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Michael of Farnersville, TX February 20, 2009
In 2008 I had a compression fracture of a vertebrae and spent 3 months in a back brace while working light duty. I was returned to full duty with no disability or limitations on work. At open enrollment I submitted an application for Long Term Disability Benefit Insurance which required a Statement of Health. Metlife declined my application. I disputed their denial within the 60 days I was given to respond. They reviewed the information and again denied my application claiming that my fracture was not currently allowed approval to a group rate plan and that the injury was too recent to allow group disability coverage.
I was informed that if I had no symptoms or complications from the condition or did not develop additional medical conditions within the next year, I could re-apply for consideration depending on underwriting guidelines at that time. This is despite the fact that I am performing the same level of work I was doing before the injury. The policy they wrote says I can't apply for disability on pre-existing conditions for 12 months. I understand that is a condition of the insurance. They could give me coverage based on their own guidelines but they are sticking by a clause in their policy with my employer that states they can deny coverage to anyone who didn't apply for coverage when it first became available to the employee. They've created a Catch-22 situation where employees can get LTD coverage with pre-existing conditions and they can't file a claim for those conditions for at least a year but they can't get LTD coverage because the guidelines allow them to arbitrarily deny coverage. In short, the employer claims there is a benefit as part of their recruitment activities but there isn't one if the insurance company denies the coverage.
As a result I am at risk of loss of income should I ever get ill or injured for an extended period of time because I can not get or use a benefit my employer says I can apply for.
Paul of Annapolis, MD June 5, 2008
My wife was diagnosed with Parkinsons disease. She purchased extra insurance as a just incase we ever need it, above and beyond the provided disability. Met Life gladly took took the premium each month. Social security declared her disabled on March 1st,2003 and made it retro to August 1,2002 as that is when her neurologist filed the necessary paper work. She was released from Sanmina Corp., due to her disability, August 18 , 2003.
What the hell else does Met Life need to see ( that is their tacticwe need more documentation from your doctor)???? Our government has deemed her disabled and pays my wife each month. Each time you you send correspondence,they never received it.
I spoke with an ex Met Life rep.,who is a family friend. In training they are told to loose the paper work 2 or 3 times,hopefully they will go away. We have been told numerous times 'She wasnt disabled at time of release,thats a lot of bunk. My wife's meds run about 1500.00 a month.
Crystal of Orlando, FL May 6, 2008
I applied for my benefits when my company had their enrollment period, back in September 2007. I send my Statement of Health form in and it was signed by me on 9/16/07. I later called MetLife to check on my coverage and they said I was being denied due to a pre-existing condition, pregnancy and that I supposedly send them a letter saying I was pregnant that was signed on 9/16/07. I informed them I didn't conceive until 10/11/07. They then told me to fax in a letter from my doctor stating my conception date with an appeal.
So, I went ahead and faxed the letter from my doctor, but MetLife STILL denied me for coverage. THEY state that supposedly on my Statement of Health form that I signed back in September, that I was pregnant at the time, even though my doctor states I didn't conceive until 10/11.
When I called in to discuss this with them, nobody including the supervisor wanted to hear any of this. They just kept repeating themselves about the paper I signed. I tried to inform them I would've had to have been psychic to say a month before I conceived, that I was pregnant. But, they didn't care what my doctor had to say. They just simply said they would not give me any coverage.
This company is horrible with this!! I'm sooo ready to get an attorney for this. Now, I will not be able to take any maternity leave to recover and spend time with my baby...and get paid for it. I can't afford to just take time off! I will NEVER sign up for disability insurance with them...EVER, or EVER reccomend them to ANYONE!!!!!
Melissa of Myrtle Beach, SC April 21, 2008
have been on long term disability for the past 12 years due to back problems. This Jan my long term disability changed from Liberty to MetLife as I think Met life bought them out. The first correspondence I got from Metlife was in Feb and they wanted a Attending Physician statement. So I got my PHY to fill it out and sent it in.
Thinking I had done what they wanted and never hearing from them again till I received a written April 17, 2008 giving me one day to get my Physician information in to them or I would be cut off. This letter also stating that they had mailed a letter Dec 11, 2008 requesting a update from my physician. I never got this letter. They went on to say if I did not get the physician information back to them by the 18th of April ( now I got the letter April 17, 2008 in the mail ) that I would get cut off.
I called Metlife and explained I just had NOT gotten the letter they said they sent Dec 11, 2008 and that the letter I got today ( April 17.2008) was saying that I needed the information in by April 18, 2008. The lady on the phone basically said they could not control the mail ( the letter was dated April 9, 2008 ) and if I didn't get the information in they would deny my claim. Oh yea the letter had my address but was addressed to another person Making me think they didn't even know who they were writing the letter to.
I went to the MD and had him fill it out and faxed it to them. I am sure this is not the last I will hear from them as I am sure they are looking for a reason to cute my disability claim. I can't figure out why after 12 years ( and I know they have all my physician's notes from Liberty ) they think I can work especially when every Physician has stated that I am totally disabled.
I also have Major Depression with Anxiety disorder and this has caused so much emotional problems and worry. My whole life depends on the money I get from this policy. If they cute me off even though the MD's say I can't work I do not know how I will make it. I know this is what they are doing and my MD agrees. If they cut me off I will have to get a attorney.
Richard of Apison, TN February 27, 2008
My 21 year old son suffocated during a seizure on 11-8-2007. He was 21 years old, very active and healthy. He had only had a few seizures and only then while sleeping. The only thing to do was help to make sure he didn't hurt himself until the seizure has passed. This time no one was there and he got stuck half on and half off the bed, face down and suffocated. I found him and gave CPR till help came but it was too late. The death certificate stated accidental due to suffocation but MetLife refused to pay the claim with no explanation. I have paid for insurance for 26 years with the same company and the first time we need it, this happens. I am really disappointed with Metlife and want others living with epilepsy to be aware of this company's policy.
Won't pay claim for funeral and other expenses. I am a disabled vet, My wife suffers with Lupus and I still have two other teens to care for. MetLife knows that I can't afford to hire a lawyer for this relatively small claim.
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