MetLife Disability Insurance Reviews

They are no help whatsoever. I have been out of work for 6 weeks and nothing at all denied 3 times for medical records. Faxed 2 times, emailed once. I uploaded them myself and still nothing. All they care about is getting their payment of $65 a week

I needed a 12 month leave for mental health issues that my doctor deemed medically necessary. I was granted the first 6 weeks without issue. I was denied my extension for the full 12 weeks with the message that there wasn't enough info on why I needed it. My psychiatrist was visibly irate and mentioned that she hadn't seen this happen before. My psychologist penned the appeal and made it very clear that the extension was medically necessary and my appeal was denied with the message again, that there wasn't enough information.

You keep getting the runaround for your claim. They either "don't have the information" even though it was sent in or they tell you there's nothing else you need to do for several weeks then they turn around and tell you that they do need more paperwork. The case manager doesn't return your calls, and that further delays. This is messing with peoples' ability to pay their bills when they are sick or injured. The customer service needs to be better. It's almost as though they don't want to pay people, and that's not okay!!!

I obtained this sham of an insurance via my employer. I am. first responder in New York City. I purchased the most expensive package in efforts to keep up with my bills if I ever fall ill or injure myself. Imagine my surprise when I do injure my back and need to collect on my disability policy, and I'm told that I do not have coverage! Turns out it was a coding issue on their end. By the time I got paid I had been out of work for nearly three months. This company totally relies upon you to do their clerical work despite making you sign HIPAA release forms to access your medical records. Apparently that’s not enough! You have to hunt your doctor down to obtain a final graduate school thesis entitled “why this person deserves to collect their benefits”. I am utterly disgusted with my experience.

They are the worst when it comes to evaluating claims. They prolong the process knowing all along they are going to deny the claim. Their clinical review specialist and case managers definitely need more training on understanding how to process and rate disability claims. HORRIBLE!!!!

Where do I even start. Dealing with MetLife goes beyond frustrating and infuriating. After countless weekly calls to check on my short term disability claim...over the course of 2 months: I was told on different occasions that 1) my claim was never filed, 2) my claim ppwk was sent to the wrong address, 3) my 2nd request for claim ppwk never came, 4) I was told claim ppwk was sent to my dr and that was not true, 5) other various lies told to me by a number of different reps (they're all so nice, but every time another lie). This company absolutely needs to be investigated. How they're still in business is beyond my scope of understanding.

I was approved for short-term disability for a major neurological condition. Then my neurologist suggested going on long-term disability, which MetLife DENIED because I had a pre-existing condition. Awful insurance company to work with and customer service is terrible. Parameds is AWFUL AS WELL.

I've just read all the comments and I am wondering how and why this have gone well for me. I've had unsustainable pain at the hip that lead to a hip replacement decision. The pain was so high that I could not work. I've MetLife Disability Insurance through my Employer. So I've filed a STD claim through Metlife website on April 26th, the surgery is scheduled on May 9th. I am supposed to be out of work for 6 weeks, including pre and post surgery. I monitored the website and it was showing that the decision was pending documentations, so I called Metlife and got a very proactive woman who told me the forms where faxed to my doctor, and she immediately sent a copy of these forms to my email box.

I filed my claim in January, well before my medical procedure. I waited for some sort of confirmation from Metlife, I was also working with my HR representative, as we had just changed to Metlife in December. We tried reaching out with no satisfaction. My surgery came and went. Still nothing. Not even a claim number was sent. I resubmitted the paperwork in March. I received a letter at that time stating that my claim had been filed twice, one claim was being canceled and that I would receive a decision within 10 business days. So, they received my paperwork in January. They just chose not to respond. They denied my claim, stating that because I had an initial meeting with the doctor in October to establish myself as a patient, the condition was preexisting.

I had a rough 2nd pregnancy. Before I left work I called MetLife and asked what I needed before I left. My ob wanted me to stop working since I couldn't climb the stairs. Nothing but problems since. Submitted my claim on February 12, 2024 (as soon as my mandatory 2 week waiting period started and was promised a payout on February 28th. I didn't get any money until the day I was giving birth to my daughter on March 14. I was sick!!! I was living off dollars and eating beans and rice basically waiting for my money. So some time passes and I get my second check which I thought okay cool. My case worker would call periodically and let me know it's still pending. I submitted all paperwork and everything on time and it would take longer than 5days for review for no reason. My case worker would only call me when I left call back after call back. I've probably spoken to her 3 times and that's all.

MetLife makes is almost impossible to get approved for short term disability. I filed a claim through my employer but was denied because they didn’t receive visit notes from my specialist but the form they required to be filled out was completed and sent back to them. For people dealing with mental health, they make it impossible. If they truly cared about helping people they would not find ways to deny claims and instead would advocate and do everything they can to approve claims for mental health. MetLife should feel ashamed of their business ethics.

I recently had surgery mid last month and was told my short-term disability was approved and beginning on the 5th of March. So today I called to confirm my disability status and scheduled date I will receive my disability check. As well as inform them of my new start date for work, since it is going to be two weeks earlier than expected. The customer representative was uninformed about my disability, she told me it was not approved, and pending. I questioned her about that due to receiving information stating that it was approved for the 5th of March. She was not answering my questions, ignoring my questions, placing me on mute, laughing, I asked to speak with her supervisor. She told me not today and hung up on me.

Just like most other folks who have unfortunately had to deal with this (in my opinion) morally and legally corrupt SCAM company... I too have been denied my claim... Over and over again... I have an employer supplied health care plan with Met... I have COPD confirmed by both my Pulmonary doctor AND my Primary Health Care Provider... I am no longer able to perform my work duties... I had to retire early because they made it nearly impossible for weeks to even get STD... I did eventually get it but then they tried to cancel it twice which caused an aggravating delay in payments... Currently my Pulmonary doctor has me on 3 different prescription inhalers... I am currently on 7 different meds in all... Went to the pharmacy over the weekend and discovered that Met no longer covers any of my meds... No warning... had to pay out of pocket... I hope good folks read this... DON'T WALK. RUN AWAY!!!

I am appealing my denied LTD decision and have reviewed the Medical Report. The Physician has never met with me and has determined that I can return to work with PTSD, because I am not climbing the walls, psychotic and not hospitalized. I was almost catatonic and unable to function, but that wasn't included. My hippocampus is impacted by all the trauma and my reactions are in a constant state of fight or flight, but it is ok for me to go back (no!). If I keep getting activated, the adrenal system overload nearly paralyzed me, this Physician, left this out! PTSD can take up to 20 years off of your life expectancy and there is not known cure. This person, who has never been a marketer, bullied, discriminated against, surrounded by chaos in a Hostile work environment that caused the PTSD, says can go back to work in the environment that broke her brain!

I was diagnosed with bladder cancer. I found out from urinating blood. I went through surgery to have the tumors removed. Since then I've been going through chemotherapy. Through work I noticed that I signed up for MetLife critical illness insurance. Well I initiated a claim and submitted all of my proper documentation at the very beginning of submitting the claim. I went round and round probably 12 times with customer service agents trying to figure out what the hold up was or if they needed more documentation or if there was anything needed from myself or my urologist. They kept telling me that I needed to submit documentation that was already submitted day one. It was a long waiting game for the whole process.

I have an undetermined auto immune disease. I'm not on treatment until it is determined. Per my doctor I can't work. MetLife had someone review my file and determine I could work (they only referenced basic blood work and, based on their analysis, only reviewed my most recent doctor visit). They waited a month after the analysis before informing me, and I was dropped from benefits about a week after being informed this was happening. I was dropped with no notice but they get 45 days to review my appeal? That literally leaves me with no income for over 2 months. MetLife has worked very hard to not pay and get out of paying from day 1 and are currently trying to force me into working. I've been asking for plan documents, from MetLife and my employer. They both say the other is supposed to supply it. MetLife keeps quoting it but I've never seen it. I've been asking for a year.

They will prevent you from submitting a claim. They couldn’t spell my email address which is my last name they have on their certificate. Claimed there was a typo each time. Claim form unavailable online (coverages lapsed Dec 31, incident Dec 21, tried to file Jan 2, but any access was removed). It’s been hours and hours trying to get a claim form. Unethical practices taking advantage of people in difficult circumstances. I’m glad my employer dropped them. I recommend you report to your state department of insurance and BBB.

This company ask for all this information. When you call in you have to verify address and everything but they still sent 4 checks total over $2000 to the wrong address and it’s been a pain to get this resolved. You can’t even be sick from stressing so much dealing with them. I did everything right, paperwork, everything and still no money. It’s been 2 months and I’m sinking in bills

This is one of the worst insurance companies I dealt with to date. I would give them negative 5 stars if that was an option!!!! Submitted claim on November 16, 2023. Had surgery on December 4th. My medical provider, faxed EVERYTHING within a matter of 2-3 days, because they value patients. My employer's HR dep was nice enough to follow up. It is now Dec. 28 and my claim is still "pending", SO AS MY BILLS!!!! I spoke to their customer reps at least 8-10 times by now. Their customer service knows NOTHING EVER! You cannot speak to their claims dep to get any clarification. Basically, they are trying to delay this as much as possible or that is the impression I got from them. UNLESS IT'S YOUR ONLY OPTION THROUGH AN EMPLOYER, DO NOT USE THIS COMPANY! THEY ARE AWFUL!!!!

I’ve been paying into my hospital indemnity through my employer for years. The one time, I actually end up in ICU/hospital for a couple of days and METLIFE has yet to pay me for that time (Of my money which I’ve paid into). Their claims department is horrible and their corporate office did nothing but put a note in my file to escalate. How can you escalate my issue when all you need to do is pay me my money. I’ve submitted necessary proof of hospital stay and required 6 page documentation and still nothing. I just want this scam of a corporation to pay me what’s owed to me and I will NEVER do business with them again. Simple.

Absolutely awful experience dealing with this company. From their claim specialists to their customer service reps it's impossible to get a phone call back from anyone. You better pray to whatever god you believe in that you are available when they call; because if you're not, you won't hear back for at least a week or two. I am genuinely impressed by their lack of response and effort. I usually don't post reviews but had to make an account just by the sheer atrociousness of their service. Whoever decides on picking them for any service is obviously doing it to save a buck.

After reading quite a few reviews on this company it is obvious that they are folks that no other company will hire. My better half has been through hell with these goons. Rude, uneducated, zero phone etiquette, thieves denying folks what they have earned on their paychecks. Merry Christmas to you. May you and your fam members do what a vegetable does sitting on the counter for too long, below.

