MetLife Disability Insurance Reviews

My work switched from Hartford STD to MetLife STD this pregnancy— ugh, it’s been a terrible experience. I’m a month out from an emergency C-section where I hemorrhaged and 1 week hospital stay for preeclampsia and my claim is still “under review.” I wait on the phone for 45 minutes to an hour every week to be given no update. I don’t understand how major abdominal surgery cannot be approved. I’ve constantly paid my premiums. They are dragging their feet hoping customers will give up and not get the benefits they are entitled to. The website gives no updates or information other than the claim is pending. I have no contact person just the 1-800 number where I can sit on hold for up to an hour. People rely on these payments to pay their bills. This is nothing short of criminal.

It's been a month since my surgery between getting paperwork sent to my doctor's office, it's been a nightmare. With numerous calls and no word yet place is a shit show. I was told a week ago case is being escalated. Well it's already been 3 days into another week and nothing. They refuse to let me speak to a supervisor. They say will send a email for you that someone to call you.. What bullshit. Very pissed off.

I am very disappointed with Met Life. They approved my LTD claim then they denied it. I only gave them 1 star because I had to since there was not a 0 to give them. They are the worst. They want their premiums paid every month but they do not want to pay their claims. They are very DISHONEST and biased. I will be turning them into the Department of Insurance. It is so wrong what they are doing to people. I was still very sick under two doctors' care and going to see two more doctors per their advise. They never even called to talk to me and said I was able to go to work. They are a joke.

After paying for long term disability insurance for over a year, I actually finally need it and this company is a disaster. It’s been weeks of reviewing medical information, requesting nonsense medical records and getting nowhere! I still have no answers and no idea if I am approved or not. The worst part is being told over and over that something is happening and still getting nowhere. Look at these reviews! This company should be ashamed.

Currently dealing with MetLife for my long term disability which somehow after a month it’s finally approved only to be told today after not receiving pay that it’s pending. None of their “Specialist” that review the claims when they are escalated have contacted me but they have all of my paperwork completed from my Doctor. Called 4 times and got 4 different answers. MetLife might have defeated Xfinity for the poorest customer service. It’s Super Terrible. ZERO STARS!!

I filed a claim with MetLife for Minnesota’s new PFMLA child bonding leave, as my employer uses MetLife for short-term disability coverage. The process has been extremely stressful. I submitted all required documents at the end of March 2026 and received no communication from MetLife until I repeatedly requested updates about my leave, which was set to start May 1. The website is difficult to use—document uploads fail, information does not load, and readability is poor—and there has been no response from IT to resolve these issues. For my intermittent leave, I reported absences every Friday as instructed and was told that processing would take up to five business days, with payment finalized within three days.

I have never seen such an inept company in my life. Communication is nonexistent. Emails bounce back as undeliverable. Once I got a message that the phone extension that I dialed wasn’t in service. You never know IF or WHEN you might receive a payment. Medical records are lost or misplaced. They request records from your providers, and then when those are sent and subsequently LOST, then they want you as the patient to get the records. On top of that, there’s a ridiculous deadline attached to those requests. Something should be done, it’s getting ridiculous.

They have admin people asking very personal questions when they interview you. They don't call you back. They take forever with medical review and they always seem to be "missing paperwork" from your provider, so nothing moves forward. When they finally get what they need they deny your claim anyway. Useless. When you ask for any benefit regarding mental health, forget it. You apparently have to chop your arm off to get any real coverage.

Was denied my claim for no reason. I refiled my claim. Worst people to work with. They can care less about you. Better off getting my insurance from the Russian Mafia.

MetLife is hands down the worst company I’ve ever dealt with, and I’m saying that as someone who trusted them during one of the most vulnerable moments of my life. I paid into long-term and when I needed it I received the run around for months, my disability specialist never could explain the process or give a timeline. They say 24 business hours but they say that to get you off the phone.

Same as other victims of this company. They make it difficult to file a claim, they say they haven’t received paperwork etc. When they finally approved they gave me what they wanted not should have been and good luck trying to get anyone to respond a call. This shouldn’t be allowed!

I tried to complete a simple claims process and ran into so many roadblocks with MetLife. Customer service was terrible to say the least. They kept saying they never received information from my provider, but it was confirmed to have been sent/received from the provider's end.

