MetLife Long Term Care

Important: something you may not know that can help you against these lying crooks.

Before I write out my complaint I just wanted to let everyone that is posting one here know if you are not aware every state has a state insurance commissioner. It is the governing body that overseas all insurance in your state, and when you mention contacting them anyone in the insurance filed whistles a different tune because the commissioner can actually impose steep fines on these companies when they are found to be at fault. Locate your state office and file a complaint. In some cases the insurance companies have had to pay negligence fees to the person they drag through the sham game.

My daughter works for Citigroup. She gave birth to a baby girl on 1/21/2012. Back in December her OB/GYN took her out of work because she was suffering from severe insomnia, migraines and sever fatigue, not to mention nausea. The doctor gave her a statement to take her out of work until she was seen at her 6 week check up after giving birth to the baby. My daughter had been on medication for this prior to her becoming pregnant and she had to stop taking the medicine when she found out she was.

We had been told on several occasions that the doctor's office was not completing all the paperwork and only submitting some of what was needed. My daughter had just switched to this doctor when he took her off work and on early leave and MetLife was aware that the switch was made because the other office she was going to was very incompetent and you never got a straight answer. Boy, did they use this knowledge to their advantage combined with the fact that my daughter and her husband are young and very trusting.

After her visit in December (which Amber took the paper with her for the doctor to fill out) they submitted it. Then this lady named Gail called my daughter and acted as if she was on her side and would even contact the doctor's office to help them fill out the paper work. All along my daughter was being told the doctors were not being cooperative and submitting the necessary forms, etc. Fast forward to the day after delivery. My daughter contacted MetLife to let them know she had given birth and to inform them that at that point if they did not have to paperwork back, she would just have her maternity leave start the day she had her daughter and waive the pay for early leave, even though she was entitled to it. Her thoughts were: I have had the baby, they can not deny my leave. Think again.

They told her that since the doctors failed to return the paperwork, that in fact Gail had called them and tried to walk them through the section that was needed and they refused to talk to her on the phone and had her fax the paper. MetLife said they did and never got it back so they denied the claim for early maternity leave, and because she had not worked up to her delivery her maternity leave all together was denied. How can you deny her leave after giving birth based on her not being at work when she was under doctor's care to not go to work? They break any law they can because people are not aware that all insurance companies answers to some powerful people. I am not contacting the commissioner in our state and then MetLife. Bring it on you scam artist because mama bear is ready to tango. Oh, and by the way, I am so glad I found this site last night because it was my intention to call the doctor's office first thing this morning and let them have it. Instead I told them what and who MetLife was blaming it on and the nurse went over all the phone records, fax records and what the doctor wrote to them and will be giving us copy. They did everything requested of them and now they are furious too. I will not stop until I get something done because they need to be shut down. Good luck everyone!

I was one of the only 193 people worldwide who were informed about Met deciding they need a 45 percent across the board increase for former and current BAE employees. I have faithfully met my premiums since this program was offered in1999. And every three years, when offered, I accepted the cost of living increase. This alone should reflect Met has adjusted for inflationary costs.

I am almost positive I am the only one left from the Eglin AFB, 600 or so, who still has an active policy, and I would be surprised if there were as many as 5 in the whole state of Florida. First Met has to convince the FL Insurance Commission that to deny any increase could cause a hardship for Met Life to continue in this type of coverage. 193 people in total hardly makes a hardship to this mega co., but 45 percent is definitely a hardship to us. It should not be our fault that Met gambled their investments away or didn't plan on the onslaught of baby boomers.

I will fight this tooth and nail with the FL Insurance Commission. I have been in contact with them. If necessary, I will drive to Tallahassee to state my case. If anyone out there has received this latter, please contact me. I have investigated this thoroughly, and we all know there's power in numbers. Each states' ins commissioners will make the call for their state.

Dec 12, 2011 Metlife has sent out a letter stating a 45% rate increase has been requested from State Commissioners of Insurance. This company has made promises and does not intend to keep those promises based upon their poor investments, lack of actuary talent and total deceit of LTC policy holders.