Always blaming the Doctor's office for not sending "required" info, after the office sent multiple faxes to correct number! Contacted us for info then no movements in the claim gets done even after a month!

Through my job, I have short-term disability. Been without a paycheck for a month and a half! What a horrible company, I don't know how to pay my bills. AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAARGH!

Nothing but runaround. Phone tree explains put in extension. And staff will not give out an extension. Give us five business days to make a decision. On sixth day still no decision. And when contacted, "Well we will call you back." Never hear back. Total and complete waste of time and money.

Updated on 12/20/2023: Still waiting on a phone response from a voicemail I left last week and no decision made on my long term disability claim made a month and a half ago. The Run-around is truly what this process is and I cannot get a valid reason on why no claim decision has been made.

I am typically a patient person. However, with Metlife, I am out of patience. I submitted a claim in late August. It is now December 5th and they keep giving me the run around. On the site, they say 10 days. Metlife continues to ask for the same verifications that were submitted. I've already submitted all necessary items twice, once directly from my doctor and once through me. This has been conformed multiple times during conversations over the phone with them.

My husband and I have Metlife Accidental and Critical Illness policies thru his employer and it’s been absolute HELL to file claims and get an accurate payout from these people. I had heart surgery and a pacemaker placed where I was in the ICU for 3 days and hospitalized for almost 2 weeks and the process has been awful. First they told us that we had both policies then when it came time to pay us they claimed the Critical Illness policy lapsed but they take the payment from his paycheck every week for both policies so where is the money going? After 2 months this still has not been fixed.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

Are you currently entangled in the nightmare that is dealing with MetLife? Have you been paying into disability insurance for years, only to be met with mind games, deceit, and fraud when attempting to collect a meager portion of your paycheck as a result of a disability? Have you been verbally harassed, ignored, gaslit, lied to, and disrespected by a "claims specialist" at MetLife and are wondering if you are alone in this experience? If yes, then you have come to the right place. Reading the other reviews here has been validating as well as eye-opening. Like many others, I have experienced nothing but added stress, intimidation and hostility, and issues as a result of attempting to get MetLife to pay money that is owed to me. Here is what I have experienced so far:

I put in a request for ADA accommodations 7 days before my surgery as instructed. I never received a phone call or anything in the mail like I was told I would. I called the day after my surgery while I was on PTO to follow up. They canceled my initial request and created a new request with the wrong dates. That happened FIVE more times. Each time I called they would cancel the previous request and put in the wrong dates or the wrong request. I never did receive the correct paperwork or any sort of help. Avoid using them if you can!

I've had a claim submitted since March and I am still trying to get it paid. At first there was a problem getting the required paperwork from the medical providers. Now my claim just disappeared from my account. This is a waste of money being deducted from my paycheck.

Our job just rolled out a new paid parental leave this year 2023. You get up to 12 consecutive weeks full base pay.. You can take the leave within 12 months following the birth of a child/adoption. Filed a claim before my short term disability end date and only got 2 weeks approval. They’ve added this on top of my short term leave. They don’t want to pay their customers at all.

Working on a claim now for 6 weeks. Have talked with multiple people and gave the same information daily. Customer service reps seem to be the middleman for none information from the case manager. Don't expect a return phone call. If you are looking for any help you're out of luck dealing with this company.

I can't believe MetLife company is not a reputable company. They don't hold up to their end when it come to pay out for your claims. I just had surgery the end of April of 2023. When trying to continued my disability my advisor Vicky ** ask for the documents and when I sent them the response was, "You didn't submit enough information" when I just had the surgery and I gave all doctor notes. I don't understand what the problem was and ask for supervisor and was told someone will call me back...when they take my money there no problem. I'm going to recommended that people go to a better disability company. They are horrible.

How did they get a rating of 4.5? Who are they paying off? The Company I work offers MetLife in its Benefits. I got this by hearing this "critical illness insurance" plan is a big plus. For two years I pay into my Benefit plan and last year I learned I have "CANCER" on 30 Nov 2022. Not the words any person wants to hear from their doctor. With more and more Doctor visits and out of work due to surgery this should help? WRONG!!! Not with these con artist! I have to renew my benefits at the start of Nov. I had this for a year now and renewed it as I thought it was good to have. They have a rule that it takes 3 months for your policy to kick in and that's every year when you sign up. Wish Someone would have told me this at the start of this nightmare.

I fell ill due to a heart attack and stroke. In the 30 plus days of trying to deal with MetLife I have yet to get a single payment. Seems that only a supervisor can update a customer address, but they never use it either. As stated 30+ days and no money, Supervisor Nicole decided this past week to put a stop payment on the 2 outstanding checks that were sent out. Nicole did this without any customer interaction AND she never had the guts to tell me she did this, no voice mail. I missed a phone call by 6 minutes to now have NO MONEY STILL, thanks Nicole. I was also told that I would have ALL the missing money OVER NIGHTED to me, but of course that won't nor did it happen

Through my employer DHL we are all given METLIFE for STD (short term disability). Unfortunately I needed hip surgery a few months after being employed. In short, my experience with METLIFE STD was horrible! They lie, deny, postpone, delay and aggravate an already stressful situation. No one there does their job unless it is good for their bottom line. If you complain they put you on a black list. To work there you must have no morals or code of ethics. It's sad that a big insurance gets away with treating clients like pheasants when on the hook to pay out. Horrible experience. My employer had to get involved on many occasions. They should drop this carrier but they won't.

This has been the worst experience I have EVER had with any company in my entire life. It must be a scam, joke, fraud. There is no way possible it can be real. While recovering from surgery and dealing with cancer, these people made my life so difficult and like I said, it is so bad that it has to be a joke. We need to get together and do a class action lawsuit because clearly everyone else had a similar experience.

Filing a disability claim with company has been one of the WORST experiences of my life! No one is on the same page. You continually get different answers. Can't ever get in contact with my claims specialist! This has been more hassle than it's even worth. It has literally made me physically ill, loss of sleep, loss of appetite, stress and anxiety through the roof! It's disgusting how little this company cares for the people who they are supposed to be serving! I would NEVER recommend anyone use this company for any of their services because they are just awful!

Where to start - the "case manager" Janet R. was anything but a case manager. Calls were never returned and communication with my medical offices was non-existent. I called the main hotline once and was told they needed to "interview" me. I gave them the answers to their questions. After not hearing back for days, I called back. Yes, you guessed it - they told me they needed to "interview" me even though I had already done it. I told them I had done it and to WRITE IT DOWN this time.

I recently claimed my short term disability leave with MetLife, when I tried to tell them the new year cycle cover I paid for 100% payment coverage they hung up on me, I called about ten times. Every time the call will go through but the person is keep hanging up my call. It is really frustrated because I am a cancer patient and I need my money to take care of my family. I want justice on these matters. They don’t have any rights to take people's money.

I purchased Critical Illness Insurance though my employer several years ago, I have been diagnosed with a qualifying illness and filed a claim two months ago yet still no answer. The bills are pouring in, Ultra sounds, MRI, Biopsy, specialists, scans and tests. I have submitted the same information three times on different paper forms and when I call to find out what the heck is happening with my claim I get a different answer each time but with a common theme of "wait a few more days and if you don't get anything in the mail just call back".

I contacted MetLife on June 7, 2022 to advise of an upcoming surgery on July 12th, all was set up - but when it came time utilize the claim after surgery - I have had nothing but miscommunication, no communication, lack of follow thru, I have called every day for assistance and get different answers each time I call. My rep is never available, she requests info and then never logs as received, she does not call me back. I have finally contacted them again and asked for a supervisor. The payout was over a month, then when I went part time, and now back to work, just getting the part time benefits has been ridiculous! They told me that I am missing a letter from doc, which they have and that they were missing info from my employer which she never got a call to request.

After being involved in an accident almost four months ago, I was told by my super company that I could put in a claim with MetLife (their insurer) after 30 days from date of accident. I submitted my claim form along with relevant documents and after multiple phone calls and emails, I still haven’t received anything nor are my emails being responded to anymore.

I wish there was an option to leave zero stars- dealing with Metlife has quite literally been one of the worst experiences in my life. I have NEVER seen an established company function so poorly. It BLOWS MY MIND that they're out here doing this to people & getting away with it! It is abundantly clear that their business plan is to make the claims process as slow & convoluted as possible to almost break you into giving up.

This company is a complete scam. I have contacted a lawyer because they are giving my dad the complete run around and continuing to tell him that he owes them money. They should be shut completely down. No one that I have spoke to there has any idea what they are doing. I have called 2 times today just to speak to my dad's supposed new case worker and no one has called me back. Do not use this company at all. They are complete con artists.

I was off work 4 months and had to use my short term disability. They closed my case 4 days before I returned to work and continue to give me the runaround, they also made errors on my case and my case manager doesn't call me back. I hope I never have to use this company again.

My experience dealing with Alysa ** Claims Specialist ** was terrible. She contacted me 2 years after my son drowned and informed me I was the beneficiary to 3 checks totaling $1,000 that my late son had not cashed. I gave her the proper info to get the checks out and told her they would help since my wife is dying from cancer.

This is in regards to MetLife FMLA. When you call the number listed on their website it is disconnected! Really??? How are people supposed to call you in time of need? A business of this size...and you can't speak to them in person? F- HORRIBLE COMPANY!

I’ve had continuous short term disability insurance for 19 years. As a single mom, I never wanted to get caught in a financial jam due to a short term disability. The first time I file and boy, what a hassle. I filed my first ever claim March 2 and was told it would take up to 10 days. It’s been over 20. My employer recently switched to MetLife from another well known company. I have a suspicion that other company is more efficient.

By far the worst experience ever! I have gone without pay from them going on 1 month and have a newborn child I’ve been trying to provide for and it’s getting really hard. No sympathy just the payments have been mailed out! Very uneducated employees that provide different answers/information. When I first filed my claim natural birth is 6 weeks and somehow I only am getting 4 weeks. The guy handling my claim provides false information and his Manager refuses to call back with 4 voicemails I’ve left her. Again, by far the worst experience with these people and pray I never have to deal with them again. By time my issues are resolved I’ll have returned back to work and all of this stress/postpartum depression will have been for nothing.

I tested positive for covid and was told by employer to submit a claim to MetLife for short term disability. I did and for 3 weeks straight I called them to find out if they had reached a decision. Most of the time they would ask "just one more question". I submitted test results and the doctor’s notes. Another co worker also tested positive and was approved the same week. So after a month I was told that I was denied. Another co worker told me that she was out of work for surgery for 8 weeks and got a check to 10th week for the 1st time!!! What do they do at MetLife? It sure isn’t their job! MetLife is a big waste of money and time!

