MetLife Disability Insurance Reviews

Well one of Metlife's representatives, Pam, called and stated the approval was an error and I was not approved. When I addressed this with the woman and stated I have written documentation as well as a list of metlife employees stating this was approved, Pam began screaming at me (my wife heard the entire conversation) stating I need to get over it and the letter means nothing!! In addition to this when I initially talked to Pam she stated in the computer it does state the approval, however by the next day no approval existed. When I spoke to other reprsentatives they said no approval existed, obviously Pam erased the approval.

Now Pam states although they received all required paperwork for the claim The nurse whomever this is states she needs more medical information. Supposely the necessary papers were mailed more then a week ago, however we have not received them.

I was only 46 years old and had to get my children through college, mortgage, car and all the other bills we all have to pay. I kept working even though my medical history was more than enough to get approved for Metlife LTD. In August of 2005, I could no longer take the pain so I had to go out on Short Term and then Long Term disability. Metlife immediately approved me because my medical records indicated I was 100% disabled. I hated to leave my Dream job but my Surgeon's all told me I would be in wheel chair in 5 years if I kept working.

My issue is not that Metlife won't pay me.

How would you like to have constant harrassment of Metlife Private Investigators following you to the doctors? How about tapping into my ONSTAR system after I reported the constant PI's parked by my home with their tinted windows. Neighbors telling you that the same vehicles are always driving up and down my culdasack? Having Onstar send you e-mails notifying you that your RED LIGHT on your ONSTAR unit in your car is a Data communication interuption that will cause your airbags to fail to deploy? When the Pi's knew that I was reporting them to Metlife for harrassing me and my family they could no longer prk near my house or follow me so what do they do.... They Illegally tap into my GPS system to follow me or whoever is driving my car.

I began undergoing the only treatment for this condition, which is injections of Botox directly into my vocal cords,which is painful and only a temporary fix, in Feb, 2005. I applied for and was granted LTD. Since that time I have had my LTD cut off or terminated several times. Each time it is bacause Met Life doesn't receive the medical documentation that they have requested, although the medical records department assures me that they have faxed the info to Met Life as requested.

At first I thought there was a problem with the medical records department, however I find it strange that Met Life always receives all records from all of the doctors I see except for the one who is treating my spasmodic dysphonia whick is the orginal reason for the disability. I even had my doctor send them a letter stating that I am unable to work.

The most recent incident was that Met Life sent me a letter saying that they had not received the most recent office notes from my doctor. I contacted the medical records department and had them fax all records from 1/06 thru the present. I called to make sure the info had been received by Met Life and was assured that they had received several faxes of information including information from the doctor treating the spasmodic dysphonia. Then, yesterday, I received a call stating that my disability had been terminated. Today I called and was informed that they hadn't received the notes from that particular doctor after all!

My husband then contacted the medical records department and spoke directly to the gentleman who had faxed the records to Met Life last week. He said he remembered talking to me and assured my husband that ALL records had been faxed. My husband asked him to fax the records from just the one doctor to us directly. He did this immediately. I then faxed the one page of notes to Met Life. I waited about an hour then called to verify the fax had been received. Well, my case manager had already left for the day so I left her a voice mail, hung up, and called back and asked to speak to the nurse clinician who had made the decision to terminate my claim (I had spoken to him earlier in the day. The rep. who answered would not allow me to speak to him, stating that it takes 24-48 hrs. to scan a fax into my claim. Then, she said, it will take eight working days to review the fax. EIGHT DAYS to review one page?? I could read this page, look up all medical terminology, and research the condition in just a few minutes.

Of course, this way I won't be paid benefits for no telling how long,(if at all) so I am forced to just wait on Met Life once again. Thank God my husband still has income or I would be in the same situation as some of the others I have been reading about! Met Life is extremely difficult to deal with. I often feel they are lying to me and that they are just telling me anything to get me off the phone! I don't intend to give up. I worked at the same company for many years before becoming disabled, and that company offered disability insurance as a touted benefit. Met Life needs to give the benefits that were paid for!