The result is that Metlife will pocket all most all policy holders historical premiums and only allow 5% for 5 years of premiums plus 1% per year of service benefits should you not be able to afford the 45% rate increase. Therefore, if you've paid in for 10 years, you would only get 5% for 5 years and an additional 1% for the other 5 years making 10% total due the policy holder if they wish to cancel the policy.

Effectively, in the above scenario Metlife will have made promises they never intended to keep and pocket 70% of the premium $$$ without providing me anything but a bill. This is absolutely criminal to make promises, collect premiums and not fullfill those contractual arrangements regardless of their inability to manage investmnets, predict claims or low lapse rates. They are supposed to be in the business of insurance and actuary's calculate these numbers. How can Metlife be so far off the mark but still be so profitable?

I need to know which corporations are rebidding their contracts over the next ten years and when, so that I can personally correspond with them on what is best for their employees. Any help on who and when will be appreciated:

ANGIE'S FINAL DAYS. Angela ** was my daughter. She was 33 years old when she died on November 24, 2010 of probable heart arrhythmia. Angela had a devastating disease, tentatively diagnosed as carcinoid cancer, although the oncologist knew there were other things going on like possibly an atypical pheochromocytoma attachment. The symptoms, however, were obvious, like tremendous abdominal pain, flushing, weight gain, and constant diarrhea. Also tremendous amounts of adrenalin were present in her system at times, particularly when she was upset.

A statement on the website, carcinoid.org, states that all carcinoid patients should avoid emotional stress since it can cause crisis attacks. The high levels of adrenalin is a large contributing factor in heart damage leading to heart arrhythmia. Angela worked for Bechtel Bettis as a Radiological Control Technician. Her radiological responsibilities were suspended when she was diagnosed with cancer in 2007. She continued to work there with duties that continued to be diminished as her condition worsened; then she was put on short-term disability in May 2010.

This disability was concurred with the company nurse, Angela's oncologist, and her psychiatrist who was treating her anxiety with drugs. At this point, her oncologist's prognosis was that she could live another ten years with chemotherapy treatment. Bechtel paid for the short-term disability insurance for their employees. Angela was also paying large premiums for 70% long-term disability. The insurance company, MetLife, made the short-term benefit payments to Angela until early October 2010 when she received a letter denying coverage.

In early November, she informed me that her insurance was denied. She was getting very upset that they were not listening to her doctors, and she wanted me involved. After getting her release to act in her behalf, I called both her short-term and her long-term benefits case managers and the short-term manager's supervisor at MetLife. I explained to them that the short-term benefits denial was having a serious impact on Angela's life.

I wanted the data flow and eventual appeals handled by me. It was Angela's wish that I be her spokesman and be the person to receive communications from MetLife. They continued to write directly to Angela with letters denying both short-term and long-term coverage. As it turned out, the long-term denial letter was dated November 19, 2010 and was most likely opened by her within 24 hours of her death.

The crassness of MetLife proceeding and sending the correspondence directly to Angela hastened, I believe, her death. I cannot understand a company that would not listen to a father's plea, has nurses overturning the recommendations of an oncologist and a psychiatrist, and acts like it has a general disregard for human life. I have since researched MetLife. Under a website, badfaithinsurance.org, I find that Metlife is listed as the 15th worst insurance company out of the 50 worst for denial of benefits with a footnote--MetLife: A Bad Record. Large Insurer Group. Be advised that when you buy insurance from this bad faith insurer, you do so at your own 'greatest' risk when you need to make a claim.

The footnote lists the 23 companies in the MetLife Group. (See footnote below for list.) This website goes on to list the best 50 for not denying claims. My research continued, and I discovered that The Employee Retirement Income Security Act (ERISA) is the law under which companies provide insurance benefits. It was passed in 1974 to protect employees but was amended in 1987 (Pilot Life vs. Dedeaux) by lawyers going to the Supreme Court. It now protects the insurance industry at the expense of the employees.