They closed my claim before the dr. released me, then a month after submitting all the paperwork for an extension I'm still trying to get my calls returned!!! They just keep taking messages and escalating it to their supervisor!!!

I was diagnosed with cancer and am undergoing chemo and radiation. A claim was filed for 2 months to get through this extensive Mon-Fri treatment regimen. Extensive medical records and information from the oncologists were sent. The short term disability claim turnaround time passed...no contact. I call every day for updates. I was told they are busy due to Covid; that has NOTHING to do with my cancer claim. I was told everything would be tied up and processed.

Was diagnosed with breast cancer in October. Went out on disability in November. I was told I'd have to have another letter sent to MetLife that I was still in doctor's care in January 7th, which one of the nurses did and MetLife drop the ball and never fix paperwork over. Now it's been 2 weeks and no check, nobody sent me a letter or called to say that I wasn't receiving checks. I'm going through chemo right now, I shouldn't have to be dealing with all of this mess, MetLife drop the ball and never faxed over any of the paperwork to my doctor. I called today and they said by the end of the day.

They are unresponsive, provide np updates, their website is useless because it shows nothing. Customer service claims they can’t get a hold of the assigned agent whose phone doesn’t evening ring. They try to reach the supervisors, nothing. It’s very frustrating to deal with them. I’d never get this through any company again. They are trash!

Out of work since Nov 4., they, (employees) all work from home, nothing is accomplish, make $$$ by delaying. Most useless company ever. My company offers this ** for free, amazing you get what you pay for. ZERO STARS!!!!

I purchased most MetLife products years ago in case something happens to me or my family. I like to be prepared. Well this year I had a stroke so I filed my claim for critical illness. This company prides themselves, per what they say in the FAQ's, about how timely they do things and look into said claims. Man they couldn't have lied more. 2 months, I've submitted all they asked and required to just get the claim started with no response. Their customer service is non-existent, won't follow up, won't communicate. I feel like they are just waiting for me to die so they don't have to pay a claim out. Now I have finally reached out to an attorney to find out what can be done and they told me that, having to deal with them for years that this is how they are.

I placed a claim as I was put out on stress due to my father being in hospice and a week after he passed on 11/30. It is now 12/21 and I haven’t received approval or a payment. Christmas is this weekend and even though I returned to work I will not be paid again for a few weeks as pay is biweekly. I called last week was told it was being reviewed and they had everything they needed to do so, I called today and was told it was in an incomplete status, but they have what they asked for (I was never contacted about anything being incomplete). I’m glad I didn’t sign back up for this through my company, they have just stressed me out more.

I had a claim approved from my employer's disability provider Metlife. When I filed for short term to long term disability, my claim was denied for not receiving additional medical information. Note it took 2 months 24 days to go through the appeals process on my short term disability claim. I sent my information via fax as did my doctors on the extension claim. My primary care doctor's nurse stated my Metlife case manager called my doctor's office, stated she was unable to pull up the information on her computer so she asked my doctor's office to resubmit it.

I purchased this insurance through my employer. I had an Aflac policy in the past and was very pleased with the coverage, payouts and pretty much every aspect of the Hospital Indemnity product. I purchased the MetLife policy thinking it would be similar to the Aflac one. OY WAS I WRONG!! his is the WORST Hospital Indemnity Insurance product on the planet. f you can purchase an Aflac Policy for the sheer convenience of filing a claim, the payment process and the VERY polite and knowledgeable customer service people that they employ, by all means do it.

I have numerous medical conditions & I am now unable to work. I filed my claim with Metlife & all I've been getting is the same requests for information from my doctor over & over again. Info they already have. My doc has sent the same forms numerous times. The case manager for my claim has refused to call me & I have left this woman at least 10 voicemails. Over these 6 weeks, she has never called or emailed me. I have requested 7 times to escalate my complaint, yet no one has called or emailed me. Today, I check my account & see that my claim has been denied, so I called customer service to find out why & have been told that my medical documentation does not support me being disabled. Seriously, Metlife? The government agency my policy is through has declared me disabled, but to Metlife, I am not?

Please let me start off by stating I would have given zero stars if the system would allow. MetLife Hospital INDEMNITY Plan is the worst. I was admitted to the hospital during COVID Pandemic and after submitting my claim and document multiple times, MetLife is still requesting more documentation (even after I spoke with a rep who stated they had received everything needed). I asked the rep do you think I just woke up and decided I'm going to the hospital (for a life threatening illness) today to make a $43,000 bill? The reps are not helpful as they repeat what the correspondence states.

I had short term disability for my knee surgery. Everything went fine the first month. But then everything just stopped. It's been 5 weeks since my last check. If I wasn't living with my parents. I'd be evicted. How can you withhold people's money ? People are being screwed and left in waiting. I've been told multiple times the paper works being checked? You guys have all that info right there? Why would it take longer than a week. I literally made an account on here so I can give a 1 star. Been on customer support for 23 minutes. My wait time was Less than 1 minute. I hope it's a 2nd party messing you guys up. And not just MetLife being deliberately morally wrong.

Having to be off of work due to an illness is stressful enough without having to worry about finances which is why I pay for short term disability thru MetLife. The experience has been truly awful. I have been on short term disability since 5/26. There was a 14 day waiting period with MetLife before benefits started. I did not receive my first payment until 8/4. I received a letter stating I was approved until 8/27. The letter did not state the amount or when I would receive payment. I have spoken to 3 different people and they are unable to provide that information.

For over 10 weeks there has been either no communication with the customer service representatives, disability specialists, and or unit manager, backpedaling of the documents/information submitted, and or new documentation being requested and absolutely no follow-up or resolve from this ineffective middle level management.

I had major surgery 6/11. Started my stm disability process in May to avoid any delays in receiving my financial benefit. What I have found is if you do not follow up you will not have an “approved” claim. I feel that the information you have to supply to your employer to be approved for FMLA comes from your doctor. If there is an extension needed for health purposes on your leave it also has to come from your doctor. The employer should share this information with MetLife to help with stressors that have been created because this is not a seamless process when making the claimant, customer (medically disabled person) do the leg work that should be done by the claims representative and also employer. Not to mention the phones do not work properly and hangup on you if you opt for automated call back. Not happy with the stm disability experience. I expected better support while attempt to focus solely on healing! Not ok…

I never taught getting sick would be my worst nightmare. My illnesses verified by 2 specialist and my primary Dr. weren't enough for MetLife a company whom I have been paying in to for over 4 years. Dealing with Bianca ** and her supervisor Faye, whom by the way never returned a callback, has been a nightmare. Bianca ** will wait until last day to tell me she needed more information. She kept my case prolonged for over 3 months. And I have to day speaking to such an unprofessional person was the nightmare. This company will speak to you as if they are giving you a handout with no compassion no understanding. If anyone decides to get this company for short term disability I can assure you. Their main goal will be to deny you.

This company has to be the worst company to get short term disability. I get it thru the company I work for. I had surgery on June 15. Going to be out 6 to 8 weeks. Now July 8. Still no check. Dr. sent stuff to them June 24. Every time I call, get a different person. They all tell you different things. They lie like crazy. I called again today. They said they are just reviewing it today and there is no time frame to review it and make a decision. But once they are done reviewing it, another person looks at it and has another 5 days to make a decision. REALLY!!! No money coming in. Can't pay my bills. Got my cell phone cut off. Three weeks so far with no money coming in. They don't give a crap. How can it take this long from the 24th of June till now to just be looking at it. Worst Worst Company ever. Just so disgusted.

I’ve been out of work since 9/5/20. I have short and long term disability thru MetLife doctor has me applying for SSDI. Since 10/11/20 MetLife only paid New York State Disability until 3/21 while denying short and long term disability. I had to hire a lawyer. As of now MetLife has until 7/29/21 to make a decision or ask for another 45 day extension. I don’t and will not tell anyone to deal with this company.

If you are a customer of MetLife and have any of their auto and home products then this is the company for you. I have had an auto policy and renters through them for 4 years and they have always been awesome when it comes to filing claims and needing assistance. If you have been lucky like me to also have MetLife Disability thru your employer as I do, keep reading.

I submitted a claim on 11/15/20 and as of today - 1/15/21 - it still has not been resolved. I sent emails, made phone calls, and no one answers. I had Covid and was off of work for a month and trying to get short term disability - which is only 60% of my regular pay. I went over a month with no income and with the lack of communication with MetLife, I have no idea when I will receive my disability payment. I have never dealt with a company with this poor of communication and I am very, very disappointed and would certainly never recommend this company.

This all started in November. They said they sent my check out in mail on the 10th of November. I called them on November 20. To let them know I did not receive it. They told me I have wait 10 working day. So I did. I called them back 23 and 24 of November. They said they Stop paying on the check. Issue me a new one. I spoke multiple people in even managers. They told it would Take 7 to 10 days before I would get it in the mail. I said ok. I never received it. Called Several times. I spoke to manager. She said they would overnight to me. So got my November payment 19th December.

My claim was submitted at the first of October. All information requested was provided. Multiple follow up calls and placing blame on failure of MD to respond. Terrible service, constant run around. It seems that their goal is to NOT PAY THE CLAIM.

Updated on 11/27/2020: After talking to a manager who told me everything was handled a week ago. Friday is here and again no direct deposit. Day after Thanksgiving and Metlife is closed until Monday. No support and no money. Metlife has been a nightmare to deal with.

This is my first experience with MetLife Disability and they are the worst ever. They say they don’t get the information from the employer. But I didn’t know that til I followed up. They said I needed to sign release of information but gave the wrong email address to send it back. I call back and they then give the correct information to fax it back and they said I should get payment in the next five business days.

I was told by my headquarters from My job after two weeks of not hearing back from them that my short term disability case for a broken ankle was denied by MetLife. I have been working for this company for almost 34 yrs. and this is the Thanks I get, I also pay for long term disability with Met-Life and have only utilize once in 1994, I have not received anything in writing regarding the denial as of yet, very poor ethics, these systems are failing us, I hope there is a class action lawsuit based on the many complaints for Met-Life.

I was denied disability insurance after having 2 strokes and a brain tumor (which remains), They kept asking for the same items over and over again. They were sent copies of MRI's CAT scans, letters from multiple doctors advising them I could not work. Claim denied!

I filed a claim for STD benefits with MetLife on August 6, 2020. I have been given various lies from customer service representatives as well as the case manager assigned to my claim. I’ve left several voicemails and nobody contacts you back at all. Now they have completely taken down the STD and LTD benefits certificate off the website where you can view your status, Do not believe anything this company tells you, I am not obtaining an attorney to represent me because this is horrible business!

