MetLife Disability Insurance Reviews

I gave birth to my baby 9 weeks early, hemorrhaged and ended up with a hysterectomy & on life support for over a week. In the early days of my hospital stay, my condition was uncertain so my employer decided to pay my paid family leave out so we could cover bills, and I could apply to short term disability later for however long I needed it, because my recovery could've been very long---mindful, this was decided while I was in a coma. When I applied to MetLife they informed me that because my job handled my situation in what essentially the opposite manner, that my claim could not be approved.

If I could, I would give a -20!! Every time I tried to contact MetLife (less), I spent 2+ hours trying to find someone that could help with my short term disability...someone who would say something besides "that isn't my department", I would ask what department should I talk to....and the call would end! I would call back SSDD (or different phone call). I would get an email asking me to respond online; "ERROR 404" is what I would get every freaking time, so I'd attempt to call again, "not my department"...Get a letter, "please call...or go online" same stuff "not my department" on calls, ERROR 404 every time on line.

Absolutely terrible. Over 7 hours of talk time on the phone over a 4-month span with a newborn for 1 month of it. I had hospital Indemnity that I carried over. They charged double for 6 months instead of 3 and that didn't get fixed until month 3. Then after being told several times how much I would receive and that I would receive a letter in the mail to confirm how much I was getting they jipped $150 and now I have to do an appeal if I disagree with the lies they told me.

I purchased MetLife short-term disability through my employer and I did not read any reviews or research on MetLife. Please do your homework and read the reviews because this company is not care about you or your circumstance. What they care about is their dollar bill and not wanting to pay any claims. I sent in all the documentation from my primary care doctor and my specialist and orthopedic surgeon who filled out everything accurately and sent everything that was requested of them. I had to wait 3 weeks for a decision after paying premiums for a long time and they denied the reevaluation which came only 6 weeks after I was hurt from falling. I have a hip tear and MetLife decided that it was better after the 6 weeks so therefore because I had any level of healing they denied me.

I have short term disability coverage with MetLife through my employer. I submitted a claim since July 5 due to complication with my pregnancy and I'm currently on maternity leave with no income coming in. As of today, October 16, I haven't receive any benefits from them. I have provided them with all of the medical documentation they requested and on July 19 they approved the claim. However because, according to them, they didn't receive the documents they need from my Human Resources Department they denied it and close it in September, instead of calling me to let me know what was going on.

Finally got my claim approved. Needless to say, this ordeal has been a massive headache. I upgraded my review to 3 stars because the lady I talked to was very nice and understanding.

Husband was in a motorcycle accident. Has an accident policy and a hospital indemnity policy. He was in the hospital for 3 weeks with 14 broken bones. I filed the claim, sent in 300 pages of hospital records, filing records, accident report signature pages, everything. Spent the next 3 months being lied to by representatives and so called supervisors that nothing was ever received, they are missing something, being hung up. Promise after promise that the supervisor expedited it and I would hear back in 5 to 10 business days. Never ever got a call back.

Trying to be respectful to some of the employees that help, this is more of their claim process, lack of support and escalation. I had to submit 10 years worth of records for my claim for someone to denied my claim after 2 months of following up with them to ensure they had all the documents. The diagnoses is listed on the policy list yet their denial reason was this diagnosis is not cover by this policy. Man if I had a lawyer I would sue them for the claim and emotional distressed. They try to sell you product and go back and tell you you are not covered.

But still no payment. Spoken to 4 representatives, who tell me the claim will be worked in 3 days or sooner. That was 30 days ago.

My husband suffered 2 strokes in February and I have critical Illness insurance on him through my employer. I uploaded all of the requested documentation from the hospital, initial diagnosis, then 30 day follow up records. 5 months later the site shows my claim is Denied. I called customer service and they say it’s a glitch. But they also told me during that same call that the hospital hasn’t sent the documents they requested from their office. So it’s unclear if it’s a glitch or they are still waiting for more documentation. I was told 3 weeks ago by Todd, that it looked like everything they had requested was there. Today, I can’t upload anything because the claim center blocked me from uploading any documents because the status is denied. The customer service person said it’s not showing denied on their end so I told her they need to upgrade their system. This company is a joke! Don’t get sick, don’t rely on anything from this insurance company, you’ll die before they’ll actually pay a legitimate claim.