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Paul of Annapolis MD (06/05/08)
My wife was diagnosed with Parkinsons disease. She purchased extra insurance as a just incase we ever need it, above and beyond the provided disability. Met Life gladly took took the premium each month. Social security declared her disabled on March 1st,2003 and made it retro to August 1,2002 as that is when her neurologist filed the necessary paper work. She was released from Sanmina Corp., due to her disability, August 18 , 2003.
What the hell else does Met Life need to see ( that is their tacticwe need more documentation from your doctor)???? Our government has deemed her disabled and pays my wife each month. Each time you you send correspondence,they never received it.
I spoke with an ex Met Life rep.,who is a family friend. In training they are told to loose the paper work 2 or 3 times,hopefully they will go away. We have been told numerous times 'She wasnt disabled at time of release,thats a lot of bunk. My wife's meds run about $1500.00 a month.
Crystal of Orlando FL (05/06/08)
I applied for my benefits when my company had their enrollment period, back in September 2007. I send my Statement of Health form in and it was signed by me on 9/16/07. I later called MetLife to check on my coverage and they said I was being denied due to a pre-existing condition, pregnancy and that I supposedly send them a letter saying I was pregnant that was signed on 9/16/07. I informed them I didn't conceive until 10/11/07. They then told me to fax in a letter from my doctor stating my conception date with an appeal.
So, I went ahead and faxed the letter from my doctor, but MetLife STILL denied me for coverage. THEY state that supposedly on my Statement of Health form that I signed back in September, that I was pregnant at the time, even though my doctor states I didn't conceive until 10/11.
When I called in to discuss this with them, nobody including the supervisor wanted to hear any of this. They just kept repeating themselves about the paper I signed. I tried to inform them I would've had to have been psychic to say a month before I conceived, that I was pregnant. But, they didn't care what my doctor had to say. They just simply said they would not give me any coverage.
This company is horrible with this!! I'm sooo ready to get an attorney for this. Now, I will not be able to take any maternity leave to recover and spend time with my baby...and get paid for it. I can't afford to just take time off! I will NEVER sign up for disability insurance with them...EVER, or EVER reccomend them to ANYONE!!!!!
Melissa of Myrtle Beach SC (04/21/08)
have been on long term disability for the past 12 years due to back problems. This Jan my long term disability changed from Liberty to MetLife as I think Met life bought them out. The first correspondence I got from Metlife was in Feb and they wanted a Attending Physician statement. So I got my PHY to fill it out and sent it in.
Thinking I had done what they wanted and never hearing from them again till I received a written April 17, 2008 giving me one day to get my Physician information in to them or I would be cut off. This letter also stating that they had mailed a letter Dec 11, 2008 requesting a update from my physician. I never got this letter. They went on to say if I did not get the physician information back to them by the 18th of April ( now I got the letter April 17, 2008 in the mail ) that I would get cut off.
I called Metlife and explained I just had NOT gotten the letter they said they sent Dec 11, 2008 and that the letter I got today ( April 17.2008) was saying that I needed the information in by April 18, 2008. The lady on the phone basically said they could not control the mail ( the letter was dated April 9, 2008 ) and if I didn't get the information in they would deny my claim. Oh yea the letter had my address but was addressed to another person Making me think they didn't even know who they were writing the letter to.
I went to the MD and had him fill it out and faxed it to them. I am sure this is not the last I will hear from them as I am sure they are looking for a reason to cute my disability claim. I can't figure out why after 12 years ( and I know they have all my physician's notes from Liberty ) they think I can work especially when every Physician has stated that I am totally disabled.
I also have Major Depression with Anxiety disorder and this has caused so much emotional problems and worry. My whole life depends on the money I get from this policy. If they cute me off even though the MD's say I can't work I do not know how I will make it. I know this is what they are doing and my MD agrees. If they cut me off I will have to get a attorney.
Richard of Apison TN (02/27/08)
My 21 year old son suffocated during a seizure on 11-8-2007. He was 21 years old, very active and healthy. He had only had a few seizures and only then while sleeping. The only thing to do was help to make sure he didn't hurt himself until the seizure has passed. This time no one was there and he got stuck half on and half off the bed, face down and suffocated. I found him and gave CPR till help came but it was too late. The death certificate stated accidental due to suffocation but MetLife refused to pay the claim with no explanation. I have paid for insurance for 26 years with the same company and the first time we need it, this happens. I am really disappointed with Metlife and want others living with epilepsy to be aware of this company's policy.
Won't pay claim for funeral and other expenses. I am a disabled vet, My wife suffers with Lupus and I still have two other teens to care for. MetLife knows that I can't afford to hire a lawyer for this relatively small claim.
Beverly of Billerica MA (01/23/07)
My mothers Long Term Care Policy lapsed & we have no record of ever receiving the notices stating her policy was in Jeopardy. MetLife is claiming they sent them. My mother will soon need Long Term Care & she was a faithful customer for 6 years, never late on her premium payment. We have asked MetLife to look into re-instating her policy to no avail. I truly believe the notices were never sent,no-one tried to get a hold of my mother either to let her know her policy was in jeopardy. We would like to know if there is any way of getting her policy re-instated. Being a faithful custoemr for 6 years my mother should of gotten a phone call from MetLife.
Susan of Nyc NY (10/04/02)
I am have been having a great deal of difficulty in obtaining long term care insurance from this company. They discriminate against the developmentally disabled. Where do I go other than the State Insurance Board to file a complaint of discrimination?
Susan of New York, NY writes (10/4/02):
I am have been having a great deal of difficulty in obtaining long term care insurance from this company. They discriminate against the developmentally disabled. Where do I go other than the State Insurance Board to file a complaint of discrimination? Are their any current Class Actions complaints against MetLife that I can sign up for as a member of the class?
It's very difficult to sue insurance companies for discrimination. The "underwriting" process allows them to weed out nearly anyone they choose.
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