Report: #745129

Complaint Review: Metropolitan Life Insurance Company

  • Submitted: Fri, June 24, 2011
  • Updated: Thu, May 24, 2012
  • Reported By: Clara''s List — Alexandria Virginia United States of America
  • Metropolitan Life Insurance Company
    P.O. Box 14590
    Lexington, Kentucky
    United States of America

Metropolitan Life Insurance Company MetLife Bad Faith In Not Paying The Contract Policy Long Term Disability Payment. Pays Only 50% Of Disability Payments To Claimant. Lexington, Kentucky

*Consumer Suggestion: Insurance companies may refuse legitimate claims for long term disability benefits

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In 2004, I,  the Insured, purchased a Long Term Disability (LTD) Insurance Policy from MetLife Insurance Company through my employer, Sears.  This type of policy is covered under ERISA and is considered an Employer Goup Insurance Policy.

I became disabled in 2007 while working for Sears.  My premiums with MetLife were current. After fulfilling MetLife's 140 days mandatory waiting period, I began receiving my disability payments.

However, each month, MetLife sent me less than 1/2 of my disability payment.

Three years and eight major operations later, two more to go, including spine surgery,  loss of home, new car, and other lifetime accumulations, I continue to fight with MetLife for my full disability payments.

According to the "Policy Statement Agreement" on Page 6-2 of the 2004 Sears Benefit Handbook I must receive 60% of the first $20,833 of the Monthly LTD Covered Earnings less (a) any Other Income Benefits to which I am entitled and (b) 50% of any Rehabilitation Earnings, if any. 

MetLife has not honored any part of the above stated elements of our contract, and, according to my research, this is business as usual with MetLife. 

MetLife has pulled out of the LTD market, however, it has aggressively entered other markets focused on retirees, Seniors, and Reverse Mortgages to Seniors.

Sadly, the only way to get what I'm owed from MetLife is to file a lawsuit in court for "bad faith dealing by a long term disability insurer." 

If any others are facing similar issues, contact the FTC, FCC, your State Attorney General, and, this is a longshot, but maybe Michael Astrue of the Social Security Administration might have an interest in filing a 'friendly brief' supporting the interests of insureds like us, which might take a little pressure off of the SSI/SSDI departments, while Social Security review pending cases for disability.
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#1 Consumer Suggestion

Insurance companies may refuse legitimate claims for long term disability benefits

AUTHOR: SonjaKathryna - (United States of America)

Hi, my name is Sonja, & Im with the disability rights group from Sokolove Law.  We have been reviewing thousands of potential claims where insurance companies like Metlife refuse long-term disability benefits to someone who has a legitimate claim. Too often, legitimate claims are denied because insurance companies look for every possible legal and technical angle available that will allow them to deny a valid claim. When an insurer does not live up to its end of the contract, they act on what is called bad faith. 

For folks interested in learning more about bad faith practices of insurance companies, there is great information available at . If your claim has been rejected, I want you to know your rights and options. Call our office toll-free at 800-581-6943 to learn about your options and receive a free legal consultation.
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