MetLife / Metropolitan Life Insurance Company [MLIC] / short term disability

North Brunswick, NJ, United States
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In July of 2016, I went out on maternity leave after giving birth to identical twin girls. With the help of my human resource manager, all required paperwork was completed and submitted in accordance with policy. MetLife received documentation of my salary, as well as confirmation that I would be receiving state disability payment. Shortly after going out on leave, I received my first payment from MetLife. I had no reason to believe there should be any issues with payment, as MetLife had all of my information ahead of time. Therefore I assumed I was entitled to any money being sent to me and deposited such into my bank account. It never occurred to me that there was any possibility I would be sent money I was not entitled to. Needless to say, it was a very stressful and chaotic time in my life, further exacerbated by the fact that the state took several weeks to start sending disability payments. At the time, I was very thankful that things with MetLife were going smoothly, and that I was not without income entirely. Due to complications shortly following the birth of my twins, my disability was extended by 3 weeks. Again, all paperwork was submitted to MetLife within a day of it being received.

Not long after returning to work in November, I started receiving letters from MetLife stating there had been an overpayment error, and I owed thousands of dollars. Additionally, the dates of my disability on this letter were incorrect. I found this most perplexing, and tried reaching out to the name on each letter I received. However I was never able to get a live person on the phone. I was always put into a voicemail (after being on hold for upwards of any hour or longer each time) where a recorded message stated I would get a call within a business day. Not only did I never get a call back, but I would get a new letter the following week with a new person’s name on it. This daunting cycle continued for weeks, and forced me to involve the assistance of our benefits liason, Michelle Qually of the Tarpey Group. To date, even with her assistance, we have still not been able to resolve this matter. To add insult to injury, MetLife sent me an incorrect W2 Form, which would charge me tax on an amount repeatedly referred to as incorrect by MetLife, and based on incorrect dates of disability.

MetLife, which was supposed to give me “assurance” and “peace of mind” during my disability, has been the biggest headache and complication by far. The errors could have been easily avoided with a little due diligence, and the customer service has been the worst of any company I have ever dealt with. I do not feel I should be held responsible for the mistakes made by MetLife – mistakes that not only should never have happened in the first place, but that could have been rectified with even the smallest amount of customer service.

May 19, 2017

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