9 weeks since I had a stroke and still no check. I’ve been told varying amounts of a check that’s in the mail for 5 weeks now. Yesterday I was told one would be overnighted via Fedex. No surprise - no check. Called and they could not provide the Fedex tracking number. Essentially proving they lied yet again. 2:00 on a Friday and no manager of any department could be reached. DO NOT DEPEND ON THIS COMPANY FOR AN INCOME WHILE INJURED!

I was on disability since 12-20-2019. At first short term disability took care of me and done a good job but after 3 months it was over. I was then told I didn't have long term disability. So I called my employer and confirmed I did. Now Met Life hasn't paid in over 4 months saying the Dr didn't send papers but they did. My employer has. 1 day they say I will be paid. Next day another excuse. Been doing everything. I have voicemails mails saying I will get paid and they will call but never happens. Next day new excuse. Never deal with this company.

In January 2020 I became unable to work. I went on STD through MetLife and though there were problems, it was nothing compared to what I'm dealing with trying to get LTD. First, they make you and your providers resubmit everything because switching from STD to LTD is considered a new claim, even if it's for the same issue. My doctors were not happy about that.

I have a Short Term Disability and Accident Injury policy with Met Life. First, I had an injury requiring shoulder surgery. I submitted a claim to my Accident Injury policy. I submitted all required documents including case notes from Dr., operative reports. My claim is denied stating not an Injury but sickness. My surgeon wrote a letter explaining a torn rotator cuff was caused during an accident. They state notes from doctor are not acceptable proof. Lol Who would know better than the surgeon? They denied my appeal as well. I had to threaten legal action and they suddenly paid my benefits.

I am on FMLA for a serious medical condition that I submitted a claim for at the beginning of Feb. My work has it set up not to kick in until 4 weeks since last day worked. They had over a month to get the information together but did nothing. I called and it turned out someone was supposed to have called me To do a questionnaire but didn’t. Weeks go by and nothing. I call and they tell me that the doctor office isn’t allowing information to be shared because MetLife FORGOT to have me sign a release. Shortly after that the dr office called and asked for verbal authorization and I gave it. The Dr office sent the requested information. I have now been out of work 6 weeks.

My Husband collapse on 2/2. We were told that he had no pulse and was unresponsive for at least 2-3 minutes. Next of kin contacted MetLife. Provided necessary information. Because he was only employed for 9 months they went back an additional 3 months. Because he had 2 appointments with his Doctors and they asked him about his health and about his heart MetLife considered this as him having an issue with his heart. He did not. It was a simple visit to make sure he could have another surgery. They have deemed this to be pre-existing.

Absolutely worst company ever. How can a company treat you so bad in your time of need and in a time of your weakest moment? When you already have to deal with a disability it is frustrating enough and even depressing. The Bills are adding up and you are trying to figure out a way to feed your children. You are about to lose everything to the point you will become bankrupt. And all METLIFE cares about are profits not their customers and your well-being. They take your money and deny your claim. Not to mention they drag their feet on denying your claim.

If I could give a 0 I would. Issues getting payments every time with MetLife. I was out for shoulder surgery with complications after with Bronchial distress leading to blurred vision, with peripheral vertigo and still some lung issues and was denied an extension with 2 Drs. putting me out of work. My Employer accepted the Drs. notes but not Metlife so called Dr. reviewers. I was denied, after being put off for 3 weeks. I will now lose my Insurance because I pay my premiums out of what I got from Metlife being on Cobra and no money for my living expenses. I will be filing a BBB review and also contacting a Attorney. This company gets their premium payments but they will fight on payout. Metlife needs to be investigated at the highest level. I have spoken to numerous Agents and 3 Sups and my case worker SUCKS as he does not stay on top of things and needs to be fired. Sorry sorry sorry Company.

Metlife is the worst company to have any type of insurance with. They refuse to pay out claims. You will lose everything during the appeal process. Even with several Dr providing more information. Metlife did receive all documents request with a denial outcome.

The company I worked for had MetLife for short term disability and long term disability so I purchased just in case I ever needed it. I had to use it for neck surgery in November 2019. The short term disability claim process was fairly easy but when it came time for me to transition over to long term disability because my surgery failed and I was referred to a new surgeon for cervical stenosis, MetLife made that process a living nightmare. They sent paperwork after paperwork to me to fill out and every time I asked why they needed it, they would say we have to make sure it's not pre existing.

Went out for open abdominal surgery in June 2019, was out of work for 6 weeks. After 1 week in the hospital, was told by surgeon, spent next 2 weeks in bed. The 2 second week I had a met-life rep on my phone asking me why I wasn't back at work yet? Actually asked me that! - I explained that I had open abdominal surgery and was expected to be out 6 weeks until Dr. discharged to return to work per the paperwork submitted by the Dr office. After 3 weeks, started getting letters from Met-life asking for lab results, Dr. notes etc. I responded " ask the Dr, not me - they cancelled my STD after 3 payments, refused to reopen it after my dr submitted paperwork for recovery after surgery and inability to operate a car. UNUM is a much better insurance company, MetLife is the worst.

Long term disability gave me a new case specialist and basically she doesn’t know my case, didn’t read my file beforehand and decided to tell me how she didn’t have anything listed on a condition she basically was calling me a liar. She made me upset stressed during the call like I was on trial and being basically told to get surgery for something that won’t take away the majority of the pain or issues. I felt she discriminated against me when she stated she has people without legs or arms that are working jobs. And that I’m young, I’m only 44. And continually asking me if I am saying I can’t work, I can’t do anything, I’m incapacitated, totally disabled asking me repeatedly within the same 2 or 3 minutes. Right now it has affected me mentally, emotionally the way I’ve been treated. I didn’t ask for this to happen or cause it. I’ve worked my entire life until now. So do I talk to an attorney or not? The conversation was recorded.

Submitted a claim September 2019 and it is now January 2020 and have yet to get my claim completed. Do NOT purchase insurance from this company. They have found every way possible to question my claim including to question my own doctor. This is a pregnancy/maternity claim so very straightforward however MetLife has continued to try to deny my claim. It has been one issue after another and once one obstacle is proven in my favor they just found another thing to question. Even have had a claim specialist ask me what I was feeling and thinking at the time the doctor put me out for a 2 week extension due to depression?! This is not ethical! Only this should be between my doctor and I! They have no right to ask these personal questions.

I was put on leave in February of 2018 after 10 years of faithful payments to MetLife LTD they denied my claim December 11, 2019. I totally agree with the other complaints that ALL of the representatives are deceptive! They pretend to be for you telling you all the calming things to say to you during the initial interview after that I NEVER HEARD FROM HER AGAIN!

I’ve been paying for STD LTD CRITICALL ILLNESS LIFE INSURANCE for 4 years now. Almost $200 a month! Put in for a claim in September 3, 2019 for 3 broken bones in my foot for STD. Great first month. They still wanted documents every week regardless of the doctors stating I couldn’t work for 4 weeks. I work a job that’s HARD LABOR! I don’t have a desk job! I was disabled for many years. This trigger my PTSD Major depression and then my House particially burnt dow. It's called a LIFE EVENT! MetLife started giving me issues and asking for documents from the first day AGAIN??? Wanted more than just Doctor's notes and physician asking $100 for every time Met life wanted papers filled out every week! WHEN I DIDN'T HAVE TO GO TO THE DOCTOR TILL THE NEXT VISIT!

My job provides maternity leave short term disability through MetLife. I gave birth to my 2nd son on 11/26. I have been dealing with MetLife since the beginning of November because I ended up having to start maternity leave on 11/06 due to falling and hurting my back. I provided my doctor's office the paperwork needed and they faxed it the same day. MetLife claimed they didn't receive it so I had to go back to my doctor to have them send it again. By then I was out of the 10 day period where they require all the info to make their decision. My claim was in a denied status but I was told they can approve it once all the paperwork was reviewed and a decision was made. I called 3 times asking for updates and was told they will reach out when a decision was made. No one ever got back to me.

If the company you are employed by uses MetLife for Short Term Disability and you are ever in any situation that you have to use it, God have mercy on you. This company has to be the biggest joke I have ever dealt with in my entire life. I have been out of work for a little over three months due to a car accident and my back being broken in two places, and have had to all but beg to in order to get them to do their job for me receive my the paychecks so have up until now. Now here it is three weeks before Christmas, I’m a single mother with a two year old and no other form of income, and I won’t be receiving a paycheck until the 20th of this month, if I am even lucky to get one then thanks to this disgrace of a company failing to do their part yet again. I am at my wit’s end and ready to take legal action.

Anyone that has an employer going through Metlife for disability better hope they never have to go on it. They have people lie to you to make you happy at the time then when the problem occurs it's all, "Well not our problem you were told wrong." When they say you can sign up for direct deposit that's a lie. They don't have such a thing. They actually do electronics transfer and that takes just as long as getting a check in the mail. They try saying it's your bank's fault then when you call them out on their lies they tell the truth. So if possible I would not go through this company. Jobs must get a break using this joke of a company to screw over people.

This confidence trickster short term disability company is the worst company I’m dealing with. I’m injured and can barely raise my shoulder, but yet they are canceling my short term disability claim. They are having nurses like myself reviewing our cases to determine if we should receive STD, not even doctors. I’m done with the crooks. They ain’t getting my biweekly payment out of my paycheck ANYMORE. Why did I stay, when my union change from Primerica, I never had issues with Primerica. I really wish I can give them a -0 for review.

MetLife has consistently challenged and even denied short and long term disability payments prior to my heart surgery. I have been 2 to 3 weeks proactive in getting documentation to them and they would still find reasons to delay and deny payments. In August 2019 MetLife contacted my Cardiologist and pressured his office to reduce the time off he requested I needed.

That this company is still allowed to write insurance products is criminal. They are timely and aggressive about collecting their premiums year after year and quarter after quarter but deceptive and obstructive when it comes time to pay for a claim. At the time of my claim I required replacement of both hips and could not walk more than a few paces. My life was consumed with trying to get through my daily activities. My business and professional life suffered and were just barely maintaining and staying above water. My outside activities were totally restricted due to immobility. I was confirmed disabled by 4 treating physicians.

I was very discouraged to read the reviews already on here as we are in our third extension and experiencing the we haven't received the paperwork run around. It is very upsetting to deal with this as living on 60% of your salary is hard enough without having to fight for something you have paid in to for years. I would recommend Met Life Disability insurance to NO ONE.

