I was employed at a major U.S. Manufacturer. Two years ago I suffered irreversable injuries to my spine that requred several surgeries. I was forced to leave employment for my disability which I have been awarded benefits from Social Security Disability.
Upon the inception of my permanent disability I filed for benefits from Social security and from Metlife Insurance Company. After two years of submitting medical proof and three subsequent denial for benefits from MetLife Insurance company, I am left with no benefits from MetLife. Benefits I paid for monthly as an insurance policy in case I became disabled and could not work. This policy was in place and MetLife refuses to honor the claim. I have been through three MetLife appeals and met with over a half dozen Attorneys. Not one Attorney can take the case because the dollor recovery is not substantial enough to fight MetLife for benefits in Court. METLIFE knows these dynamics of the legal system and in my research has denied benefits for disability to many others who have submitted very legitimate claims.
BUYER BEWARE. The Metlife Disability coverage you are paying for is worthless. I submit to each of you who do business with METLIFE to cancel your policies and clearly send a message to this Company that it is not acceptable practice to deny legitimate claims.
I have been awarded Social Security for my injuries and METLIFE still denies that I have met the requirements of the disability policy and will not honor my medical record history. This will happen to you, it's not a matter of the "IF" in Life, it's a Matter of the when!
I urge all who have disability policies with METLIFE to review your coverage and and research this company yourself. Their claim denials are everywhere on the internet with people just like myself who have become disabled and are denied benefits. Don't take my story for granted, just see for yourself.
Colorado Springs, Colorado