Question
If MetLife denied my statement due to Crohn's Disease and then I get hurt for a completely different reason, can I still be covered?
I work for a company that provides short and long term disability through MetLife. I pay about $75 a month for both. I filled out the statement of health for MetLife and was denied coverage because I have Crohn’s Disease. I have been in remission for decades. I am challenging the decision and will provide medical information to MetLife. My question is what if I was injure my knee this weekend and need to use the short term coverage? A knee injury has nothing to do with why MetLife denied any coverage.
Answer
Shawn, if you do not have coverage then you would have no policy with which to make a claim. I suggest you speak to your HR department to see if you can get more information about why the coverage was denied. Typically there are no issues with getting coverage (or a need for evidence of insurability) under most employer provided plans.
