MetLife Disability Policies

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Lynette of Middletown, DE April 15, 2009

Lynette of Middletown DE (04/15/09)
I had to have surgery to remove a thyroid nodule on February 24,2009. I filed a short term disability claim with MetLife through my employer, Citigroup. I went out and had the surgery and went for a follow-up with my surgeon on March 12, when he told me there was cancer found and I had to have the other half removed, which I did on April 10th. I was told by a case manager at Met Life I wouldn't have been covered for another short term claim for six months. My surgeon told me there was no way I could wait that long so he wanted me to stay out until my next surgery and then once my recuperation was done from that then I could be cleared to go backto work, depending on the findings and the subsequent appointment to an oncologist if needed.

I was supposed to have gone back to work March 16th but my surgeon wanted me to stay out. I did not receive a pay on the 31st of March and when I inquired about it apparently they sent a letter to my manager that the extension was denied but I never received a letter. So, they eventually did approve an extension up until March 31st but after that they needed more info from my doctor. I was only going by what my surgeon said to me which was why I didn't go back to work, and I only had 10 days to go until my surgery.

I was then told this extension was denied because THEIR doctors didn't see a reason for me to be out. THEIR doctors will say anything in order not to pay. It's not April 15th and I didn't get paid today. They even went so far as to tell me to work a half a day the day before my surgery so I'd be paid for the time after that! MY DOCTOR DIDN'T CLEAR ME TO GO BACK SO WHY WOULD I DO THAT??????? More calls, even by my mother to them, and I still have to wait until tomorrow to hear more. This has been a nightmare.

Because of me not receiving a pay from the 31st of March until April 9th, a bunch of payments bounced and our bank account went 300.00 overdrawn. It looks like this will happen again only worse. I know he will not clear me to go back to work now since it's been less than a week since my surgery. My nerves have never been so bad and it's taking a HUGE toll on my marriage. I can't deal with these people anymore. This is why I hate insurance companies and I had to step up, especially after reading these other people's complaints.

Mark of Winston Salem, NC April 6, 2009

Mark of Winston Salem NC (04/06/09)
Went out for minor surgery(carpel tunnel) February 2009 and claim was filed by my employer. Took release of records to Metlife to Dr's office 2/25/09, the day after I received the letter. I received a letter dated 2/20/2009, postage machine stamped 2/23/2009 on 2/26/2009, stating that If we do not receive a call from your physician by 2/27/2009, we will make our decision based on the information alreaady contained in your file. Called Physician's office, was informed that they do not release records over the phone. Called Metlife and informed them of this policy, and was told tht they needed more information. I then told Metlife they needed to send a form to fill out via fax to the Dr.

After many calls to Metlife, was informed today, 4/6/2009 that they were denying my claim. Have had to go into my savings account to pay bills, while making several heated phone calls to Metlife. Mother is in a rest home and I go to see her every day, having problems with them over her bill, and dealing with death of son in law 3/20/2009. In addition, have had several furloughs from work due to the economic situation, further depeleting my funds.

Mark of Las Vegas, NV February 24, 2009

Mark of Las Vegas NV (02/24/09)
In 1997 I was injured at work resulting in a long term disability. Metlife is my carrier. First off Metlife immediately had attorneys who handled this with Social Security to avoid having to pay. I am now totally disabled and on Social Security. Every year Metlife sends me a form that my physician needs to fill out. This is not covered by insurance and is an out of pocket expence. For the past 7 years on line 8 of their form my physcian states I can NEVER work again. Yet every year they require this. This year I sent them a cerified letter asking what part of NEVER is it they don't understand. Now Metlife calls again with they're recorded conversation and says we need your physcian to fill out this form. To me this is nothing but harassment by Metlife to try and end my claim.

Carmen of Punta Gorda, FL February 16, 2009

Carmen of Punta Gorda FL (02/16/09)
I paid LTD for many years. When I left the company US Filter a Siemens Company I was not reminded, offered or recommended to file for LTD. I was in such pain, fatigue and stress I forgot I had LTD insurance. I was out of work for approximately eighteen months.

Since 2005 my health depleted, I have been evaluated by several physicians. Thyroid problems, stress and anxiety, fibomyagia and digestive disorders. Because of all these health problems I am to this day having serious economical situations.

Kelly of Louisville, CO January 27, 2009

Kelly of Louisville CO (01/27/09)
I was a systems engineer for Cisco Systems for 7 years. Star employee and given many awards for my achievemets. I began experiencing debilitating head pain which caused dizziness, inability to focus, vision problems, etc. I exhausted my short term disbility while visiting numerous doctors including neurologists, chronic pain management doctors, accupunturest, etc. I attempted to return to work with the help of opiod mediations, which seemed to be the only options for chronic neuropothic pain. I failed terribly as I was unable to work more than 20 minutes at a time due to the horrible pain. I last worked in May 2007.

Of course Metlife denied my first request for LTD. I appealed, with the help and expense of an attorney, and they took their 45 days and then another 45 days only to turn me down after requiring me to see 2 quacks who had absolutely no credentials in diagnosing chronic pain. I've had 3 attorneys tell me this is a joke. I have 2 doctors (experts) state that I am totally disabled, yet they feel a conversation with an alleged doctor for 3 minutes is much more qualified to determine my disability.

It's terrible that they continue to get away with this. You're left with no money, no trust, no energy, and your only alternative at this point is to try to find an attorney who will fight for you and only collect if they can win. Metlife needs to be put out of business.

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