I struggle with anxiety and depression due to my disability. These issues are definately aggrevated by Met Life! One of the aggrevating factors of my condition is STRESS! Met Life continually stresses me! I also worry about my finances. I have bills to pay and a wonderful daughter to support! Thank God for my family and their support, I don't know how I would get through this without them!

My Doctor said they used his words to their own benefit to be able to stop my disability payments. I had to leave the company on medical leave due to a complete break down from what had happen to me during my employment. I have not been able to return to any work at this time and am now receiving SSI. My Doctor states he does not know if I will ever be able to return to any job due to what happen at my last employer.

January 1st 2004, Within 7 months after MetLife canceled my disability payments my home went in foreclosures. I was approved in July 2005 for SSI and was given a check for back support; I was able to pay the home mortgage a portion of the back due. I am now making up past dues with my monthly house payments. I do not know for how long I can keep these payments up monthly. I have tried to search for an attorney to help me for almost two years now, with no results. Every attorney I speak with states I can only get 13 months of back payment, and it’s not worth his or her time.

I do not understand how MetLife can be allowed to let this happen to me without being liable for all my suffering due to them canceling me wrongfully.

At one point, I went back to the hospital to again fill out an authorization to release medical information. Note that this was while I was supposed to be recuperating... At the time I went to the hospital regarding the form I was in moderate pain, having difficulty walking and most likely legally intoxicated on **. Upon returning home, I called MetLife to let them know that the form was signed and the name, phone and fax number of the contact person in the hospital. Two days after completing the form, I received a call from MetLife, asking for contact information for the hospital. I was surprised, as I had already given this information to MetLife.

On 6 March 2006, I received a letter informing me that since I had not supplied required information, my claim was closed as of February 11, 2006. I have a prejudiced opinion regarding insurance companies in general and any company selected by my employer in particular, so I was financially prepared for this. I cannot imagine the hell my wife would be going through had I died during surgery. Regarding that, it was successful, I'm cancer free now but that's the only good thing to come out of this so far.

Met Life keeps telling us that we need this or that & we got a different story from every customer rep we talked to. This is down right wrong, & Im sick & tired of beating a dead horse. I believe this is Met Lifes strategy to build their profits at the expense of hard working Americans who honestly need help. Unfortunately, making this information public is our only weapon, because even our doctors dont want to get involved. Not only do we have corrupt insurance, but our doctors fear any legal matter that will cause their insurance premiums to go up as well.

This country is headed for serious problems unless things change!

We have two daughters that will be severely impacted by our loss of income. Obviously this takes a mental & physical toll on the whole family. My wife has been told by her doctors that she cannot continue this type of work.

Tests/Ct's/MRI's show that there is a problem in my upper and lower back, and I also just had to have a deep mass removed from my right shoulder and lower back that was very painful. I'm now going through a living HELL, trying to satisfy MetLife LTD. I've sent them all my PCP's notes/tests and even sent them back the statment they wanted filled out from my surgeon. They keep saying WE NEED TO KNOW!

This is the first time I ever had to go from STD-LTD. In 25 years. They are making me feel like a criminal for just being sick.

I currently get SSDI, but Metlife started recently sending my doctors videotapes of me doing little things and saying I was never disabled, so watch out people. Does this mean that MetLife is more powerful than the government? I don't know. I do know that they will do ANYTHING to get rid of your claim.

In 1999 one of their Case supervisors actually called me and told me I had two choices. Go to NY and submit to their doctors and have a morphine implant pump installed, so I could go back to work, or else. After I said no, they hired an the attorney to get my SSDI benefits, which lowered their monetary output in benefits to me. Now they only pay half. Don't think you'll be able to keep all that cash if you get your SSDI benefits either. I had to pay MetLife back 13k dollars once I got my SSDI. Overpaid benefits they call them, and why am I 18k dollars in debt now? MetLife is the answer.

I returned to work full time on Sep 8th. When I was sick I would get very tired and coughed a lot. I slept about 12 hours a day. I was unable to do anything but sleep and go to work. My wife had to do all the work around the house, run errands, care for the cars, handle social duties, etc. These people say I was not sick. They think I'm trying to scam them. I have never cheated or scamed anyone in my life.

