MetLife review: Denials of legit std claims 23

Sorry for your hardship but thanks for sharing. Good info to know.

I am an insurance broker and I try to stay as far away from this option as possible as many people have these types of problems with this company. Thank you for sharing your story as it reaches many people.

I am going to the same denial garbage that you're going through right now with this scam of a company. Out of work, provided all requested documentation (at my cost to return to these doctors to get more and more paperwork) good luck with your claim. If they deny me again I'm filing with the Insurance. Commissioner. I can't believe a large, legitimate copy like mine does business with these clowns.

Metlife has done the same BS to me after being on short-trm disability purposely and intentionally denies the last portion of your illness or whatever claim it is as a standard process and forces you to work at an illusive appeals process of up to 45 days or more in so as to discourage a last payment to you.. And makes it extremely hard to recover your due moneies... There is no regulation on insurance companies as it stands and they will corrupt any person, judge or goverment that attempts to force them into a more responsible payout.. There only jopb is to collect premiums and deny payouts as best as they can or get rid of you.. There is no standard or requirement or ethics that they have to follow Your till they kill you... Good Day!

SINCE EARLIE 2010 I HAVE BEEN REQUESTING THAT MET-LIFE AND ABBOTT VERIFY THE CHECKS, SUPPOSEDLY, SEND TO ME THAT NEVER ARRIVE, AND NEVER WHERE CHANGE.
THE URGENCY OF MY CURRENT ECONOMICAL- MEDICAL SITUATION PROVOKE BY THE DENIAL OF PAYMENTS, INCREMENTS, DENIED FORMULA THAT MET-LIFE USE TO CUT $500.00USD BY MET-LIFE FOR ALMOST 2 YEARS HAS AFFECT VERY MUCH MY MEDICAL CONDITION, HAVING TO DOUBLE THE DOSAGES OF MOST OF MY MEDICATIONS.
IF MET-LIFE IS CAPABLE OF SAYING THAT THEY DO NOT HAVE A DEBT WITH ME SINCE 2010, MET-LIFE SHALL PROVIDE THE RECORDS OF CHECKS, SUPPOSEDLY, SEND TO ME AND CHANGE, SINCE JANUARY 2010 UNTIL THE CURRENT DATE.
PLEASE CONSIDER THAT I HAVE 2 CHILD'S AND THAT MY MEDICAL EXPENSES ARE ¾+ OF MY INCOME. I CAN'T KEEP HUMILIATING TO MET-LIFE AND ABBOT FOR 2 YEARS OF PAYMENTS, SINCE I ALREADY HUMILIATE FOR IT FOR 2 YEARS APPROX.
I DEMAND THAT MET-LIFE SUBMIT TO ME VIA FED-EX EVIDENCE OF THE RECORDS OF CHECKS, SUPPOSEDLY, SEND TO ME AND CHANGE, SINCE JANUARY 2010 UNTIL THE CURRENT DATE, PLUS THE INCREMENT DENIAL, PLUS THEIR SECRET FORMULA USED TO DECREASE MY BENEFIT -$500.00USD

FOR ALMOST 2 YEARS I ASK ABBOTT TO STOP THIS ABUSE FROM THE PRODUCT THEY PROMOTE AND SELL FOR ITS PARTNER, MET-LIFE, AND INSTEAD OF TRUSTING OR REPEATING WHATEVER MET-LIFE SAYS, ABBOTT SHALL DEMAND EVIDENCE OF THE RECORDS OF CHECKS, SUPPOSEDLY, SEND TO ME AND CHANGE, SINCE JANUARY 2010 UNTIL THE CURRENT DATE.

