Question
How can I get Metflie to send me a copy of my policy?
My sister has Metlife and is on SS Disability, she also has a 13 year old son that gets funds from SS. Metlife deducts his amount from her payment. She has asked for a copy of her policy from metlife so that she can read the language that allows them to deduct this amount, Metlife has NOT sent her the contract. Metlife figures they have overpaid her $48000.00 and wants her to now pay it back, they continue to call her asking for the money, she continues to ask for a copy of the policy. How can she get Metlife to send her a copy of HER policy?
Answer
Kat, the ERISA regulation require the disability claimant to request a copy of their long term disability insurance policy from their employer and not from the disability insurance company. The request must be sent in writing and you should send it certified mail with signature confirmation. The employer has 30 days to produce a copy of the policy or they will be subject to a penalty of $110 a day.