I can get several hundred people to vouch for my character if need be. But, I cannot find anyone that will say MetLife is fair and honest. Two other people that I work with are going through the same thing with them right now. Honeywell HR people say that MetLife should be taking care of the hours I was not able to work, but all they do is make my life miserable. MetLife keeps using the lie that they never got anything from my doctors, but when I checked with them, they have records of faxes sent to them.

Another wrinkle: I called their 800 number and I talked to a lady in Warwick, RI, but she said my case worker was in Conn. However, all mail I've received and things I have mailed to them was a Lexington, KY address.

Metlife continued to send me piece-meal information one by one, to delay my claim and make the process so frustrating that i just stop persuing my claim. It has been 3 weeks now, and I have spent 3 weeks in torture dealing with MetLife. They took wrong information, not what I gave them, and then they gave me different reasons to make me drop my claim. I have been very sick, and it has been very difficult at this time of my weakness to deal with Metlife.

I would not ever like to deal or think about MetLife. They have really made me go through a very tough time. Some of their agents even smirkingly and mockingly talked, I find it hard to forgive MetLife, for making me go through this hell. They finally approved my case for 5 days, rather than 7 weeks, saying that the doctor provided insufficient documentation. My doctor has been very clear, but they just needed some reason to deny my claim and rather than denying, they insulted me, by 5days/1 week, disability.

I wish them bad luck, and I wish, that my agent, Jenniffer W goes through same hell, as she made me go through. I always though Short term disability is a protection for me, but it became my nightmare.

Social security accepted me and pay me, now Met Life wants me to pay them back almost $4000 which I do not have. They enclosed a envelope and told me to write them a check. How can I do that? They also informed me that my check will be cut from $1200 a month to $432 a month but I won't get that until I pay them back.

Also during that time, in January at work, our company decided to go with a new insurance plan which I pay part, but it doesn't cover MRI's, specialts, or the first $2000 of hospital. What is a person to do? Do I have to pay Met Life this money and will they stop my checks? I have nothing to live on!!

I have no money to pay bills since I have been out of work. I feel like a fool going to my neurologist and telling him I can't pay for blood test or MRI. I am now in debt of $4000 and can't pay it. and I live on $804 a month. What is a person to do?

At this point we are a year into this fiasco and MetLife has still refused to provide even 25% of the documentation required by full disclosure laws and there is strong evidence that they have placed all of my wife’s medical records in the public domain and with absolutely no remorse declared it was irrelevant as they were not bound by any of the hippa rules as they are an insurance company and not doctors. After involving the DOL MetLife finally provided us a copy of our policy. After further review of the policy and what tiny amount of documentation they did provide us we found a number of glairing omissions and outright lies they so kindly documented for us and they agreed to another appeal of our case.

No surprise we were denied again but the reasoning for it was at least entertaining. My wife is being treated by a rheumatologist and her claim was denied because she had not either attempted to kill herself or anyone else. Heck if we had known that was the criteria for accepting the claim we might have visited the MetLife claims office and saved all of us quite a bit of trouble. As this is an ARISA policy even if we sue MetLife only has to pay us what they owe us at the time of the judgment.

All attorneys we have consulted with want 40%+ of the total value of the policy so essentially we could very well sue and win and end up with a net negative. My wife was making 100K at the time she became ill. At this time we are at the end of our savings and our patience.

I am very disappointed in the people at this company because they are dealing with people who are not in good health and do not realize that instead of helping, they are making the conditons worse with added stress, aggration and many phone calls which ALWAYS turns over to her voicemail or another representative who says sorry, we cannot help you. However, when you leave a voicemail for the case manager, they do not return your calls.

One of the neurologists that I went to see told me that I needed to take at least three months off and gave me a note saying that I had repetitive strain disorder and that I was temporarily disabled for three months. On 11/29/04 I began my three month leave, understanding that my short term disability plan would not pay for the first month and that I would then get 60% of my salary for the following two months.

In the meantime, when I first called Met life they suggested that I apply for worker's comp, which I did. Then the nightmare began. First I received a letter from Met LIfe stating that my FMLA claim had been denied. It took several phone calls to discover that what they were saying was that my job security was not insured since my employement at his company had not been for a period of 1 year yet.