MET-LIFE SHALL PAY ME IMMEDIATELY, BY FED-EX OR DIRECT DEPOSIT.
MET-LIFE MUST PAY MONTHLY RETROACTIVE DUE TO ALL THE LOST INCOME THAT I AND MY FAMILY HAVE EXPERIENCE FOR THIS 2 YEARS DUE TO THEIR GREED AND LEGALLY QUESTIONABLE PRACTICES AND/OR VIOLATIONS TO THE FEDERAL AND LOCAL INSURANCE AUTHORITIES, TO ECONOMICALLY LU-CRATE AND HAVE CONTROL OVER THE PUERTO RICO INSURANCE MARKET, AT $50 THE DISABLE ABBOTT PERSONNEL (AT $50 THE DISABLE ABBOTT PERSONNEL, AFTER YEARS OF PAYING THOUSANDS, EVEN MY 4 YEARS CHILD CAN HAVE A MET-LIFE FRANCHISE, AT ABBOTT KNOWLEDGE.) THERE IS NO COMPETITION FOR MET-LIFE IN P.R., ALL THEIR INSATIABLE GREED, AND THEIR UNIMPORTANCE OF THE MONTHLY LOSS, THAT THE ABBOTT DISABLE PERSONNEL SUFFER, AT ABBOTT KNOWLEDGE OF OUR DEFENSE INABILITY AND THE EXPLOITATION OF THE ABBOTT DISABLE, MAKES A PRUDENT INDIVIDUAL VOMIT.

FOR ALMOST 2 YEARS I ASK ABBOTT TO PLEASE STOP THIS ABUSE, THEY RECOMMEND MET-LIFE AS ONE OF THE TOP INSURERS. I NEVER MISS A PAYMENT TO THEM, AND THEY ARE NOT PAING ME AT YOUR KNOWLEDGE SINCE 2010, DID NOT RESPOND TO MY FAXES OF REDUCTION OF BENEFIT FROM SOCIAL SECURITY, TO ±$800.00USD, SINCE MET-LIFE KNOWS THAT THEY MUST PAY RETROACTIVE DUE TO ALL THE ECONOMICAL LOOSES PROVOKE TO ME AND MY FAMILY, IF THEY DO BUSINESS LEGALLY AND PROVIDE THE BENEFIT INCREMENT THAT APPLIES TO MY CASE .

MET-LIFE NEEDS TO PUBLISH THEIR SECRET FORMULA TO THE NEVER EXPLAIN RIDICULOUS AND INEXPLICABLE AMOUNT OF ONLY $50.00USD WITHOUT COST OF LIVING CONSIDERATION OR ADJUSTMENT TO ABBOTT DISABLE PERSONNEL.

MET-LIFE MUST SUBMIT THEIR SECRET FORMULA, PROTECTED BY ABBOTT TO DECREASE ABBOTT EXPENSES (BASED ON ALL MY EFFORTS WITH ABBOTT TO PROVIDE IT) USED TO DECREASE MY BENEFIT FROM ±$550.00USD, TO ONLY $50.00USD TO ME AND MY FAMILY. DON’T KNOW THE LUCRATIVE AMOUNT THAT ABBOTT MUST BE SAVING TO KEEP THIS FORMULA SECRET FOR MET-LIFE, TO ABBOTT DISABLE PERSONNEL.

MET-LIFE MUST SUBMIT THEIR SECRET FORMULA, PROTECTED BY ABBOTT, MOST LIKELY TO DECREASE ABBOTT INSURANCE EXPENSES TO MET-LIFE (BASED ON ALMOST 2 YEARS OF EFFORTS BY ME, SOLICITING THE FORMULA, TO ABBOTT AND MET-LIFE, USED TO DECREASE MY BENEFIT FROM ±$550.00USD, TO $50USD FOR ME AND MY FAMILY WITHOUT RESPONSE. ONLY A MESSAGE THAT I WAS PROHIBITED TO CONTACT THEM BY EMAIL.) NEITHER MET-LIFE OR ABBOTT NEVER EXPLAIN THIS EXCESSIVE, RIDICULOUS, INEXPLICABLE, AND MOST LIKELY ILLEGAL REDUCTION TO THE AMOUNT OF ONLY $50.00USD WITHOUT COST OF LIVING CONSIDERATION OR ADJUSTMENT, OR ADJUSTMENT BASED ON THE REDUCTION OF BENEFIT FROM SOCIAL SECURITY, TO ±$800.00USD, FROM ±$1, 000.00USD, FAX SUBMITTED ±5 MONTH AGO, TO MET-LIFE AND ABBOTT.

