Everyone that I have talked to at my place of business who has had dealings with Metlife has had problems.
I was off work with what they thought were heart problems but turned out to be my gallbladder. I had surgery and my Dr. did send Metlife the information. After my surgery I came down with pancreatitis and was back in the hospital. While I was in the hospital Metlife called me and told me I had to have all my info in by 5:00 that day. Mind you, I am in the hospital with IV's and pain meds in my system. I explained this to them but they did not care and would not grant me an extension. It was like too bad we need it and I don't care if you are in the hospital.
I had to appeal and they denied my appeal because I have a job where I sit all day and they say I can perform my duties. Even though I have recurring pancreatitis and letters from my Doctor saying it would be detrimental to my health to be working during those times, Metlife just does not care. They say I can be on the phone with a customer for 20 min to an hour and take care of them even though I am throwing up and have diahrrea.
I lost my job because of the denied appeal from Metlife. My place of employment says that because of Metlife's denial that I have over 400 hours of unaccounted time off. They do not care that I have Doctor letters. All they care about is what Metlife says. You can never get the same answer from anyone you talk to at Metlife. Why do we have STD insurance when you cannot use it when you are really ill????