Was very excited to have MetLife added to our insurance. I'm a master technician in the powersports industry. I required surgery and was told I would not be able to lift over 15 pounds for 8 weeks. I return to work after week 4 because Met life kept dragging their feet. I will now require more surgery because of the damage I've done by returning to work too soon, because this company would rather take my money than payout. I called and verified they had everything they needed to move forward with my claim. They told me twice "Yes we have everything. I can't seem to understand why it hasn't been processed yet." I was assured I would have an answer within 10 days. It has now been 3 months since my surgery. They are now telling me they need more information from my doctors. If you are planning on any assistance from their short-term disability Don't!!! They would rather take your money then help.

I have read the numerous complaints about MetLife and I am dealing with the same issues. They constantly claim paperwork was never received and they denied my claim without the proper facts. They are out to deny benefits, Period. They are dirty, unethical and care nothing about the people they insure. How do the caseworkers look at themselves in the mirror every day? It saddens me to see how many people have lost everything fighting against a dirty company like MetLife who denies claims for people who have legitimate injuries or illnesses. I would love to see a class action lawsuit filed against them—sign me up.

Same as all the other reviews! Had surgery on my hand June 10, 2019.. Metlife approved my claim until July 8. I work in a factory that builds power steering columns in which you’re using your hands constantly. They never receive the fax from the Dr the first time so you have to bother the Drs nurse to re-fax paperwork. To extend the claim they need more info from the Dr. Had physical therapy fax paperwork (9 pages).. Every time I call it’s in review.

Despite reading these reviews a few months ago, I was skeptic about this company, but gave it my benefit of a doubt anyway. They approved me for FMLA back in April and for short-term disability April-June with no issues aside from the hassle it took having to have my primary care doctor resend paperwork repetitively because they didn’t receive it according to them numerous times.

In my experience this company has been terrible. My employer pays them millions of dollars to insure us miners when we cannot work. All they do is find loopholes to deny employees their benefits when they are hurt. They make you jump through hoops just to find a reason to deny you anyway! Any employer looking to insure their employees please DO NOT choose this company. They are rude and most of the time won’t even call you back. Worst short term company I have ever set with.

I received long term disability payments for 3 1/2 years and then all of the sudden MetLife decided I was no longer concerned disable even though NOTHING changed in regards to my health condition. I went through multiple reviews (which includes the submission of a lot of paperwork) over the years and got approved. My primary care provider wrote "no work or activity" but my case manager told me another one of my doctors (specialists) indicated that a sedentary job would be suitable given my physical limitations. Now I have to find all that documentation and talk with that specific provider. Seems like it is just going to be long, drawn out process. I spent years paying into insurance for that "just in case" situation so I would not have the burden of stressing over living expenses. Now, I've never felt so overwhelmed.

I have been paying into a critical illness policy for 10k thru my company. My husband was diagnosed with AML, the worst Leukemia you can get. He then had to have a Bone Marrow Transplant. I have been going round and round with them for 3 months and they won't pay me. I have given them every piece if medical records since the day he was diagnosed. These disgusting corporate insurance company is heartless. I'm struggling and almost out of savings and every time I call they keep saying it will be another 10 business days. 10k to MetLife is like 5 cents for them. They are tight wadded and do not care about people. When I finally get back to work, I'm going to try and find out if AFLAC is available. I've been reading reviews about them and I hear they're much better. PLEASE DO NOT PURCHASE ANY POLICIES FROM METLIFE. They could care less if a member has cancer.

I had a TBI in May of 2017. I have a lot of problems and have recently been diagnosed with even more serious issues. I had read the reviews and was approaching my two year evaluation. I was so fearful and afraid. I provided all of my medical information. My husband made sure my claim number was on EVERY piece of paper - he did a lot of legwork picking up records, emailing and sending paper copies. We kept in close contact with their nurse and medical team, returned every call and saw every expert and got every evaluation they requested. I just received our approval notification.

I while strongly urge using another provider for your needs, unless you like fighting every claim made. From dental claims to now my short term disability being denied. They have no problems taking your money but when you need to file a claim good luck receiving any benefits from this company.

I have had a FMLA claim for about 9 weeks. EVERY TIME I need an extension I have to call my Dr. to have them send something to MetLife. MetLife then proceeds to sit on it and do nothing for days on end until I call them to motivate someone to do their job. I have continuously been lied to by Karen ** and Joy??? (case handler) and was not transferred to Manager Linda ** because she was "not available" and I have requested Joy have her manager call me back today which I am not optimistic that will happen even though Joy said she would have her call me back today. This is the WORST CUSTOMER SERVICE I have ever experienced and I have gone a few rounds with my cable provider before and they don't lie as much as EVERYONE at MetLife does. If I could change companies I would have done so before my phone conversation had ended, unfortunately I don't dictate what Citibank (employer) uses.

If you have this company and going out for anything that isn't a crippling physical ailment be prepared to receive 4 to 12 weeks only. They only approve physical severe injuries. If you have something outside of physical injuries they expect 3 months to be the healing time and to be completely fixed. This company is one of the worst companies I have ever dealt with.

I've had the worse experience with MetLife. As long as I've been paying for short/long term disability coverage the first and only time I ever needed it I was taken through the most extreme issues. I suffered a heart attack oct 24-2018. Was out from work until January 2nd 2019. During that time MetLife MY own insurance company gave me every reason as to why they shouldn't have to compensate me until I'm released from my cardiologist to return to work after my Dr's, called and faxed everything MetLife requested they still denied my claim the first time when I was well within guidelines to receive my benefits so I put my attorney on it.

I was involved in car accident 11/6/18 and have been out of work since. I have a TBI/concussion. There are nights I don’t even sleep. I've been in a lot of pain. I'm unable to even go out and do errands or drive without having problems. A lot of problems with pain, migraines, light and noise sensitivity, severe problems sleeping, dizzy, nauseous and electronics bothering me. I was on short term disability and it just ended on the 21st because I was denied to continue on. They claim preexisting because an incident at my daughter's school in May where I got hit with a pole and went to get checked out by my doctor. That incident has nothing to do with my car accident. I was able to function, work, drive, sleep and go on electronics before this accident.

I was covered by MetLife, had an injury to my spine whilst at home. Had to have emergency spinal surgery and a disk removed, due to the onset of paralysis and potential death. Currently recovering at home, tried to make a claim as cannot work for 6-8 weeks to begin with. I was told under the conditions of the policy my accident wasn’t an accident as it was not violent enough. So cannot claim under the policy, what a useless product and policy. Don’t waste your money, it sounds really cheap the cover; it's because you're not covered at all. If I could give zero stars I would.

I am a 53 year old woman who has experienced some menopausal anxiety due to hormonal changes. My doctor gave me ** to take as needed and so I put that on my application, mind I have never missed a day of work due to the anxiety but it was on the high scale so I wanted to do something short term to help me and the beta blockers made me nauseous. The only other med I takes is ** for high blood pressure and Met Life rejected my short term application for a naturally occurring stage in a woman's life which has long been put behind closed doors. I am so furious with them I am seeing red. Thanks for standing behind women Met Life in a difficult time of their lives because I take a ** now and then to help me get through it.

I hate to even write this but MetLife was horrible in general to deal with at least from my experience. I would like to have been able to outweigh the good with the bad but no such luck. I did have communication with a few good people mostly the call center though. My claim agent was horrible, never communicated what was needed or fax my doctors for it. I was put on a suspension at one point because they didn’t fax the paperwork, then after I spoke to a supervisor they approved it because it wasn’t my fault but only approved it to current day. Which then meant I wasn’t getting a check the following week. Due to the fax time and 7 day window to review the paperwork I wouldn’t receive a check for at least two weeks.

In late July I was injured in an accident that required cervical spine surgery. I have not been able to work since. After reading dozens of negative reviews from people who've had bad experiences with MetLife, I became very discouraged. There are lots of stories here from people who never got paid, or who've been fighting with the company for months. I was sure I was headed down the same path, destined to become another "victim" who'll never receive any of the short term disability payments I'm entitled to, even though I've been paying for an STD plan with MetLife for over ten years! But, much to my surprise, I DID received benefits. Sure, it took a few days for the claim to be processed. But once a determination was made, I had a check in hand within three days.

I'm unable to go into great detail due to most recently obtaining legal council. Diagnosed with Hereditary Coproporphyria in March of 2007, disabled March of 2018. STD barely approved, ended June 27th 2018. Filed for LTD, claim denied, due to lack of information and that my rare disease does not cause what my September 10th 2018. My Dr. that specializes with my type of illness has written several letters, verified with several clinical results that this disease is Acute, progressive and disabling.

MetLife approved my disability claim through 2027. Each year or so I am asked to send in the proof I am unable to work. March of 2018 I had a reconstructive foot surgery which required me to be wheelchair bound for 2 months and then to a walker. MetLife canceled my claim. I have not received a payment since March and it is now September. With each call I either get someone I can't understand who wants me to do their work. A doctor's office will not send MetLife information at my request. When I told a claims adjuster this and advised she must send in a request for my information, she advised me that it was my responsibility. I am struggling severely because of their lack of concern and refusal to pay my benefits. You can never speak with the same person twice and tell you a new lie every time.

I took out the MetLife STD/LTD DISABILITY via my employer the very first time I became eligible for benefits, which was after 90 days of employment. Little did I know at the time but this was one of the best decisions I could have made. I developed a neuro condition less than 3 months later and after a visit to my Primary care physician, then the ER and finally to a neurologist, they all who agreed on the diagnosis. While it certainly was not a common condition, it could have been a lot worse.

I been paying my MetLife for about 19 years from my job. So on 8/26/2017 I was unable to work. I was admitted to the hospital. I have to have surgery on my foot so I had to file for STD. Got approve so after STD was up I had to file for LTD because due to my injury doctor said I couldn't do my job at work. My job don't do light duty and my specialist told them in May that I was disable. My job told me they had to let me go but here's the kicker. MetLife approve my LTD for two years in May. After one month they sent me a letter saying my case was under review.

Worst company ever. I had a leave set up to care for my mom while she was going through chemo. It took 12 calls and the doctor faxing the same documents 4 times to them in order to get the leave approved. I missed my mom's first chemo treatment because of it. Recently, I was out for my own leave. My doctor filled out the form stating I needed to be out for 6 weeks. I was denied because my doctor didn't put on the form the diagnosis and the non-OTC medications I was prescribed yet nowhere on the form did it ask for those things.

