Their investigations towards the decision of whether approving a claim or not are very poor. They are very unreasonable, unreliable and unprofessional. They have denied my claims on several occasions and I have had to appeal. The claims are not evaluated in their merits. They do not abide by the contract (policy). They do not respect the due process. I have been without income for months because they take too long to evaluate the claim file. This makes it very hard for me to get my medications and pay for my medical bills. I have not found any coworker who is satisfied with the service from this company. I really wish my employer would get coverage from a better company. Seems MetLife works really hard to deny the claims.
This company shows complete disregard of the contract terms for the coverage and the consequences of their lack of professionalism. Their denial decisions have been unrealistic and offensive to my intelligence. Their appeal process is a joke: they will not provide you a copy of the disability plan, the appeal form is not even two pages long, they do not provide you with the credentials of the MD making the decisions. Also a copy of the file upon which the claim decision was made is only available if requested in writing, delaying the appeal process. In general terms it is a waste of money.