MetLife Disability Policies

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Edward of Pensacola, FL March 7, 2006

Edward  of Pensacola FL (03/07/06)
In December 2005 I was diagnosed with prostate cancer and opted for radical prostatectomy. Surgery was initially scheduled for 23 January 2006 but postponed to 13 February 2006. (A small non-related bladder tumor was found which required removal prior to the prostatectomy) I made arrangements with the HR rep at my employer to complete the required forms for short term disability; anticipating a total of 4 weeks away from work including 1 week vacation time and 3 weeks disability.
I am retired Navy and had the surgery performed at the Navy Hospital in Pensacola. As soon as I returned home from 4 days hospitalization, I had mail waiting from MetLife, seems they were unable to obtain required information from the doctor. I have made a number of phone calls to MetLife and the hospital to try and get things coordinated. 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 Percocet.

Upon returning home, I called MetLife to let them know 1) that the form was signed and 2) 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.

Meretta of Hattiesburg, MS January 21, 2006

Meretta M. Gerald of Hattiesburg MS (01/21/06)
I was denied STD benefits. I lost my home, my SUV, my credit was destroyed.  I was homeless.

Georges of Surprise, AZ October 9, 2005

Georges of Surprise AZ (10/09/05)
I have been fighting MetLife Disability for the last ten years. I have been through the claims review and denials process (27) twenty-seven times. My claim started in 1995 and I have been through at least like I said, 27 reviews, 10 denials, 3 terminations of benefits, 2 appeals,  one lawsuit, which I thought returned my benefits permanently, since I got accepted for Social Security at the same time, and just three months later I am going through all these reviews all over again.

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.

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