Same issues as everyone else, you pay for a benefit that will pay you in the case of a medical hardship, only to not receive the benefit when you need it. I recently had shoulder surgery for a torn labrum that required a 12 week recovery. MetLife closed my claim twice during this time within 9 weeks claiming more information was needed. To shorten this up, I've been out of work 10 of 12 weeks and only been paid for 8 weeks, and had to fight like hell to get that. The purpose of this benefit I've paid for over a decade is to have a source of income when medically needed. MetLife takes your money and makes excuses not to pay you. Do your selves a favor and put the money you pay for this benefit into another account. Come January, they're fired!!

I have Short Term/Long Term Disability coverage with MetLife through my employer. I have been with my employer 7 years and they switched insurance providers 2 years ago. Metlife approved me for unpaid medical leave with no problems, but my STD claim was denied because the medical records were never received even though my doctor did send them. Unreceived faxes happened constantly. I appealed the decision and figured I would have no problem with approval once the medical records were received, but I was wrong. They decided my doctor did not submit enough proof my condition was debilitating even though my doctor's notes specifically said I couldn't work due to my pain. They also stated my doctor did not call their medical director back, but he did and received a voicemail. I have now retained a lawyer and hoping once he gets my file, determines we have a case.

Worst company ever!!! I've had to appeal for my short term disability benefits twice only for them to say your medical doesn't support your claim. There needs to be a class action suit against them. Don't buy from them because they don't stand behind their product and their process needs to change. My caseworker was so unprofessional and the clinicians are clueless. I hate them!

First off to anyone suffering a disability or health problems, I’d like to say that I'm sorry. And I feel terrible. Because I'm not a sociopath like MetLife and their entourage. I actually can feel pain and sympathize. Correct me if I'm wrong, but what is the definition of crimes against humanity? According to laws it means that when a large amount of innocent people I'm talking thousands are intentionally being tortured like we are. These I think are considered crimes against humanity! Pls respond if you agree. In my opinion this needs to stop! They think we are weak and going to break down and give up. Those are their intentions. But they can't fight an army of us speaking the truth getting together and voicing this to the public! Taking legal actions.

Short Term Disability claim suspended. I have eye condition that I found out is a part of autoimmune disease. Almost went blind and short term disability claims specialist said the nurse wants to know why I cant work as Reading teacher and my claim is suspended. I don’t know any Reading teacher that can work if they can’t see. I am not sure why MetLife thinks this is okay to do but I will file a complaint with Attorney General's office right after I leave this post.

My story is the same as everyone else’s on here. They cover about 4 weeks of disability and then stop and say you’re healed. But, my dr’s including the Mayo Clinic have not allowed me to return to work. I have the use of one arm & one leg. I’m currently in the appeals process, they’ve made what should be a time to get rested and we’ll absolutely hell on earth. I’ve gotten letters from work that I’d be fired if I didn’t submit such and such documentation within 10 days and that I was on an unapproved leave, that turned out to be an error from MetLife. I got that notice on my son’s birthday.

I said that if I have problems with my claim that I would update my review. Well I had NO PROBLEMS with my STD insurance which was paid by my employer. The MetLife LTD claim on the other hand is done directly thru MetLife and boy did the games begin when that process started. FIRST AND FOREMOST make sure that everything you do on the phone is recorded by you and be sure to state that you want all conversations in writing.

I get MetLife through work, my father has ESRD, and I am driving 4 hours to help take care of him. I am having a very hard time dealing with this. I am diagnosed with major depression and anxiety, my doctor sent a letter to MetLife saying that I needed short term disability. I have seen therapists , psychologists, and have been on several medications. MetLife denied my claim, saying depression is not something they can approve, so I have to go back to work against my doctor's request. The case worker has been rude, and didn't seem to care. I have been paying for this benefit through work for 15 years and have received nothing but grief from this company.

Well it is very sad when your employer gives you this security net of long term disability from MetLife and you think it is good to have. So I was on short term and that was fine. So I filed my long term, because I am unable to work. I give them all the paperwork and then some. My case manger calls me and says, "Well your medical used was good for your short term claim but not now. You are denied. Feel free to submit an appeal" What a damn Scan!

I am a Army Veteran and was deployed in Iraq back in 2004-2005. During my time I was on convoy protection for fuel trucks. Last year I got into a program where I was diagnosed with PTSD, TBI, and anxiety disorder. The effects of these problems caused me issues where I was unable to work and I was even approved for STD. I was actually still receiving for my claim until the start of March of this year. They suddenly stopped paying and stated there is not enough medical evidence to support my claim. This is funny because again I was already receiving this benefit prior. My current Therapist, who also works for VA had been submitting documents to support my claim. My Therapist wondered why this stopped when there was no problems prior. I have yet to receive a honest answer from them as to why this changed.

I was on short disability due to pre-pregnancy complications and needed to be on strict bedrest for months along with me being in an out of the hospital. This caused me to have severe muscle atrophy and lower back pain, along with postpartum depression. I required months of physical therapy to regain my strength. When my short term disability claim was exhausted and I went 2 weeks into LTD. Since I pay into LTD with MetLife I was able to file a claim. My claim with MetLife was denied after their physician read through my physician's notes and I was told that the reason why my claim was denied was that, "Their physician felt that physical therapy for muscle atrophy from months of bedrest and postpartum depression diagnosed by my physician were not sufficient in his eyes".

I purchased MetLife Long Term Disability Insurance thru my employer and paid every month for 13 years. I became disabled due to a condition of my spine that required surgery. I never got better or was able to work again. I had to fill out a lot of paperwork and be seen by several doctors but I have received my disability claim. I have been paid monthly for over 10 years now. I do have to get my doctor to do an annual exam for them regarding my condition but that's not a big deal. I have been offered a cash-out option but don't have the exact info on that as of yet. Bottom line is that if you are verifiably disabled and your doctors agree and you are diligent in fighting for your claim then they will probably pay you. No company likes to pay claims, that's now how they make money but this company is not a scam.

I was out on STD in 2012 and again in 2018 with NO PROBLEMS what so ever. They sent me forms ONE time to fill out. My Doctor filled out the paperwork as best she could and I sent them into MetLife. Never received a phone call, never received any other paperwork. My paychecks and my benefits continued to be paid with NO PROBLEMS. In 2012 the claim was for 3 months, and the current claim will be for 6 months. I have another month to go for my LTD paperwork to arrive, but I don't anticipate any problems. If you have a serious medical condition and complete the paperwork they request, at least for me, there does not appear to be any problems such as is all over this site.

For the second time in 3 months I have had to go out of work on short term disability. Both times MetLife has been absolutely unbearable. The way they speak to me is intolerable, unprofessional. I am 7.5 months pregnant and dealing with the stress of MetLife is harder than actually being at work. It’s so disheartening and absolutely absurd. They accuse me of being dishonest about my condition, claim they never received documentation that has been sent multiples times. Additionally, they want a doctor to doctor consult and after several attempts from my physician they don’t call back and instead harass me. MetLife is a sad excuse for a business and they lack compassion and professionalism for people who are in grave situations. If my company had another option I would take it because MetLife is a joke! I don’t want to be out of work, sick and stressed during my pregnancy but they insist I do.

In 2014 when one of the METLIFE (Insurance company) Senior manager sold me Policy no **. He promised me saving return accumulating to over 10 lakhs if I continue to pay my yearly premium of approx. 50,000 every year. Along with this endowment lifesaving plan which will continue even after maturity of Plan post 10 years, I was also provided and was assured health insurance as per policy. I got health insurance copy from METLIFE Only in year 2014 till early 2015; Since 2015 I have been chasing and calling the PNB Metlife on emails and grievance and have not been issued any renewals on health insurance policy or any benefit.

I applied for long term disability with MetLife May 2017. I faxed my Dr papers. I was denied 3 days later. I since then filed a appeal with more Dr letter. More medical records. The person over my appeal called. Did another phone interview. After the 45min on phone she says they have to again speak with my Drs. Then by saying it can take up to 45 days or more before I get a response... MetLife is a scam. If they do pay it will go back to 2016. Sad all this company are ripping off the Little people.

After going out of work the end of September 2017 due to severe migraines and my boss telling me, "If you were not on FMLA, I would write you up". I began getting the migraines daily and could not work at all, so per my doctor he took me out of work and I applied for short term disability. After MetLife requesting several documents from me and my doctor, they denied me, telling me it had nothing to do with workers compensation or work. Well, no of course not, this all came from severe migraines and if I knew this from the beginning I would have never continued to pay for your fake disability insurance.

I pay for disability insurance through payroll deductions. However my employer is involved in all transactions but they do not pay a dime. I was off work for 9 months in 2017 and had to pay my employer $127.42 each month I was off totaling approximately $1000. I was on workman compensation for an on the job injury but my employer paid my elective insurance cost unbeknownst to me totaling $3,879. I had to pay these funds by 12/31/2017 although I was off work for several months. I feel that the employer should not converse with the carrier representative unless I request their assistance. MET Life informed me I cannot collect disability payments while I am off work and receiving workman compensation payments. If I pay for disability insurance I should have been allowed to collect it.

MetLife may be one of the worst companies to deal with that I know. They delay and confuse simple process, require unreal documentation, record every conversation, look for every way to discourage both the insured and the doctors working with you to get a denial of benefits regardless of the obvious conditions and situations. Do not expect to be able to obtain your benefits without a huge battle.

Do not get insurance from this company!!! #MetLife are the worst, almost criminal. They will ask you for documents, more documents and will not give you a straight answer to the status of your claims and will try to tire you out. I have been going back and forth for half a year on a disability insurance that I have had for a decade where I made diligent payments etc... I gave them all my financial docs for 3-4 years as big as 2 dictionaries... And they have had it now for over a month and can't give me an answer... Now they want my last month's docs and more docs signed - the ones I already signed but now with today's date now... Etc... The same one they had me sign months ago but now with an updated signed date. Get it? They just want to tie you up in paperwork in hopes that you will get tired. This is a criminal enterprise and I would not recommend getting insurance here unless you want to have a heart attack.

I was denied for Short-Term Disability (STD) under the University System of Georgia group policy because I had PTSD and took an SSRI for a year. MetLife said I couldn't exclude PTSD coverage because it was a group policy. They encouraged me to dispute the denial. HOWEVER, after I tweeted about it, two different corporate representatives in the Statement of Health division called and told me all disputes related to PTSD or Anxiety are denied. Anyone who has had one of these conditions "fails" a "pass/fail" evaluation. Therein lies the fraud. A fake dispute process means MetLife is defrauding patients and insurance companies because the dispute letter must be written by the applicant's psychiatrist--which costs $$$.

