MetLife Disability Policies

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Gregory of Vacaville, CA January 11, 2009

Gregory of Vacaville CA (01/11/09)
Several years in a row the bill for our annual premium comes with only a few days before it is due. Last year, MetLife's bill was postmarked on their envelope three days after the bill was due. Every year we nearly miss paying it on time. Every agent and customer help rep says, You have up to thirty days after it is due to pay, but I doubt they'd be so accomodating if I was disabled after the due date. GenAmerica under MetLife is marginally better, but teir bills also arrive with nearly no time to mail the check back before the due date. Neither offer on-line payments.

One year they changed the mailiing address for the bill so after we sent it in in advance, we found it was to go elsewhere, causing us to have to cancel the checks and reissue them. No other company (electric, phone, TV. credit card)sends bills out with no time to get the payment on time. I am suspicious this is a poly to make people, particuilarly older people, miss their payments and be out of coverage. Additionally, they do not and refuse to send confirmation that the bill is paid. The reps say, Your cancelled check is your receipt. No other business operates this way. Because we have heard from several reps in different states and the ohone reps You have up to thirty days after it is due and you are still covered. and You're cancelled check is your receipt. we suspect this is part of their formal training. We have asked repeatedly for an earlier invoice and have been refused.

Jane of Sacramento, CA November 16, 2008

Jane of Sacramento CA (11/16/08)
In good faith, I purchased a Long Term Disability Policy from MetLife, through Home Depot. In December 2004 (I think), I was taken out of the work force due to several auto immune diseases, including Systemic Lupus. MetLife denied the claim, I used my ONE allowed appeal, and again, they denied. I sent a claim to the State of California Insurance Board, and they said they could not do anything about it because the policy was purchased through Home Depot's HQ, In Atlanta GA, and I am in California. It has made my life almost unbearable financially.

I exist on 1048 per month, Social Security Disability. Impossible, when my property taxes are 4500 alone. The stress of this, makes my diseases even worse.

Dennis of Hamilton, NJ October 6, 2008

Dennis of Hamilton NJ (10/06/08)
IV worked for the same company for 27 years. I paid for out of pocked 40-50.00 for a LTD Policy with MetLife from the first month I started working for this company, 27 years of 40.00 to 50.00 per month! I was hurt on the job and had to turn to MetLife. I severd the nerves in my c-spine. Met life approved my disability claim until I reach 65 years old. I also have to apply for SSD, wich I have done and was turned down two times becasue of my age 49 years old. I filed for Workmans Compensation and it took almost three years to go to court.

MEtlife told several times that if Irecieve any Workmans compensation, it would be deducted from current monthly payments they were sending me. So, I get my settlement from workmans compensation. A lump sum. I faxed the info to MetLife three times. Finally after almost four months of waitng for them, this guy calls me and I cant understand a work her is saying, becasue of his accent! He told me something about an overpayment and that I owed met life 39,000.00! and that I would no longer get anything from them until this was paid back!

During the four months I was waiting fr MetLife to tell me how much they were going to reduce my check every month, I paid off all my medical and credit card bills I had. Nothing much left after that. MetLife also told me that once I get my SSD, they will start sending me checks again, but they will only make up the difference from my SSD of 360.00

Im going to lose everything becasue MetLife lied to me. They said they wanted my SSD back pay and now they want all my Workmans Compensation award after I was told many many times by them that Workmans Compensation awards are paid back by reducing my monthly disability check. Now I have no monthly income after paying these people all this money every month for 27 years of my life.

Doria of Brea, CA October 5, 2008

Doria of Brea CA (10/05/08)
I have a job where I am sitting in a completely tiny, cramped cubicle with broken chairs, broken office furniture, and after a while I developed an inflamed sciatica. I was not able to sit for long periods of time and it hurt to lay back or lay down at all. I went on a short term disability leave so I could get physical therapy done. I was hurting so bad I had to take 3 different meds to make the pain subside.

I had the same problem happen where I filled out all the info needed, called my Dr. to make sure any needed info was faxed and/or sent to Metlife, and over 2 weeks went by with no updates and no paycheck; they claimed they NEVER received any information from the Dr's office even though I called the Dr. several times and they confirmed they sent everything.

Another few days went by until I called and they said they denied my claim because they hadn't received accurate enough information from my Dr.

The worst part other than never receiving my pay was that one of the Metlife reps ACTUALLY said something to the effect that I was not really sick and that Unfortunately like us ALL you will have to eventually go back to work. He treated me like I was abusing my time off. And I still haven't received anything, and I'm going on one full month.

Was not able to pay this month's rent, am now behind in several bills, will not be able to continue physical therapy unless I pay them SOMETHING.

Rekha of Elmhurst, NY September 12, 2008

Rekha of Elmhurst NY (09/12/08)
I am currently receiving long term disability from Metlife. I filed and won the claim for Social Security Disability as of Jan 2008. I received lump sum from Social Security. Metlife sent me a letter for the overpayment. I paid them the lump sum of 3771.50 (Aug 5th, 2008) and wrote a note saying balance they could deduct from my monthly payment. Inspite of my written authorization to take it from the payment they failed to act on timely manner and my payment is held back for last month and half. Last payment received was on July 30th 2008.

I had done everything on time before my surgery for cervical C7 Lamenotomy. I am going thru several medical treatments. I have them paid off and still my payment is held back.

This has cause lot of stress and I am going thru financial crisis. My recovery has been slow and I am not able to buy my prescription on time. I have to borrow money to live. I am going thru physical stress and mental stress. I want somebody to look into and give me the best advise on this issue as what are my rights?

Nobody at Metlife wants to take the responsilities for their mistake each department is pointing finger at other department without any resolution. I feel that they are just delaying my payment. Its electronic fund transfer set up and inspite of making things easier for everybody I have to deal with this nonsense. Its unacceptable. thank you for your time.

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