MetLife Disability Insurance Reviews

Metlife short term disability. I was in car accident. Off work. I couldn't get in contact with claim manager. I sent doctor paperwork. No help at all and I was still trying to get better have you doing administrative work.

Absolutely horrendous experience time-after-time! Metlife does not care about us folks that are hurting and in dire need of financial support from a benefit that my employer pays a significant amount of money for. The red tape involved in getting a simple and honest reimbursement is ridiculous! I will strongly suggest that this MAJOR employer make a desperate change to a more reliable, and caring disability organization. Highly do not recommend Metlife!! I certify that this is not only my experience, but that of thousands of other unfortunate recipients.

STD was the worst experience and so was working with my claim person! My doctor wrote me out of work because I was dealing with a lot of stress with my manager. He wrote me out for three months and MetLife said they only do one-month increments, so I had to go back to my doctor monthly for notes. My doctor mentioned that I need to speak with a therapist and as soon as MetLife saw that in his notes, they said that they needed notes from my therapist. While speaking to my therapist, I told her about my stress and how I was interviewing for a new job to get away from my manager. When my claims person received the notes and had the nurse review them, they denied my claim because I was interviewing. What does that have to do with my stress? I was interviewing because my boss had me stressed out.

Metlife is not a reputable company and if you are paying disability premiums to them, I'd strongly encourage you to drop their coverage as soon as you can during open enrollment. Metlife does nothing but take your premiums and drags out the process through constant appeals and denials, no matter how much paperwork and evidence you provide them. I have lost out on two paychecks and my saved PTO because they denied my STD claim. I was approved for STD through my job, only to be denied my claim and appeal weeks after my leave started. They look for every reason to deny compensation, despite me providing office notes, treatment plans, FMLA forms, behavioral health forms, etc. Please save yourself the headache, frustration, and mental anguish. My mental health is in the pits from dealing with this situation. Metlife deserves to be sued into oblivion. Such a dishonest, scam and sham of a company. I'd give negative stars if I could.

By far the worst, rude and incompetent customer service you could ever encounter sadly! I myself now on disability have previously worked in STD/LTD customer service so I know what it entails! I've been told “if I tell you your claim is denied and your CM says it's not, go with what they say!?” I've also been told “you are young. You should be better by now, what your problem!” I asked if this was in my case NOTES and they said it's their opinion and they are entitled to an opinion. Absolutely horrible disgusting behavior! They should have some compassion dealing with people who are experiencing pain and tough times due to disability!

MetLife is horrible! They over promise and under deliver. They rarely do what they promise. It’s as if they don’t want to pay out any money. Just excuse after excuse and lie after lie. They don’t care.

Long story short I had my baby a month ago and have yet to hear anything back. Finally I call back for the third time to find out they needed more information after being told they did not. The woman (claim specialist) said she faxed info to my doctor and sent me a release of information she did not. In other words they dropped the ball and I will most likely not see payment until I’m back to work or at all.

I won't make this long but short term disability through this place is a big scam. I am currently sick as a dog on my short term disability and I guess they need to literally see it with their own eyes. I left on leave in first week of June and have not been paid a dime. I go back August 5th. No one calls back or responds to any messages at all. I turned in paperwork from my doctor that was several pages and they said they would review it in five days. I hear back two weeks later. They won't let you know if you're missing paperwork you just find out while you're waiting. Please find some more competent workers for this place. It should not take someone's entire time off to be compensated for money that is theirs. Do not make it this hard.

Worse experience ever. Talked to case manager 1 time since filing claim. They are now 3 weeks behind on my STD payments and the worse part is they are sending me $25 checks each week. HORRIBLE CUSTOMER SERVICE.

I paid into my Short Term and Long Term disability at work. I got denied for federal disability (didn’t expect anything less) but the STD I paid (INTO FOR EMERGENCY SITUATION) for it WAS OVER 4 months into chemo before I got paid and that was only after I sent in a letter. The case manager I had Jessica. She absolutely SUCKS. She NEVER returned calls, didn’t respond to emails and I was out from Feb and still currently waiting on payment. It was only by the Grace of God that calling the disability line did anything get to moving around and after I said JESUS what do I do… I got a check for $3k for two months back pay and I’m right back where I started because hell you didn’t get me ahead. You barely got me caught up from being behind. I can’t keep a roof and bills paid with this inconsistency.