At any rate, almost four months of phone calls where each time I spoke to a different person who had different information for me (I was being denied because I had applied for worker's comp and I would not be allowed to withdraw the worker's comp case or I have been given different fax numbers to mail documentation to and they seem to have a problem receiving what has been faxed to them, etc) I have now received a letter stating that I have been denied because my leave was not long enough for me to receive benefits (and by the way I am back at work with little or no improvement in my condition) I called them and they said no, no that is not the reason for the denial, it is because the medical documentation submitted did not support a short term disability leave.

I learned from Mike del ducca that they have a nurse that looks at the medical records, and, although I had sent all test results, they only looked at the emg results from a test taken in June, when only my right hand was involved. In addition, because I did not supply doctor's notes from doctor's visits while I was on leave, I was denied.

I asked why they had never told me that I needed to be seeing a doctor while I was out and that if they had, I would have complied and I said that I thought they were wrong in that they did not tell me before hand what I needed to do, so how was I supposed to know what they needed, not to mention that since I did not have any income, it was difficult to see doctors. In addition, I thought that they should have informed me that I was being denied and given me a chance to get the documentation that they required.

At this point all I can do is appeal, as my case is closed, but I would also like to start any action that I can against them because this appears to be a deliberate effort to confuse and to hope that you will give up so they do not have to pay. I realize that my circumstances are not as bad as many other contributors to this effort, but they should be brought up on charges for their deliberate obstructionism.

I pleaded with my attorney that they made the wrong decision. Next, MetLife decided to settle out of court with me and gave me $25,000 check. $15,000 was to pay me back for attorney's fees and $10,000 was to live off of. MetLife attorney gave my attorney $2,500 for getting me to settle out of court. That was back in 2000.

In March of 2002, I found out MS was the real diagnosis and I still can not work to this day. I contacted my attorney when I learned the correct diagnosis and he said there was nothing that could be done.

I had to sell my house, cash in my 401K, have been homeless more than once, more than 8 different addresses since 1999, and sell my personal belongings for food. My husband was furious I was not receiving my disability from MetLife he became abusive, blaming me. I divorced him to stay alive.

In May my L&I went into a pension and I notified my met life worker to let her know. She said they didn't know that I was getting L&I and that I will have to pay back all that money. I told her that I put it on the paper that I just turned in and she said that she assumed nothing changed and didn't look at it. In June I received a letter that all my benefits are going to stop unless I send them a check for $11,000. I had an attorney ask for an appeal since it wasn't my fault they never responded to him. I haven't received any money for 3 months.

I hired another attorney which I had to borrow the money from my mother and because this is an Erisa contract it has to go to Federal Court and I can't get damages. They never tried to contact me to make arrangements or anything until we filed suit and then they contacted my attorney and wasn't willing to settle for anything. I don't know how an insurance company can get away with just dropping your payments with it was there fault. The insurance company knows that when your on disability you don't have the money to fight this and they shouldn't be able to get away with it.

I have suffered a lot of stress to where I was hospitalized and if it wasn't for my mother and boyfriend I would be losing my house and have bad credit by know.

Their policy has a clause that states that if I were sick or injured during the year that benifits were calculted from tthat the previous years earnings would be applied to calculate benifits but they have refused to do so although I have supplied them with records from Ecolab of all pay stubs and 1040's for the last three years worked. I have sent them release information for my ssi records on 4 occassions but they keep stating that they don,t have them and send more request forms for release information.

I have since appealed my rejection, sent letters from my doctor but have only recieved a letter advising that they recieved my appeal. they do not return phone calls and it is almost impossible to get through the phone maze to speak with my case manager directly. I feel that they are ripping off my employer by selling such innefective service on our group polocy.

I have undergone a great deal of stress that I feel is causing my condition to worsen due to the uncertainity of my finances, supporting my family paying mortgage, son in college, and wife working 60 hours a week just to keep bills paid. If my appeal is denied I will lose medical benifits from my employer and if no med insurance then no heart transplant