My wife short term disability was denied by MetLife on November 21, 2017. She was injured in a motor vehicle accident in July 2017, and treated by chiropractor, medical doctor, and neurologist. She has bulging disc in the neck; shoulder back, and is still in significant pain, back, neck, shoulder, headache, dizziness vertigo short term memory loss etc from concussion. I took over the tasks that have become too difficult for my wife to do. I watch her suffer as she tries to do simple things that was normal. She forgets why she got up from a chair or mid sentence what she was saying. She is unable to help our 4 kids with homework although they has a graduate degree. Yet MetLife disregard her neurologist report. Added to that, they lied and claimed they have not received documents from the doctor who originally took her off work.

After being 5 weeks off for becoming sepsis from a emergency hernia mesh removal. MetLife has yet to approve my claim going on week 6 and no money. Luckily I had savings and I was able to pay my bills and have food no thanks to MetLife. I called to see where my claim was in the process the "specialist" NOT!!! Never knew what was going on, every single one of them couldn't tell me. They said a case manager would call within 7 to 10 business days never heard from her at all. So I'm in week 6 won't hold my breath...

I had surgery in August and have nothing but trouble with Met. My caseworker never answers her phone and the other agents tell you something different every time you call. Have had the same issue as everyone concerning paperwork. This has been a nightmare and I get no support from employer. Other coworkers have had the same problems. I had 5 hours surgery and 6 inches of colon removed and have to wear bag and they treat me awful. I did speak to one agent and she found paperwork in the wrong folder duh... That they had been saying they didn't receive. Michelle ** is my case worker and she called the other night at 8:00 at night and guess what she wanted... Paperwork! I hate this company. Would not recommend them to my worst enemy! We need to file a lawsuit against this company... Who is with me?

I had to have urgent surgery done and I went through the proper channels to get paperwork for Metlife, FMLA, and time off for my employer in order to take my leave. Well, it has been 5 weeks out from my surgery and I am still healing. I have yet to receive a payment for the previous weeks at all. I have worked for my company and paid into this program for 3 years and when I finally need them to do their jobs; they are stating several times over that they did not receive the paperwork I sent them BEFORE I went on leave. I had to send my HR Director fax receipts of the items I sent them because they made her believe that I did not send them. I have had my doctor's office send the paperwork they have required for a total of 4 times and I have not heard a live person yet to tell me where my claim is in the processing queue. I am disappointed, hurt, and I feel helpless. I am a divorced single parent who receives no other income.

Suddenly after a few years my caseworker disappeared and I got a new one who doesn't return my calls. Has anyone else rejected a low lump sum buyout offer from MetLife and then got a 2nd (and hopefully better) offer??

After paying premiums for 23 years I recently filed a claim for Short term disability after having major surgery. I was mailed 2 checks and then they "Suspended" my claims. Numerous attempts to contact them were made and no response. I will be out of work until July 24th as per my surgeon. Having no income is not an option. There has been no reason as to why my claim is suspended. This is no way to run a business; especially after paying them monthly for past 23 years. I don't know what my next step is as they will not return my calls. I am danger of losing my home and that is not acceptable. I need some guidance as to what my next step would be. Thank you.

My husband had surgery in April, and then started radiation treatments. We completed all paperwork, doctors have completed paperwork twice - faxed it all in - three times as of last night. I called last night to get status update - woman told me it was cancelled May 15. Then, she told me we did not have disability insurance. After a couple more rounds with her, she had the wrong customer pulled up. When I asked to speak to a manager (I was still being very polite), she came back to the phone and asked, "He wants to know what you want" (word-for-word). Then, "He says you haven't submitted any medical information." Three separate times, I've faxed 38 pages to this company, once, I called and verified receipt the next morning - and was told they had received it. I notified their customer service, but as with many of the other complaints I've read - no answers, no calls back, no notifications. AMAZING!!! Time to get a lawyer!

I have std thru MetLife. As of April 28, 2017, my experience with them has been horrible. The customer service reps that initially have NO Idea What they are doing. Over the past couple days I have called MetLife and have been put on hold for no less than 10 minutes each time. Finally transferred. To my case manager, kept getting voice mail. Left more than 10 phone calls to her... Finally spoke to her today. She was unable to answer 1 very specific. Unfortunately this is the disability provider has chosen for our benefits. I would NOT recommend them to my worst enemy... Not satisfied at all...

I am pretty happy with MetLife. I had 2 herniated disc in my back, had surgery and 6 months later herniated one of them again. MetLife has been pretty good on both STD leaves. I will say though on the first one we had issues three times with them telling me they hadn't received documents and the doctor office showed me proof where they had already sent them. As in all service today, most is extremely lacking and it's up to the individual to stay on top of any company to make sure everything gets done. It's a pain in the butt but unfortunately that is reality. I would have given them a 5 if not for this as who wants to sit on the phone and make multiple calls trying to take care of things when in pain.

MetLife discontinued selling Disability Insurance as well as terminating its field force. Thus it likely that they will refuse LTD claims payments to conserve their capital. They stopped selling the product for a reason and Terminated their sales force. So it is unfortunate that when people need their benefits paid, this company will not reputably stand behind their product, nor treat customers with respect. In 2016 MetLife was also served with a fine of 25 million dollars for their agents misrepresenting and misleading retirement products - Variable Annuities. This information points to flawed business, and questionable continuation of MetLife. Prior articles note the "Too big to Fall" in court.

I am on short term disability since the 6 of march 2017 because of severe spinal stenosis. I went to my Dr. on the 8th of March who recommended abstaining from work until after the lumbar transforaminal, scheduled on the 21st of March, had taken effect. The subsequent medical evaluation is scheduled for the 3rd of April. I informed MetLife of all the relevant information on the 16th and opened a disability case. I received a letter on the 18th (postmarked) with a date of the 16th on the letter, saying I had three days from the date on the letter to submit medical documentation or my case would be closed. Obviously, that left me less than one day, as the mail comes in the afternoon. I was miraculously able to meet those demands. That is I contacted the doctor's office and had them submit paperwork Metlife had sent to them.

Just looking at all the negative responses to this company and wonder why nothing changes. This is the company my work institution has used and I had to pay into all those years of working (20?+), and now close to retirement I got injured and needed early retirement. I found out I would be able to get SSDI but it has taken forever to get responses from MetLife.

Metlife STD is horrible. Takes a long time to process your claim... I didn't get a check for 6 weeks. Suspended my account because they said I didn't see my doctor every month... Shouldn't have to jump through hoops to get my benefits. Customer service is the worst.

Avoid buying MetLife. Worst customer service ever!! I had a auto accident. Absolute nightmare trying to get my short term disability. People are very rude to my doctor's office. I'm very embarrassed & frustrated. No manager will call you back and help you understand what they need and changes daily when you talk to a different person.

Metlife declined my income protection claim due to not receiving regular medical treatment for my injury. The policy doesn't not state what "regular" treatment is. They have chosen to totally ignore specialist reports that state there is no treatment available including one they themselves commissioned. In a telephone conference they declared regular as being monthly, regardless of whether treatment is available or not. :-( They did however offer to settle for 30k without any claim of responsibility. The total claim is worth 102k. The amount offered was in line with what I had been told by other claimants to expect eg 30% of claim value. Would appear this is standard MetLife policy.

I have never experienced worse customer relations than I have with MetLife. I went for surgery on Nov 16th waited the 7 day waiting period. Today is Jan. 19th & I have not received a check since Dec. 19th. I have called 5 times first on Dec 30 was told my paperwork was received & I should hear something within a day or two. NO return phone call! Called again. Was put through to my claim handler of course no answer. Left a message. NO RETURN PHONE CALL! Called again. Was put through to my claim handler's supervisor & of course no one picked up the phone. Left a message & no return phone call! I have not been paid since December 19th. Today is January 19th. Very unhappy with MetLife!!! Do not know the supervisor's name that never returned my call but my claim handler that never returned my call is Yvette!!! DISSATISFIED BEYOND BELIEF. Lake Luzerne, NY. Forced to check 1 star but didn't want to check any!!!

I was taken out of work for being ill, my physician completed all appropriate paperwork and sent it to the case worker. I placed five calls to the caseworker who still has NEVER returns a call. They have been reviewing the paperwork for two weeks despite being told it would take 5 business days. There is zero compassion for the fact that the inability to financially plan is destroying my health, my credit, my ability to plan and care for my family.

I have patiently waited for MetLife to process my disability claim. I have been out since September due to anxiety, stress, and depression. I am doing everything to get better so I can get back to work. Been with my company for 11 years, but MetLife doesn't care about anything or anyone. Their adjuster never returns my calls (did 1 time) after all the calls I have made to them.

After finally getting approved for LTD, after an extended review period, MetLife has failed to either send a random monthly direct deposit payment or, on three occasions, failed to process my 3% COLA. Each time I eventually got my correct payments, albeit late, without interest and after numerous phone calls in which I repeated the same damned information. Last year, a case manager informed me that I didn't return their medical and financial check-in forms. But I never received the forms! How convenient that these forms were lost in the mail in the spring. Not even Christmas season!

I was on maternity leave and upon having my daughter I suffered with severe postpartum depression that I was put on meds and it was upped three times. MetLife sent my doctor a booklet to fill out and he did. He also spoke with several people at MetLife. They kept denying my claim and my doctor was so mad. I ended up having my lights cut off and my water. Thankfully a friend up paying my bills. I had to go on public assistance and I'm seeing a counselor due to the postpartum and the stress.

I agree with a lot of the comments posted. MetLife is awful when it comes to Short Term Disability. I am a single parent and have been fighting MetLife since June 2016. It took filing a complaint and writing an appeal letter to get approved after almost two and a half months later. I was approved and then cut off again, only because it was determined by MetLife I am partially disabled and if my job can accommodate me, then I can go back to work. Still waiting on ADAA and I have been without income since September 2016. Recently the comment given by one of MetLife's supervisors was "If you can take care of your child, then you are not disabled and can do your job." Oh REALLY? So now you are an experienced Medical Practitioner, Orthopedic Doctor, Therapist, Neurologist, Etc. and know what I can and cannot do.

They're literally the most unscrupulous, disgusting, lying, rotten, awful excuses for human beings in the world. They will lie to you repeatedly. They will never approve any sort of claim. They will give you misinformation at every corner possible. They are simply lying to you to make sure you don't receive a penny from them and so that they can force you back to work despite any illness. How these "people" can sleep at night and even kiss their loved ones is beyond me. They have an option to have a job requiring morals and not the lack thereof. They're monsters, they're not humans. Disgusting.