Today the insurance companies can deny claims with no more liability than had they accepted the claim in the first place. With appeals necessary, then denied, most claimants give up or have to go before a Federal judge who generally favors big business. Most employers and employees do not know that if their insurance is provided by a bad faith insurance company under ERISA that they are likely throwing good money after bad and causing heartache for many of the employees involved.

1. I would like to convince Bechtel, an employer-oriented company of over 100,000 employees, to drop MetLife. They are not only getting a lousy product from a Bad Faith Insurer but what they are buying could actually hurt their employees as it has hurt, I believe, my daughter.

2. I intend to correspond with the clients of the 23 companies listed below to make them realize they're buying potential harm for their employees. I want to convince them it would be best to stick to the 50 best companies on the FBIC website above until ERISA is changed to protect their employees.

3. I would like to educate employers and employees on ERISA and FBIC, so that they recognize that the thousands of dollars they put into insurance in their company's benefit programs might not benefit them. This might be done in opinion columns, Dateline, or other public forums. Incidentally, this subject was brought before President Obama in comsumerwatchdog.org and was also presented on Dateline, 60 Minutes and Good morning America, and Senator Obama before he became president. (See insulttoinjury.org for one person's battle to right these issues.)

4. I intend to put this story out in Facebook or other blogs.

5. I intend to retell this story to those federal legislators who deal with insurance with a plea to amend ERISA to protect employees as it did when first written.

Angela **'s father, Seeley **

Footnote: Companies in the MetLife Group include: Economy Fire and Casualty Co., Economy Preferred Insurance Co., Economy Premier Assurance Co., First Metlife Investors Insurance Co., General American Life Insurance Co., Metlife Investors Insurance Co., Metlife Investors Insurance Co. of CA, Metlife Investors USA Insurance Co., Metropolitan Casualty Insurance Co., Metropolitan Property & Casualty Ins Co., Metropolitan General Insurance Co., Metropolitan Group Property & Casualty Insurance Co., Metropolitan Life Insurance Co., Metropolitan Lloyds Insurance Co. TX, Metropolitan P&C Insurance Co. & Affiliates, Metropolitan Property & Casualty Insurance Co., Metropolitan Tower Life Insurance Co., New England Life Insurance Co., Omega Reins Corp., Paragon Life Insurance Co., Reinsurance Co. of MO Inc., RNA Reins Co., Texas Life Insurance Co.

On November 5, 2010, I was airlifted from Sarah Bush Hospital in Mattoon to Carle in Champaign with a heart attack. My care while at Carle was exceptional. On Monday, November 8, 2010, I contacted MetLife regarding being off work. Originally, I was scheduled for bariatric surgery on 12/2/10, but I explained to them I had a heart attack, and plans had changed. I was now currently off work and would not be having the bariatric surgery. On November 22nd I called MetLife to find out they had notes that I called but "didn't get processed correctly". A week later, I spoke with MetLife and they were still requesting information for the bariatric. They had me still at work, and listed as a full time student. I am not a full time student.

I don't know how my information had gotten so messed up. They finally contacted the correct physician for my heart attack, Dr. C at Carle in Champaign, IL. A few more phone calls took place between myself, MetLife and the physician. My claim has now been closed due to all the mix-ups. Several phone calls have taken place. I believe Carle Hospital is finally getting the paperwork sent off to MetLife. I would appreciate your expediting this claim. You can imagine my frustration. I am a 44 year old widow, with a 7 year old kid. It is the holidays. I had a heart attack, and have been off work since November 5, with no income. My claim number with MetLife is **. I have copied my father, Ralph Glenn, who is an attorney in Mattoon, Illinois as an FYI.

I would like someone in the corporate division of MetLife to respond to the issues described below. Can I please have your corporate office contact information? My contact information is **.

After the claim for February 2010 was paid, my lifetime benefit amount was $24,984.00. The February claim was paid in March 2010. On April 1st, my lifetime benefit amount was increased by $22,500.00, according to your customer service representatives. That would make my lifetime benefit amount to $46,584.00. That amount is not reflected in my current lifetime benefit amount. It is very important for me, the insured, to know the exact lifetime benefit amount so that I may be able to manage the money carefully.

