MetLife Disability Insurance

MetLife Disability Insurance Reviews

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Overall Rating
1.8 out of 5
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About MetLife Disability Insurance

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MetLife provides home, auto and health insurance to clients in the United States.

MetLife Disability Insurance Reviews

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Page 1 Reviews 0 - 10
Punctuality & Speed

Reviewed Nov. 14, 2023

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.

Had I had my baby and not almost died, I would've gotten paid for more time than I am because unfortunately I almost lost my life and they don't care at all. They have all relevant info from my doctor and still won't approve my pay through the rest of my leave. So now I'm here with a newborn, recovering from a traumatic birth that almost took my life and have no money. It's ridiculous and so frustrating.

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Customer Service

Reviewed Oct. 30, 2023

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.

They couldn't even get my return to work date correct, even when they had it IN WRITING from both my Dr & my employer. Then they try to tell me I was overpaid by 1 day because they couldn't get that return to work date correct! WORST CUSTOMER SERVICE EXPERIENCE EVER!!! RUN, DO NOT WALK AWAY FROM THIS COMPANY!!!

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    Customer Service

    Reviewed Oct. 28, 2023

    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.

    They just continued to talk me down on every call and then said it was updated and apologized for the frustration and then nothing would change. Absolutely awful experience. And the fact that they can email amongst themselves but can't email anything to the customer is so bogus to me. It's like they know they are lying through their teeth and hoping that by the time the new bill or whatever you received comes to you that you would forget about the whole matter. News flash. I haven't. All it makes me want to do is exploit them for who they really are.

    I have a newborn, I should be snuggling him and using the money from the hospital indemnity to be paying the hospital bills but instead I'm calling over and over trying to get everything sorted out of why I'm getting charged for so many months all of a sudden and then I'm not even getting the correct amount for what it said through the indemnity. Such a headache but now it just makes me want to share more how it is not worth it and they will get out it as much as they can!!! Watch your bills and know how much the monthly price should be. Question every backpay and "fee" they have!! So much more I can say. But they are just awful.

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    Punctuality & SpeedStaff

    Reviewed Oct. 20, 2023

    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 am an appointment in another 4 weeks and we'll see then whether I have to have surgery but I wake up with hip pain everyday yet I couldn't get paid anything but a couple weeks from them. They said their clinician decided that since I advise my doctor that the pain had gotten better. I did not deserve to have any more pay out from them. So I have to go back to work with the hip tear and I'm older at that and try to work that way. I did everything in good faith including pay my premiums on time and this is the way I got treated. I don't know how they're staying in business you have to fake things or not tell the truth in order to get paid and that's just a total opposite of what should happen. They are a horrible company and a very dishonest company.

    I had to push them and send them everything and do all the footwork just to get the few weeks of pay that I got. I read reviews about several people that had family members die and could not get anything paid out just now and I think this company in Bank should be investigated or fraud. This site requested me to give them at least one star but I wouldn't give them any if there was another option.

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    Customer ServiceStaff

    Reviewed Oct. 16, 2023

    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.

    I reached out my HR specialist and they sent the documents needed, but now they are asking for a medical letter from my doctor. They are doing all possible things to find a loophole to deny my claim again. I've called countless times but can't get anyone to call me back. I didn't submitted a claim because I want to, I need to. This is a time when I feel very vulnerable, with a baby in my hand, dealing with postpartum and on top of that living out of my credit cards because the company that is supposed to help my when I need it the most is making my life miserable.

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    S increased rating by 2 stars.
    Customer Service
    After a positive interaction with MetLife Disability Insurance, S increased their star rating on Oct. 20, 2023.

    Updated review: Oct. 20, 2023

    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.

    Original Review: Oct. 2, 2023

    I have short term disability coverage with MetLife through my employer. I'm currently on maternity leave with no income coming in. It's been 2 months since filing a short term disability claim with this dumpster fire of a company. I have provided them with all of the medical documentation they requested, but flat-out lied by claiming they never received it. I've tried calling countless times to get to the bottom of it, but can't get anyone to call me back. I've sent multiple emails, but that hasn't been successful either. Like most insurance companies, the objective is to make money by not paying out what's entitled to their customers. My claim has been pending for 2 months and I suspect it'll stay that way until they find some loophole to deny compensation. I'm seriously considering hiring an attorney at this point. The lying and lack of communication is unacceptable.

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    Customer ServiceStaff

    Reviewed Aug. 29, 2023

    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.

    A very nice representative finally accidentally gave me a corporate number, who had no choice but talk with me. They finally processed the claims and paid about 1/2 what they should have. No explanation of what they paid exactly so now I get to start an appeal process for the rest. I whole-heartedly believe they train their staff to lie so they never have to pay. I am 50 year old with a college degree in medical billing. I do this daily for work. The claim would have never been paid if my husband would have had to do this on his own. They are crooks and should be shut down.

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    Reviewed Aug. 1, 2023

    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.

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    Reviewed Aug. 1, 2023

    Husband had rotator and bicep repair surgery. On June 22 turned in all paperwork and pictures. Still no payment. Was even told it was put in High Priority Box

    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.

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    Customer ServiceStaff

    Reviewed July 24, 2023

    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.

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    MetLife author review by Matthew Brodsky

    MetLife is a well-known insurance company that has become famous for its commercials using characters from the "Peanuts" comic strip. It offers a variety of insurances, including disability insurance.

    • Offers real life stories on its website: Users can watch videos featuring people who became disabled so that they can learn more about disability insurance.

    • FAQ and tips online: MetLife offers a FAQ section and tips for dealing with disability insurance on its website.

    • Offers individual supplements: Consumers can purchase the exact insurance they need rather than depending on an employer-offered insurance plan.

    • Offers both short- and long-term insurance: People who are disabled for a long period of time don't have to worry about their benefits running out.

    • Online calculator helps people figure out their insurance needs: MetLife's online calculator predicts how much insurance people will need if they become disabled for various periods of time.

    by Matthew Brodsky Insurance Advisor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    MetLife Disability Insurance Company Information

    Company Name:
    Year Founded:
    1095 Avenue of the Americas
    New York
    Postal Code:
    United States