MetLife Disability Insurance Reviews

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.