Got a policy with them for short and long term disability, you just never know what will happen. Recently had a surprise hip revision surgery that was sprung on me a week before they wanted to do it. First, I did the initial interview three separate times, including with my claims “specialist” so nobody in the company communicates or charts notes. My claims lady then calls and says to email her my leave paperwork and restrictions from the doctor, the problem is she never sent me her email. I called about three or four times only to get her voicemail. My other issue was that my place of employment, with whom I signed up with, and MetLife apparently don’t communicate system wise. Multiple times agents told me “I don’t see your policy” or “are you sure you have a policy with us?”.

MetLife refused to pay disability as required when I was diagnosed with incurable lymphoma. They are all snake oil. They say they are giving you a benefit when they hire their lawyer to look over your Social Security benefits, and then use that information to withdraw benefits that you should be getting. Then they make you pay for the lawyer! And call it income to the IRS! They refused to read my letters or return my calls. Of all the companies I’ve dealt with, met. Life is the worst. Full stop.

I’ve paid into LTD for years, and never used it until 2024. I had two major shoulder surgeries, and have had so many problems with them. I’ve had five case workers during this time. They don’t return calls, don’t respond to emails, and their app doesn’t work. This month I’ve called every Friday, and no one has called me back. I’ve sent all the paperwork they’ve requested multiple times, and still it’s not good enough. I received no pay from December thru February. I got that resolved. They paid me the end of February. This month no money. Who knows how long before I get paid. They take your money, but when you need it they don’t pay. Terrible to go through when you’re trying to recover.

If I could give them a negative score I would. I opted in to MetLife’s STD during my employer's open enrollment last year, with coverage starting in July. I became pregnant and called in October to confirm coverage and was told everything was good. I had my baby in December and sent in the claim. The claim was denied and the “condition” was considered preexisting because I had my first OB apt during the “look back period”. What was the look back period? April 1-June 30. When was my 1st appointment? June 30. I appealed it because surly, someone there has to have a heart and understand. Nope. It was upheld. This company is cold, and only cares about the CEO's corner office and thickening their pockets. This country already puts mothers and families at the very bottom of the totem pole. I have to go back to work early and leave my child just so we can have money to live. This is absolutely disgusting.

Terrible company to work with. I'd rather buy insurance off a street corner vendor or take a chance on Gas station succi. It would be more enjoyable I'm sure. I've spent the last almost month trying to straighten out their mess. I live in the state of Illinois, my work is in Iowa. They pulled out taxes for the state of Ohio for some ungodly reason. They admit they messed up that it needs corrected. They connect you to people to escalate it you get a voicemail. Which they claim you will have a call back within 24 hrs. The first 5 calls, I never got my call back. Then it's an endless call in and verify your identity even if you have an extension number. Then verify the same 6 times before you move on to a live agent. I'd trust a Democrat in an abortion clinic holding my firstborn more than MetLife.

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.

Customer Service with MetLife Insurance Has Always Been Pleasant, Respectful, and Very Human. My Case Workers Have Treated Me with Dignity Feeling and a Genuine Thoroughness. The Quality of Customer Care at MetLife Has Been a Very Positive Experience In so far. What Has REALLY prompted ME to Write this Review Was My Overall Experience w Brittany. She Was Just Amazing at Making Me Feel Hope, Encouragement, a Better Future, 'this too shall pass' and 'WE' WILL GET THRU THIS TOGETHER Feeling. Brittany 'Represents' MetLife and after Speaking to Her I Hang Up Smiling with My Health Problems? This Company is Leading with the Right People! Good Choices with Your Reps, GREAT CHOICE HIRING BRITTANY! JILLM.

If I could give them a zero I would. MetLife is horrible. Short term disability claim took them 2 months to make a decision. Now I am fighting with them about the long term. They claim they are waiting for my doctors to respond. My doctors swear they have sent all required paperwork and MetLife harasses them by phone. Why would 3 doctors say the same thing that they have submitted the paperwork. My question is my medical information going if my doctors have sent in everything and don’t get me started about their failure to return phone calls.

