MetLife Disability Insurance Reviews

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.

The reviews are all correct, no sense of urgency when it comes to the case managers handling your claim. When they have all the information they need they still lag on payment. It’s like why am I paying into this mess to not be helped correctly when I need it. Yeah will definitely be cancelling and going to a better provider STD/LTD.

MetLife is the absolute worst company to have for short-term disability. Never received a call back from my case manager. Processing paperwork was from the Stone Age and I would avoid this unless your surgery is absolutely necessary and life-threatening.

I have been waiting 2.5 months now and have not been paid. I have been denied 2x and am now appealing which can take another 45 days. I have just completed therapy and I am now having to have back surgery.

They make arbitrary decisions and then ignore you completely! They are robotic in speech and in the end do whatever they want. I will be suing them in small claims court and I advise everyone screwed by them to do the same. Please folks sue and make them accountable or they will never change their incompetency or scorn for the customer.

I filed a short term disability with Met Life for surgery disability from my time in VietNam as a combat veteran. The Surgery was on June 21, 2024. I did not receive my first check from Met Life until six weeks later. Now I am going through rehabilitation and have requested a continuance of short term disability. I have been back and forth with Met Life short term disability now for over a month, trying them to state exactly what information they require and they still have not got it resolved. This is a terrible company for any short term disability. Secondly, to speak to one of their Case Managers you have to go through a call center and they have 48 hours to act upon your message..if in fact they return your call, I have left three messages with their call center and as of to date received Zero call back. Very unreliable company. This is why I gave them a one-star.

Disability Representatives are incompetent and lazy. They lose information sent to them almost every time it’s sent. Medical offices have to send the exact same information to MetLife repeatedly. Patients in recovery are expected to be on the phone with Metlife close to every day providing the same information repeatedly. The representatives call never leaving any information concerning what they need or what department they work for. On top of this, they’ll send confusing faxes to the medical offices then expect patients in recovery to spend their recovery time going back and forth between MetLife and the medical offices explaining to the medical offices what MetLife wants. You’re better off with an alternative:

LTD is a scam. The fine print includes a payback policy. They impede on what you get if approved for by Social Security if you become disabled. The justification on their end is unethical and they call it double dipping. It's ridiculous. Your pay is cut in half with LTD and if you are hoping Social Security will make up the difference, you are wrong and they don't care.

One of the most incompetent people and businesses I have ever dealt with. Had to call daily with repeating same questions/procedures with exact "no resolution". Every call ended with them not having the paperwork they needed from my dr, which I provided every single time. I would almost suck it up and use PTO vs disability claims with them, they are completely worthless and wish the benefit was removed from my job and reimbursed in some other way. I absolutely hate how lazy and incompetent these people are. It sucks being at a 9 level of post surgery pain and people pretending to be doing their job.

I’ve been waiting 5 weeks to receive my benefits even though I've made SEVERAL calls to them regarding my claim no one has any answer for me… I wish my employer would’ve stayed with the standard, MetLife is the WORST. I’m so happy I didn't get a life insurance plan with them, my family would be behind on everything. Would HIGHLY NOT RECOMMEND.

I'm covered under my employer's benefits. I broke all 5 bones in my left foot and was unable to work. It took 4 weeks for MetLife to approve my short term disability claim. It was only approved for 6 weeks despite my Dr's information that recovery time would be over 2 months. I applied for an extension right after returning home from my 6 week followup. That was 2 weeks ago and I'm still waiting on a reply. GrandMa was slow, but MetLife is like molasses in January. They show ABSOLUTELY NO urgency in anything they do.