If you are a business, insurance broker, or employee and are considering MetLife Disability as a part of your insurance policy, I would strongly recommend that you research this company diligently and consider other options.
I have been with the same company for 3 years and my previous for 8 years and I have never taken any kind of leave. I work hard and take my job very seriously. I recently saw a doctor in regards to a medical issue and the doctor wrote me off of work for 4 weeks. I filed a short term disability claim with MetLife Disability and provided them with ALL of the medical information they had requested. Doctors notes, medical documentation and the doctor’s orders that I could not perform the necessary duties on a daily basis for the job in which I hold.
After the 4 weeks in which I was off, I returned to work and on my first day back to work, I found out through MetLife that they had denied my claim. What? How can they I asked myself. My board certified physician wrote me off of work unable to perform the duties of my position and they are able to challenge the advice of my doctor? Doesn't seem right does it?
I wrote an appeal letter, got even more documentation from my doctor and stated the appeals process. My claim has been in the appeals process for over 2 weeks already and I have been told that it can take up to 45 days. They are sending all of my paperwork and documentation to a doctor of their choice, well actually a doctor that is on the payroll for MetLife. That doctor will decide if they deem me unfit to work for those 4 weeks (SOLELY BASED OFF PAPERWORK). My doctor would never have written me off for 4 weeks without seeing me in person, examining me, prescribing medications to treat my symptoms and continuing to see me at least once a week! So how can a doctor who has never met me, did not have an appointment with me during the time of my illness, never saw any of my symptoms, and has never talked to me decide if I was unable to work for the time that I was off. ABSOLUTELY INSANE! I pay for this insurance to cover me in a time of a medical leave out of every paycheck.
After doing some research on my own I have found that MetLife Disability denies over 80% of the claims it receives. The appeals division’s job is to make you jump through as many hoops as possible so that you will give up on the process and accept the denial. Their bonuses and annual raises are based off how many successful denials of claims they are able to make each year. I will not be renewing my short term disability on my insurance selections this year and in the future will not work for a company that solely offers MetLife as a choice for STD. Do not sign on board with MetLife Disability as they are a corporate scam.
I will continue to post this complaint on every website that I can find, every day, to reach as many people and organizations wanting information on this company as possible until my claim is approved and I receive a paycheck which I am entitled to.