer fired me with out paying commissions, etc.

I have hired attorneys, and now approaching every agency and adcovacy that I can find to get some results.

Terri of Orlando, FL December 11, 2007

Terri of Orlando FL (12/11/07)
I went on short term disability in March of 2006, my original diagnosis was clinical depression. In the past year and a half, I've had triple bypass surgery, a subsequent infection of the sternum incission that required debridement of the necrotic tissue. This left a softball sized hole in my upper chest. I had IV antibiotics for 4 continuous months and wore a wound vac for 3 months to close the wound. I was hospitalized in May and July with acute renal failure and was found to have a fractured kidney. Now I have a suspicious lesion on my left kidney and am following up with a nephrologist and urologist surgeon. By the way, I have acute degenerative arthritis in my left ankle, and both knees and suffer from chronic pain daily. Social Security has awarded me permanent disability, but I just received a letter from met life telling me that they have cut off my benefits as I am capable of going back to work. I am diabetic, with nerve damage to my right hand, suffer from anxiety attacks, high blood pressure, and wake every hour screaming in pain. Anyone want to hire me?

It's anyone's guess how long we'll be able to keep paying our mortgage. I am 51 and my dear husband is 60. If he keeps working at this pace to keep us a float, I'm afraid it will shorten his life. Is there no justice for us?

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