Metlife Disability has done the same thing to me. When I tried to appeal, they told me there was no need to write an appeal letter and denied my appeal after having an "independent physician" review my medical documentation without seeing this physician. A week ago they told me that I would have an appointment with this physician, but decided to deny my appeal first. Metlife is a joke.

I have just filed an appeal to the Met disability review board. They denied the extension of my LTD based on a physician they contracted from MD.{I am in CT} whose license has been suspended due to misconduct w a 'former' patient. This jerk never examined me and Met based the denial on his opinion ignoring ALL of my treating physicians, inpatient and out. Unbelievable.

Metlife Disabilty is a scam. Companies that use it are questionable.

I too was on STD . Metlife has done nothing but caused stress and I thought at one point I was going to have a nervous breakdown. I have documentation and follow up appts. They ask for the same paperwork over and over my doctors were getting irritated too. I have since place 4 calls for updates on why I haven't received a check. No calls, no letter in the mail. Nothing. I lost my car insurance, no TV for 2 months now, no house phone, shut off notice for electric, water and I got approved for food stamps. I can no longer go to appts because my co-pays are 50.00 each time. I have no money to go. Metlife has made me suffer more then the actual illness.

Wow I am going through the exact same thing right now with Metlife. I has been most stressful to me. And yes I agree. I feel like I have suffered more from all the drama and calling that I have had to do that all it did was make me feel worst. So disappointed.

I'm having the same issue, I was out for 6 week.. and i was also told i wasn't gonna get paid (Denied) and once I got back. they're telling me now i have to paid close to $2, 000 for absent. which is my 3 weeks of vacation and 2 of personal day .they said i couldnt use those time as a payroll that i had to fill out theyere forms to quilify.. the thrue of the matter is .. is all paperwork and they tell you to appeal for them to get theyre money back somehow..

They are the worst company EVER! THEY CREATE MORE STRESS than help! I HATE METLIFE! And I don't hate many things! But they are number 1 on my list!

I 1000% agree. I have been with my company for over 7 years and have been on short term disability 3 times due to exacerbations and relapses with my autoimmune condition. The first time I went out in leave, my claim was approved the day after my paperwork was submitted. The last two times, they have denied my legitimate claim and they always give you the run around as to why your legal claim is denied. I understand there are people who abuse the system, but I have been treated for my condition for a number of years and an on a multitude of medication. There is no cure for my condition and it is one that is progressive. I don't know how Met Life stays in business with the disgusting treatment of claimants. They should be sued for everything they are worth.

Sounds like a lot of us are in the same boat with these con-artists at Metlife Disability. I think its time for a class-action. This would be a slam dunk for any respectable attorney. Who else is in?

I agree a million times over. I am out on STD but filed the first few days under an approved FMLA for the same health issue. I was told that my company VERIZON, a very large company did not code my payroll as FMLA for the first few days as asked by me when I called out, and therefore the claim will be DENIED due to an 8 day time frame. I had a complete mental breakdown and was hospitalized and sent all required information to Metlife. I am a single mother that suffers from PTSD and Bipolar depression and lost my oldest son less than a year ago which triggered a recent relapse. I am at the mercy of these people that care not for ANYONE in any situation. I have filed an appeal in the past with this company and won, but the emotional trauma that I suffer from their "rules and findings" fictional team, are causing me more stress than I can almost handle. I am so upset and feel I am at the mercy of simple paperwork and may lose my home and utilities and children's welfare as I have 2.83 in my ban account until they fix this ridiculous situation. I PRAY NOBODY USES METLIFE as they will cause you HORRIFIC STRESS and will make you emotionally ill.