When I called your customer service representatives, it seems as if they don't understand the seriousness of being quadriplegic and why it is important for me to have an exact figure so that I can know how to pay my caregivers. He spoke to me as if I were a child--double talking and speaking irrelevant nonsense and not letting me explain why it is important to have the correct information. I need to know why MetLife is not fulfilling their part of our contract. My name is Luis **.

After I sent my concerns in the letter dated 27 May 2010 to your office via fax, your MetLife telephone representative made sure that my benefit amount was decreased by $20,000.00. When I called, I have spoken to Sharon **, Chan **, Robert (**), Yolanda (**), Joe (**), and Brandi. It was a male that was rude and inconsiderate when I called on or around 27 May 2010. And when I called to speak to management or to receive the corporate contact information, your representatives are stone walling me (i.e., not giving me the information).

The issue is that I received an increase of $22,200.00 effective 1 April 2010. My lifetime benefit amount before that date was $24,984.00. This was told to me by Jennifer (**). She informed me that my increase brought my lifetime benefit amount up to $46,284.00. In April 2010, Joe (**) told me that my lifetime benefit amount was $44,083.00 after the most recent claim was paid out.

In May 2010, Brandi told me that my lifetime benefit amount remaining was $40,403.00. In September 2010, I was told that my lifetime benefit amount was $33,043.00. I have all of my check receipts to prove these amounts. Today, 6 October 2010, Sharon ** told me that my lifetime benefit amount was $12,509.98. Sharon refused to give me any corporate information so that I may express my concerns and resolve the issue. Sharon transferred me to Jen (**). Sharon ** told me that she doesn't give out her I.D. number. Can I please have a phone number or address to your corporate office?

So I asked for a quote. The next thing I have is a policy that is higher than State Farm and they are going to deduct through my payroll without my signing anything. Bad business. I had to fax and sign a cancellation to get this stopped. Whatever happened to your authorization on a paper? I guess they think that's okay.

I work for Bank of America, and had not been feeling well, so my manager suggested I apply for FMLA, I was denied because I had worked only part-time the year before. Then I got a letter that I had been approved for short-term disability which I have to say, Bank of America pays at $80 and they're really good about that, then I rolled over to LTD with Metlife.

What a nightmare they are, starting with my case manager she is the worst. They were always asking for updated paper work and I would get it in the mail after the due date and when I called her to tell her that I had just received the paper work. She said, "Well that is strange, we send all kinds of paper work to the area where you live and you are the only one who doesn't get it on time." So I said, "Okay, I'm a liar then and I guess so is my doctor because he didn't get paper work on time either." Then they recorded me and said I wasn't disabled anymore, and when I asked what was on the tapes, they said not to worry about that.

I was still on LTD and then they tried again this year at the beginning saying that they needed updated medical documents, so I sent and I was okay again for about three months. I told my case manager and the nurse that if they needed anything else, could they call me or let me know. They both assured that they would, but then one day when I was so sick, I got a letter from them saying that an IP reviewed my case and considered I could go back to work and that my docter agreed with it because he was sent a letter and given 7 days to respond or they would cancel my claim. My doctor never got the letter. Also, they said I was no longer disable because I had had a hysterectomy and I no longer had anemia, well, well,well. 1) I had never had hysterectomy. 2) My disability was for hypoglycemia, hypothyroidism, hyperthyroidism and fatigue, none of them were anemia. I didn't even know I had anemia until last year 2009.

So when I called and told my case manager that I did not have a hysterectomy, she said, "Well, that is what your medical says." I told her, "Believe me, I would know if I had one." I menstruate every month and I hate so I would know! So back before they cancelled my LTD , the lovely Fidelity cancelled my health insurance for 50 cents and I spoke to all kinds of people there and no one would listen, and they said I couldn't get reinstated so since I had to continue seeing the doctor to keep my LTD.

