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Metlife Disability...The Worst of The Worst
When I opted to participate in the Metlife Long Term Disability benefit through my job, I really felt like it was the right thing to do. The responsible thing to do. If something happened to me physically and I couldn't work, I wouldn't be a burden on my family. The HR person strongly encouraged us all to participate. It was only about 10 bucks out of each paycheck. Seemed like a good, common sense decision. Now, if I had it to do all over again, I'd instead put that biweekly premium in a savings account. Then if I got sick or disabled, at least I'd have some extra savings. I will NEVER participate in ANY LTD benefit again.
Metlife Disability is nothing more than a legalized ponzi scheme. And the people who work at Metlife are criminals. Metlife collects millions and millions of dollars worth of premiums from working people like me, promising to be there should we get sick or injured and cannot work. The promises are lies. The last thing that the people at Metlife want to do is pay legitimate claims. Instead they put claimants through an unending gauntlet of needless paperwork, misinformation, harassment and planned incompetence. They do this when a person is in a most fragile and vulnerable time of their life, running them in circles to wear them down and weaken them even more. There are demands for paperwork that had already been sent to them numerous times. Then there are the letters demanding reimbursements for overpayments, sometimes three letters in one week from three different Metlife employees, all saying something different. They leave messages with voicemail extensions that don't work or don't exist when you go to return the call (and they love leaving messages on Friday afternoon right before they are heading out). Just try to find information on their website. They offer no email addresses. They instead have one main fax number for all the Metlife LTD in the whole country for claimants to send importatn paperwork. Can you say “lost paperwork”? They want the paperwork to be lost. They do this so that claimants will just give up and go away. Metlife is a despicable greed machine with no shame.
I thought it was just me. I thought maybe I wasn't handling my affairs and paperwork correctly. Maybe I was reading things wrong? Maybe I misunderstood the process? Then, I found several websites with reviews from Metlife claimants who have been lied to, harrassed and ripped off. This is one of them: http://www.consumeraffairs.com/insurance/metlife_disabil.html. In so many of the “reviews” I felt like I was reading my exact same story.
Metlife won in my case. I have given up. My monthly benefit has been reduced down to such a paltry amount, I can't summon up the strength to fight them for it. No lawyer (as yet) is interested. Not enough money involved I guess. I can't deal with the stress anymore. I need to heal and move on in my life in a positive direction. Metlife drags you into such a rut of negativity. And they know it. I'm out of that rut. I've lost a significant amount of money but I saved my health, well-being & sanity.
There is a rumor out there that a class action lawsuit against Metlife is being planned or is in the works. I keep digging for that information. Should there be one, you can bet I'll jump on it. And I don't care if I get a dime out of it. I just want Metlife to be called out for their crimes. And hopefully in some way pay for them.
If you are being offered Metlife LTD as a benefit through your job, DON'T SIGN UP! It's just not worth it. It's literally money down the drain paying for that benefit.
I agree with you 100%! MetLife just terminated my LTD, with no advance notice, because the guy handling the claim hadn't noticed my MRI report in my file (though it had been mentioned in reports by 2 different doctors), and thus decided there wasn't adequate evidence in the file to support the claim (though it already been approved, after which the documentation requirement should be lower, not higher). They're just looking for any loophole they can possibly find so they can close the claim and hand it off to someone else.
I am considering creating a dedicated website where we can post stories about the actions of individual claims reps, along with their full names, if possible (and other identifying info, to the extent available). For instance, I found all sorts of info on my claims specialist - full name, personal contact info and facebook page, etc. What do you think of the idea? How about metlifecrooks dot com?
There are and have been class actions against this company..They are real ###...They love to take money in but really hate to give it out...My friend had to take them to court to get his Dads money after he passed away...And I am sure the LTD program is just another rip off from them...If anything says MetLife you had better run the other way...
I was on LTD through these guys for 22 months before they terminated my benefit when I "failed to comply" with their vocational rehab plan. I DID comply...i had several significant life events happen which slowed my progress down...I told the "vocational rehab specialist" who denied (during my appeal) I told her anything . I also was found to have serious depression due to chronic pain and disability which impacted my ability to retrain. They do NOT care. I still can't work, lost my home and am pretty much hopeless now. These people are destroyers of life! I say bring on a class action suit! I'm there!
Same happened to me. Dropped out of nowhere by a different case worker ("The Hachet, " Stephanie McKinney). Just six months earlier, I faxed them 170 pages of doctors notes from one years worth of examinations. Social Security Disability found me in no doubt disabled right away, but MetLife said my policy had changed and that it not longer covered my particular job. WTF? How convenient for them to just change my policy and drop me after several years to get out of paying. Disgusting! Hoop after hoop after hoop I jumped through over the years to accommodate their harassing nature. At one point they even tried to send a known con artist by the name of Shellee Hale to my home. Legal council instructed me not to let Hale into my home. She claims to be a psychic, but she in actuality is trained as a cyber spy. MetLife hired her on the side to be a "field agent." Her job was to go into someone's home and to spy on their internet use in order to "find" a reason to drop the claim. Again, disgusting!