I and a couple other attorneys did this continuously and as their own denial letters state along with the voice recordings of their own law department official stating claims "We provided you with ALLOWED, or RELATIVE, or PERTINANT information from your case file and WE-ARE-NOT going to allow you or anyone else full access to our case file!"

Is there any attorney out there who will TAKE-THIS-CASE as it involves well over a MILLION-DOLLARS in claims along with the fact that Met-Life's own insurance file clearly states that they had verified my telling them that I was bought in on the policy at 60% but they were actually paying me only about 31% in which they claimed they were going to make restitution, but that never happened since Raytheon's own HR Manager Veronica Thomas and Sean Kurysh with others REFUSED to authorize this! (I Have all the evidence of their own making which comes from their own Met-Life file along with supporting evidence the prove my charges are valid so they cannot in any way, shape or form deny their own crimes)

This ERISA Case Has A Minimum Recovery Of $900, 000 In Benefits Which Were Stolen From The Claimant By Met-Life And Raytheon! This Amount Does NOT Include Interest From Illegal Enrichment, Legal Fees, Individual Lawsuits Against All Those Involved etc. Which Could Bring The Amount To 1.3 Million or MORE! (A Court Case Needs To Be Filed Now!)

The statute of limitations for a § 502(a)(2) breach of fiduciary duty action is set out in 29 U.S.C. § 1113. Under § 1113, no action for breach of fiduciary duty may be brought after the earlier of the following:
(1) Six-Years after
(A) The date of the last action which constituted a part of the breach or violation, or
(B) In the case of an omission the latest date on which the fiduciary could have cured the
breach or violation, or
(2) Three-Years after
(A) The earliest date on which the plaintiff had actual knowledge of the breach or violation;
(B) Except that in the case of fraud or concealment, such action may be commenced not
later than Six-Years after the date of discovery of such breach or violation.
The Second Circuit, however, holds that this Six-Year period is not limited to cases of fraudulent concealment. Instead, it reads the text literally to refer to either fraud or concealment so that “the Six-Year statute of limitations should be applied to cases in which a fiduciary: (1) Breached its duty by making a knowing misrepresentation or omission of a material fact to induce an employee/beneficiary to act to his detriment; or (2) Engaged in acts to hinder the discovery of a breach of fiduciary duty.” Caputo v. Pfizer, Inc., 267 F.3d 181, 190 (2d Cir. 2001).
NOTE-1: In White v. Aetna Life Ins. Co., 210 F.3d 412, 416 (D.C. Cir. 2000) (holding deadline not triggered if administrator failed to substantially comply with § 1133).
NOTE-2: In Berger v. AXA Network LLC, 459 F.3d 804, 815 (7th Cir. 2006) (holding period begins when plaintiffs discovered unlawful policy and not when employer applied policy to them);
NOTE-3: In Garratt v. Walker, 164 F.3d 1249, 1256 (10th Cir. 1998). An employer can discriminate within the meaning of § 510 if the employer made conditions so difficult so as to create a constructive discharge.
NOTE-4: When My Employment and Disability Benefits Were Terminated, Letters Requesting The Complete Insurance-File and Insurance-Policy Were Continually Submitted To Met-Life and Raytheon! This Was Done During The Time Period That Letters Appealing The Termination Of Benefits and Employment were ALSO Sent To Met-Life and Raytheon! At That Time All Requests Were Immediately Rejected As Met-Life and Raytheon Continually Stated They Were NOT Under Legal Obligation To Provide The Requested Documents Nor Were They Required To Re-Evaluate My Claim For Benefits! These Actions Are Well Documented Within The Actual Insurance-File and It is Also Documented That They First Began Providing The Insurance-File In Small Pieces, Approximately 2-Months After The Final Denial Letter, In Which The Last Part Of The File I Ever Received Arrived 1.5 Years After The Last Denial Letter! To Date There Is Still About 50% Of The Actual Insurance-File Missing And Met-Life Admits (Their Own Phone Message That Is Recorded) That They Intentionally Withheld Large Portions Of The File And That They Will NOT Allow Access To These Parts Of The File!
NOTE-5: Under ERISA Law for Arizona the Statutes of Limitations is 6-YEARS per Ariz. Rev. Stat. Ann. § 12-541 et seq. La Canada Hills LTD Partnership v Kite 217 Ariz 126, 171 P.3d. 195 (Ariz App. Div. 2, 2007)
A) While working for Raytheon in Tucson Arizona I had my Long Term Disability Benefits cut off and was fired when Met-Life suddenly claimed I had NO Disability anymore! The Insurance File however claims I was diagnosed and confirmed with Damaged Immune System, Enlarged Heart with Aoristic Aneurism, Systemic Candida, System Wide Unresolved Infections Producing Skin Lesions and Tumors that will not heal and Damaged Lungs due to ongoing chemical exposure from work!
B) It shows in the Met-Life File that I had discovered that Met-Life was paying me substantially less than what they were required to pay me where they state “They Had Verified Mr. Jozwiak’s Claim That He Was Bought Into The Policy At 60% Of His Pay And They Were Only Paying Him Approximately 40% Of His Pay” which was determined to actually be less than 32% of my pay! They claimed they were correcting this problem and going to issue me the missing payment, however this was then continually refused and never occurred! They were paying me $2, 200 every 2-Weeks, however the correct amount would most likely be closer to $5, 800 every 2-Weeks!
C) It shows in the Met-Life File that in July the company and carrier hired an IME to do a disability evaluation where the IME states part of a conversation in his record that he was informed by the company and carrier before he ever had any contact with me that I was already TERMINATED from the company! This IME was wondering why he had to do an evaluation if I was NO-LONGER employed with the company!
D) It also shows that Met-Life told the IME at the time of the evaluation that there were NO records from my doctors for the evaluation, but 2 months after the evaluation they state in the record that they were sending 56 pages of my doctors’ medical records to the IME to supplement his files on me! (NOTE: Met-Life’s own Insurance-File clearly shows their own computer SCAN-IN-DATE of these documents being scanned into the Insurance-File 6 months prior to this IME Meeting!)
E) There are about another 86 cases of well documented FRAUD, CONCEALMENT and BREACH-OF-FUDICIARY acts committed by Met-Life and Raytheon within the Met-Life Insurance File!