I was injured April 3rd. I have MetLife short-term disability. The claim was immediately submitted. My employer caused one delay. But it took over 30 days before MetLife processed anything and gave me the initial payout. By this time I had Revisited the doctor and they extended my time off. We are now 30 days into the extension without an extension of pay. I was told that the payment was released on 5/21 and should have been in the bank. I acquired the ACH tracking number from MetLife after a great difficult process, and come to find out that it's not slated for release to the bank until May 27th.

The front line Cust Svc staff are great but the website is a complete waste. Reaching your Case Manager is harder than reaching your Congressman. EVERY STD extension takes at least a month after your Dr. faxes in the paperwork, leaving you not getting paid the whole time. Ridiculous.

ADA accommodations issue EVERY time!!! I send in the required paperwork and verify they have paperwork. I follow up again, I get a message stating your accommodations have expired, even though I verified they had the needed paperwork. I can never reach my case worker and as many times as I ask for a call back I NEVER have received a follow up call. So annoying when you do this 2 months early and then you are faced with, "Your accommodations have expired." I only found this out when I followed up AGAIN. It’s so frustrating when you do everything you need to do and MET LIFE constantly drops the ball on their end. I am so way beyond annoyed with this company causing unnecessary stress in my life.

MetLife’s handling of my short-term disability claim has been incredibly frustrating and stressful. I followed all the necessary steps prior to my surgery, providing them with the procedure date and confirming my doctor’s recommendation for three months of disability. I was assured my claim would be processed promptly, but this couldn’t have been further from the truth.

This has been the worst experience of my life dealing with Metlife, I've been trying to file a short term disability claim and that can't seem to do it right and nobody knows how to fix it then I'm trying to do a hospital insurance claim yet they show I have a policy but don't know why I can't file a claim. On top of this last year I ripped my stomach muscles lifting weights and tried to file a accidental claim. They denied it. Said it was a sickness.. I feel like this company does everything in its power to deny, avoid and purposely mess things up.. There no communication with them whatsoever. Every time they tell me they give me a call back they never do.. This company with all their problems is destroying my life and it's sad this is who my company chose.. The company is aweful.

I have been out of work for about a month. I was diagnosed with Myopia, bilateral due to high blood pressure. I went first to the eye doctors due to seeing doubles which is when I was diagnosed with my issue and was advised to see my primary care doctor because of the blood pressure reading they got. So I went to primary care and my blood pressure was very high and started taking meds for this. I got my blood pressure under control and slowly my eyes started to realign again. Met Life Disability knew I had an eye doctor appointment today Jan 9 2024 for a follow up.

CRIMINAL is best way to describe their practices. I have had disability insurance with them for 30 yr... Dutifully paid into system the whole time for specific work disability. When I had numerous issues (all documented medically) and required only being able to work part time- (ie part time disability)- they yanked my chain for about a yr and half before denying ALL claims. THey told me Jun 2023 I would know soon if they would support claim. They never answered and kept taking my monthly payments the whole time- Until nearly a yr later when they denied any coverage. As an FYI , another company had the exact same claim filed and they found I was partly disabled and have paid their claims.

Horrible service. I went out on leave Oct. 7, was approved on Oct. 17 still haven't received a payout yet... My leave is almost up. I have a small child with special needs and no funds literally a few days before Thanksgiving. No one seems to know why I haven't been paid in over a month yet Miami Dade County takes this out of my check.

I had to put in for another extension, and just like before, I have not heard anything from anyone. I was given a case manager back in July, I have spoken to her 1 time. I have talked to about 27 other people, but not one of them can call me back. Every time I call, I talk to at least 2 automated recordings, then get put on hold, then maybe a person will talk to me. I am need my checks just like everyone else, and the added stress of MetLife is making my life more complicated than it needs to be. Do better.

Easily one star. I immediately filed a claim for pregnancy/health complications. NOT maternity. It’s been almost a month. And still no pay, no updates, no answers. As soon as I return to work I’m cancelling this sorry ** insurance.

While there are over 400 reviews that are one star and I imagine you have to give it one star you can’t give a zero I did read the few reviews that were five stars which I think were more Astroturf (legal term) a.k.a. someone working for the company giving the company positive reviews, hoping to raise their ratings. The verbiage was too well verse and well written by someone that definitely knows FMLA and more leave terms such as I used to in the insurance market with UNUM.