I went to Costa Rica. In one day, I enrolled and the next day I set up an appointment and it cost me, I guess, $0. Yes, 0$. So I got my medicine for two months and came back home. When I got home, I had a lovely letter from Fidelity. My health benefits were reinstated after they told me a 100th time I couldn't get them back and I had to pay for the months they said I didn't have coverage. Well, so I called Metlife, spoke to the nurse that once told me every one is different, not everyone feels the same with your illness, I understand. All she said at the end was, "Well, you can appeal."

Keep in mind that when I was disabled. My calcium levels were better than they are now and I've been hospitalized three times this year for calcium being too low. So the cancellation of LTD goes on to say even though your calcium is low, you can still perform your job. So how can I perform my job when I can't get out of bed, or my hands are curled up, or I have my jaw locked and so on. So much for capitalism. Well, I have my hearing on Social Security this August that they made me file for and they claim that is another reason why my LTD was canceled because I guess Social Security is taking too long to resolve my case?

All of these events have caused nothing but hardship on my health, financially and on my life. My children always see me crying on the phone. My son offers his savings from his summer job to pay my medicine. We as Americans should not allow these things to go on. Metlife just gets richer richer. They are, I have to say, evil and someone or all of us should stand up to them!

These people drag out your checks when they find out you might be going on their long-term that you paid for. Th doctor information is never enough and they request more saying their doctors (panel of doctors) need more information. I want to know who these doctors are and there better be doctors! I requested the names of these doctors but did not get an answer. We are now going on long-term with Metlife and I'm scared to death how we will be treated or if ever get our money on time. The stress of not getting paid is not good for our mental being. Shame, Shame on Metlife

We use MetLife for FMLA/intermittent FMLA. I have been dealing with this company now for two years, and every time I try to get my intermittent FMLA set up for the year, the care manager decides that the papers are not filled out to their satisfaction. I filled out my papers this year the same as last year. Last year, it took multiple attempts to get my papers filled out how they want it.

This year, I filled them out like last year, and now, that is not good enough. I am tired of the stress they put on you when you are already sick. And it also cost $20-$30 per time these papers need to be filled out and fixed. How can the care managers override MDs. This is scandalous. I think when they sent out FMLA papers, they need to send out a form explaining what they want for this year. This could save time, money, and undue stress.

I moved and canceled my policy starting from May 6, 2009. I asked to send me refund for June (which I paid by mistake). They tell me it will take 7 business days to proceed refund. Today is August 1, 2009 and I still did not receive refund check for $175. I call them EVERY other week. They promise to send refund next week, then again next week and so on.

I try to reach supervisor and they put me on hold, finally he scream on me not to call any more?!! I send complain to manager on address from company web site and nobody answer. I called again, they promise me to investigate and call back. Nobody call. I call them again, they promise again investigate and send me email the same day. No email. I send complain on their web site. No answer. And my refund is only $175. I am lucky that I move and decided to switch insurance company. It would be impossible to get coverage from them in case of accident. Really sloppy company! Do not waste your money with them.

Have dental through Metlife. Daughter needed braces. Before ever making an appointment with orthodontist my husband called to see if it was covered. The Metlife employee said yes she was covered for braces. Made the appointment. Doctor called metlife also. Braces have been in my daughter's mouth for over 2 weeks. Get a letter stating Not covered! Claim Denied! Turns out there is a 24 month wait to be covered for braces. Well then Why didn't the employees tell my husband or the Doctor that? We can't afford $5000 braces. If we would have known we had to wait I surely would have waited! We drained our savings paying for our "half" of the bill before we got the denied letter.

When you talk to the Metlife employees/managers they state you can't hold them to what they tell you. I want to know if you need information on your policy/benefits because you haven't seen this info or remember it if you did see it way back when signing up then why am I paying Metlife if I can't call them and ask them for the information on my benefits because we can't take their word? This is rediculous! Metlife needs to stand by their employee mistakes and train them for better customer service and not to keep information from customers!

