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Met Life has routinely, consistently violated ERISA and the terms of my contract with them regarding my disability insurance. I am on the precipice of losing my home and everything else because Met Life is nothing short of a high-end scam artist. I'm seeking attorneys, filing a complaint with my state, my congressman and US Senators. They have denied, then opened, closed, then re-opened my disability case and payments every month in the 4 months I've had it, each time on bogus grounds. Most recently two doctors they paid reached the conclusion I'm not disabled. Their reasoning had nothing at all to do with the basis of my disability. They had medical tests/records that scientifically, irrefutably contradict these Met Life quack's opinions, yet they have once again closed my case. I can only hope/pray that karma comes around and this doesn't ruin my life, but bites these immoral people at Met Life in there karmic ###. For my part, I my life's mission is now to make Met Life and their minions pay and regret their sick behaviors.
The complaint has been investigated and resolved to the customer’s satisfaction.
After personaly paying the disability paymenta for 9 + years and phsycological verification of condition, I have been denied the compensaation that Metlife
guaranteed me! No one from Metlife has even contacted me personaly to evaluate and discuss my situation, just DENY all of my requests! Below is a current
marketing piece that attracts you to purchase their product:
MetLife - Disability Income Insurance
Your lifestyle: Something to think about.
When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But it can happen. In fact:
• One in 3 working Americans will become disabled for 90 days or more before age 65.*
• The average disability absence is 2 and a half years.*
• More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately. **
The chart below illustrates that an individual’s chances of disability are 2 to 3 times greater than death during their working years.
What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn’t work for months — or years?
You’d still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it’s easy to see how savings could quickly disappear.
Unfortunately, you can’t rely on other income sources like Social Security to protect you. In many cases, they don’t apply — or aren’t enough. For more information on other income sources, see below Think you're already protected?
Plan ahead to help protect your lifestyle. Then relax.
MetLife has flexible Disability Income Insurance policies that:
• Provide monthly income to help maintain your standard of living
• Can be customized to fit your particular situation
• Help you retain independence and dignity without burdening others
• Help keep your financial dreams and goals for the future intact.
It seems that their product/service is an answer to all of your needs - NOT SO!
09 -13-09 Dennis P
I will be competely devistated financialy and emotionally if Met Life defaults on their guarantee.
Dennis P
Send a request to your Federal Representative to amend ERISA to state: Whereas MetLife has lost 100% of cases regarding long term disability if the US Social Security Administration has awarded and continues said benefits;
1) Make all LTD policies continue LTD benefit payments as long as the US Social Security Administration continues said benefits.
2) All days not paid to claimant require an additional 110/day fine as defined in ERISA.
3) Insurance Carrier must pay out entire claim in full in a non decremented lump sum as has been established in Federal Court cases
4) Insurance Company in violation must pay, under Sarbannes Oxley, the US Dept. of Labor 110, 000/day of denial of legitimate benefits to claimant.
5) Disability Representative and Manager as well as Executive and CEO of said Company in non compliance after 4 violations in a 12 month period face mandatory Federal Jail Sentences of not less than 1 year and not more than 5 for each violation, as spelled out in Sarbannes-Oxley Act of 2002Then post the face of Pam Wolber the #1 violator at MetLife on YouTube a Crimanl and violator of human rights against the disabled. (She is noted as having denied a mans disability 1 month after he had a heart transplant causing his death by stress.
Benefit:
Saves Taxpayers money (The Insurance Companies are always taking time in Federal Court at cost to US Taxpayer.
More profit for Stockholders/Less Corporate CEO Fraud. (MetLife CEO profits from IME reports from MES (5% kickback to him) and MetLife has LOST every case in Federal Court on LTD Claims) (MES hires OFF SHORE IME Reports from non-US accrededated "Alleged MD's ... that are not AMA Certified) (MES Executive has an offshore "alleged MD and holds a non-US passport and is not allowed to be a Federal Contractor yet has one which is a State Department Violation.)
Lets the disabled concentrate on recovery verses benefits allowing potential return to work.
again ... send this request for legislation to your SENATOR, REPRESENTATIVE and to teh PRESIDENT.
metlife is a corrupt company they should all be put in jail.they will do anything they can including out right fraud to get out of paying a claim.people need to be informed and stop buying insurance from them.you only have a 20% chance of winning any claim with this company.dont by their insurance and spread the word with luck and over a period of time they will be brought down and hopefully prosecuted.