MetLife disability has to be the worse company that works with Verizon. They have no sympathy for you at all then on top of all the information and forms that make you fill out they still think youre lying or it's not enough information. I was out barely three weeks and the case worker Erica ** was the worst person to handle my case and her manager was no better. Constantly asking for more information. Doctor had already filled out paperwork why I was out of work. Claim took over a month and still didn't get approved even after appeal. Nothing was done. No pay for a month. It's like they the rep think they're your doctor or signing your check. They should be disbarred from handling anyone's information. They rude and unprofessional and don't care about anyone well being.

With SO many people, including myself, experiencing the same thing, is there a lawyer who would file a class action lawsuit? Has any filed a complaint with New York Insurance Commission? I want to get paid, and I am SICK of being the little guy dealing with financial chaos because of MetLIFE!

I have never had such trouble filing a claim for short term disability! I am a single mother. One income household. I had surgery and provided all the documentation from my doctor to be off work for 6 weeks and they only approved 2 weeks. This is a horrible thing to put someone through when they are trying to recuperate! Yes I can file and extension with additional paperwork, which I have and who knows how long that will take to process. Why does my doctor need to tell you 2 or 3 times that I need 6 weeks to heal! I would never recommend this company and will be dropping my policy as soon as I return to work!

2016 has been a year where every medical condition has come down on me hard. I was diagnosed with severe depression and was asked to take leave by my therapist and PCP Metlife took forever to get the documents and my therapist had to take her own time to fight with them. After 3 Weeks I return to work but was placed on an intermittent fmla claim to help manage the side effects of the depression medications and also the symptoms of depression. This took another 5 letters and countless phone calls to get correct meanwhile worsening my condition. Once I reported I was back to work and off of std they felt it was funny to close my intermittent fmla claim which I fought for 2 weeks to reopen.

I have been employed with Verizon for over 9 years. I suffer with depression and in December 2015 I lost my oldest child. I am a single mother and I filed an FMLA claim which was approved through 2017 for up to 2x per week and 2 days per incident. I called my employer and requested FMLA leave recently and then after the 8 day time of being out, I filed for STD to cover the remaining time off. I was hospitalized with my depression and expected to see the first few days on my paycheck as FMLA using what personal time I had left and the remaining time through current as STD leave. I received my paycheck and there was no FMLA coding done and called Verizon to find out about it but was told to check with MetLife.

As a physician, it is no surprise that to utter the term insurance company leaves a bitter taste in my mouth; but my experience with the individual MetLife Disability Department has left me nauseated and just sick to my stomach. I bought life and disability insurance from MetLife in March of 2014, because it seemed to be cost effective. Unfortunately, in February 2016, I had to go out on medical leave.

I went out for Short Term disability for Late Lyme Disease in January of this year for only 10 days. It was directly after my dialysis for 30 days of **. I should have and could have been out much longer but because of the workplace pressure of Verizon, I was made to feel guilty for taking time off. That's only the first bad part. When I get in contact with MetLife I spoke to two different departments, FMLA which these people were nice as can be (understandably because you are not paid with FMLA time off). As soon as I talked to short term disability it began the saga of an awful experience and a fear of ever going out on short term again.

I purchased LTD 15 years ago and recently have had to use it. I am diabetic and suffer from diabetic neuropathy and arthritis. This disease has taken my mobility and most of my usable vision. I am type 1 diabetic. I have never seen a company try to wiggle out of honoring the contract that they sold me 15 years ago. It seems to be a game of lawyers and not a protection contract against a health issue.

I recently went out on FMLA and Short Term Disability leave for 6 weeks. I was assured that these would run concurrently and all I needed to do was have my doctor ensure that all requested information was transmitted. Metlife took less than 10 days to deny payment of my short term disability after receiving only one week's worth of office notes from my doctor. Not only did they not request behavioral assessments from my doctor, they also grossly misclassified my child's suicide attempts and 3 separate inpatient hospitalizations as "behavioral issues." The only thing that has even remotely kept me afloat is a tuition reimbursement I received with my last paycheck. After researching them further, I found countless stories from other consumers. How shameful that an organization is fueled purely by greed and not their responsibility to help those in need; those who have paid for this coverage!

I was on IBM short-term disability from Dec 2015 - May 2016 until my benefits under the IBM Short Term Disability plan were exhausted. I applied for Long Term Disability benefits with MetLife at the recommended time and it took them 5 weeks past when my STD ran out to deny my LTD claim. My doctor is a board certified orthopedic surgeon, a certified examiner of disability and impairment ratings, certified independent medical examiner, American Academy of Disability Evaluating Physicians (AADEP), board of directors AADEP, president of AADEP 2010-2011, chairman of the AADEP board 2011-2012.

I've been on Long-Term Disability since 2009 through Aetna, who just last year, changed their disability administrator to Cigna; and this year, to Metlife. Each year since regaining LTD in 2010, I've been subjected to a 'review' once a year to be sure I'm really disabled. I have Lyme, co infections, demyelinating disorder - to name a few; and now Lupus on top of it, as the Lyme went undiagnosed and untreated for years, leaving lots of time for medical complications.

I had a planned surgery and began my paperwork 3 weeks before I was to be out of the office. I provided the consent to release information to my doctor and was told I would get a call 2 to 10 days after surgery. I did not receive a call and neither did the doctor. I received a letter in the mail that my claim was denied. I had no other communication from MetLife, however, they said they called me for an interview. I completed the interview on the phone and then received a phone call from my employer saying I had been denied because they said they didn't receive medical information from the doctor. MetLife did not ever contact me with a letter or call.

I submitted my forms last June and sent in more info in August. They are still waiting for their in-house consulting doctor to review my claim. I've called the insurance commission/department of my state and they said this was common. 9 months without anything to live on... this is why I bought disability insurance! They can take as long as they want. There is no time requirement!!! They did caution me to keep paying my premium of 15,000+ a year or they wouldn't have to pay anything. Just save your premiums in the bank... as at least I'd have cash right now.

Several years ago I was listed as disabled by another company. I thought they were bad until now. I returned to work. My next employer had Metlife as our short/long term carrier. I had extensive orthopedic issues but continued to work until being diagnosed with Rheumatoid Arthritis. RA is incurable and involves extensive medications, constant blood work, etc. The fatigue and secondary infections are crippling.

I worked for IBM in Denver, CO and suffered a work comp. injury for which I subsequently had back surgery for. AFTER the surgery, BUT, just while I was in my room. I suffered a heart attack and while they tried to place a stent, the dr. filled me up with a litre of iodine dye which I'm highly allergic to and even had an alert wrist band on for my surgery and it was in my files. So, I passed away, was resuscitated, on life support and in a coma for 6 days after having a hypoxic episode (lack of oxygen to the brain resulting in brain damage). When I woke up from my coma, I was suffering from total renal failure, double pneumonia, and other complications. I was in the ICU for 17 days.

I paid in full for my plan. I even have a confirmation ID# to get my money. I was told they knew exactly how much I was getting and they would kick in the plan when I do not receive the full amount! I only get half of my income since 2013 January due to my income being redirected to medicare?

When I got sick and had to have surgery I was worried about my health, my future, life in general. Sudden news of having to have a surgery will make anyone step back and take a look at the big picture. I thought at least I didn't have to worry too much about my bills since I have insurance to cover this type of thing. Well I was wrong. Dealing with MetLife is a nightmare. My wife was on top of this with the proper paperwork signed by the right people and sent the day after the surgery. They start the claim and make you feel like they are on it and everything is gonna go smooth but then they don't call when they said they would. Then they put it off till the next Monday. Still not returning calls. You will not be able to get in contact with your case worker.

I had MetLife sick and disability through my employer Land-O-Dairy and when I was told that I had cancer that was a brutal hit. All the doctors and hospital visit alone was enough to drive a person insane. Thank GOD I had this insurance, if I did not have MetLife I would have lost everything I had as well as my home. MetLife was so easy to deal with. They sent my forms I took to my doctor and they filled them out and I have been getting my monthly ever since. They are great people to have on your side at times like this.

So, I paid my STD insurance for a number of years and as soon as I want to use it, there was nothing but hassles and delays to get payment. MetLife wanted me to visit the doctor every 3 weeks. I was seeing several specialists at the time to diagnose Polycythemia. Every week, I was getting a blood letting and I slept most of the time. Every time I would have to see the doctor, the case manager said it would take over a week to see "If they would extend the coverage". So every week would be stressful. So the paperwork is very confusing and there was never a form to fill out because "They changed the process". At first my doctor had no clue what they were looking for.

My husband was declared permanently and totally disabled in 2012. Under short-term disability, MetLife required a new statement from the doctors every 4-6 weeks regardless of the fact that he was permanently and totally disabled. We would send the paperwork, it would get lost. We would have to resubmit the paperwork -- then we would get a payment including the back amount owed, then no payment at all for a few months -- impossible to plan your finances when expected benefit amounts are withheld because they lost the paperwork.

I have been disabled since Oct. 28, 2011. I started having pain and weakness in my right hand/wrist while working. I was diagnosed with Kienbock's disease which caused death to my lunate bone which required surgical excision. I have been left with chronic pain, loss of sensation, and decreased range of motion. It will not heal or change. This is also my dominant hand. Originally MetLife authorized my case until 2019. I applied to and received Social Security Disability.

I became ill in August 2015. As my illness progressed it became clear to my employer, my doctors and myself that I needed to take a leave since I could not perform my duties as assigned and my illness was progressively getting worse. I put in a claim to MetLife for my short term disability and from the start they were did not provide me with any information as to what I needed to do to get my claim going. I did get a release form and sent it to my Dr's as well, but heard nothing about my claim for weeks.

I'm on a short term disability and at first MetLife approved me for 3 weeks then sent me to an IME appt who agreed with my Dr but Metlife would continue to suspend my claim every two weeks saying they haven't received my Dr notes. I've been going back and forth now for couple of months with MetLife and my Dr office who has receipts of the faxed being sent multiple times but MetLife says they still haven't received them. My Dr office actually talked to the MetLife supervisor but the supervisor denies it to me that she ever talked to her. My Dr notes last that MetLife said they received. I was told the notes weren't good enough. I responded with, "My Dr notes are not good enough for MetLife???" She said, "Yes." Well they closed my claim the next day and been fighting ever since with phone tags with MetLife and calling my Dr office them telling me, "Yes, we faxed them three times now."

This is the worst company to deal with. This is my second job where I have had to deal with MetLife for STD through my employer and the experience has been the same. You can never get a consistent answer as to what is needed. The answer is different with each representative you speak with and the person managing your claim never follows through as they should.