There would have never been any problem if the employee would have shared one little point with us. "Our dauther needs braces so we are checking to see if she is covered" "Yes, You WILL BE covered for braces in 24 MONTHS" or "There is a 24 month waiting period and then she will be covered" Come on, one sentence that had all the information in it would have prevented all this trouble and pain!

In 2008 I had a compression fracture of a vertebrae and spent 3 months in a back brace while working light duty. I was returned to full duty with no disability or limitations on work. At open enrollment I submitted an application for Long Term Disability Benefit Insurance which required a Statement of Health. Metlife declined my application. I disputed their denial within the 60 days I was given to respond. They reviewed the information and again denied my application claiming that my fracture was not currently allowed approval to a group rate plan and that the injury was too recent to allow group disability coverage.

I was informed that if I had no symptoms or complications from the condition or did not develop additional medical conditions within the next year, I could re-apply for consideration depending on underwriting guidelines at that time. This is despite the fact that I am performing the same level of work I was doing before the injury. The policy they wrote says I can't apply for disability on pre-existing conditions for 12 months. I understand that is a condition of the insurance. They could give me coverage based on their own guidelines but they are sticking by a clause in their policy with my employer that states they can deny coverage to anyone who didn't apply for coverage when it first became available to the employee. They've created a Catch-22 situation where employees can get LTD coverage with pre-existing conditions and they can't file a claim for those conditions for at least a year but they can't get LTD coverage because the guidelines allow them to arbitrarily deny coverage. In short, the employer claims there is a benefit as part of their recruitment activities but there isn't one if the insurance company denies the coverage.

As a result I am at risk of loss of income should I ever get ill or injured for an extended period of time because I can not get or use a benefit my employer says I can apply for.

In 2003 I suffered a underwent a heart stent that was supposed to be uneventful. During the procedure the cath got "stuck" and had to be forceably removed causing a greatdeal of damage to my heart and artery. I was no longer able to continue my "over the road" job at Sears Hardware. I stepped down toa store manager but was unable to to continue at that either as I lost funtion of my right arm. I also sufferd an injury to my c-spine while unloading 5gallon drums of paint for a contractor due to a direction from corporate as to reassignment of duties to save expenses.I was diagnosed as totally disabled by my doctor. I had paid for LTD through work via MetLife and received it for two years. During that two years I was sent to SSDI doctors and received SSDI after once visit to those doctors.

Sears had sent me to two seperate Independant Medical Examiners who totally agreeed with my doctor and the SSDI doctor. Sears then placed me on permenant retirement. In January on 1996 I was informed that MetLife would no longer pay any LTD benefits due to the fact that their doctors have concluded that I am not disabled. I informed tham that I have never been examined by their doctors! They said I do not have to be. They used "Office notes" from my other doctors. I appealed and was immediatly turned down. MetLife said I could sue them under the Erisa retirement act if I hired a lawyer.

I contacted a lawyer who told me it would cost upwards of $5,000 to sue and the chances of winning were small and it would take 5-10 years. I was told this is common practice. I was never and have been never examined by an insurance company doctor. I obtained the files and MetLife totally took notes out of context. I am confused how an insurance company can say I am not disabled when my doctor, 2 independant doctors, and the Socialy Security Administration doctors who examined me all say I am disabled. With the help of my wife, who still is employed, I have made up a very nice presentation for AARP and other meetings that I have been showing. It shows the scam that MetLife perpetuated on me. I know for a fact that many, many people have dropped MetLife who have seen this presentation. All I use is factual documentation from MetLife and my doctors and the fact that MetLife made a decision without examining me!

My mother has an active, current, long term care policy with METLIFE. She has been living in a senior living community for 11 months(independent living and now in assisted living) and has not received a single dollar in assistance. METLIFE continues to deduct the monthly premium from her checking account, however when we ask when she will actually begin receiving any benefits it is always "you need to fill out another form" "we need you to do this or that" anything but pay a claim! My mother is having to pay $3,000 a month for a quality, senior living assisted living community.

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.

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!!!!!

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.

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.

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.

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?