Did any of you ever obtain your ENTIRE Insurance Administrative Claims Record from MetLife? If you did this you will find that in most instances the file is, as they say in ERISA Litigation, "Substantially Deficient" (Meaning Incomplete and Fraudulent). With this in mind you should also check the log portion of the file as you will see they made false claims of sending documents, being unable to obtain your medical records, claiming phone calls that never happened and having the proper claims administrator reviewing your claims file. All these items can be proven and used against MetLife since this is Mail Fraud, Wire fraud, etc..! Also note that most of this will immediate eliminate the Statutes for filing your claim and it will result in a serious WORLD-OF-HURT for these criminals and in most cases long term imprisonment with extreme and painful fines! Also note that in the past MetLife has been caught falsifying documents claiming that the medical records went through the proper and COMPLETE review cycle while also using the names of people who were NOT actually doctors at the time of the review or who were ALREADY-DEAD!

Take a look at the first amended civil complaint CV-20-00039-TUC-DCB and see the amount of mail, postal, wire, insurance ad employment fraud and theft that occurred. The other problem is we have a number of companies and judges with attorneys who are running a crime racket in order to steal these benefits and protect each other from discovery and/or prosecution. I have lots of documented evidence and its was found that the employer with MetLife never developed a complete and/or accurate claims record for my case and that's why the refused to ever allow a review of the claim. Contact me from my information on the amended civil complaint if you want to get information that will crush these career criminals.