Question
Who is responsible for providing a copy of my policy?
MetLife has been paying me disability because I took out the policy where I use to work. Now that I’ll be 65 in November of this year and the full retirement age for me as changed until I’m 66, does MetLife have a right to stop my disability income at the age of 65 or 66? I have called them and ask them to send me a copy of my disability insurance plan, but was told that they couldn’t send me a copy because it wasn’t legal. They told me to call the company that I worked for to get a copy, which I have many times and left messages to please call me back and they never do. When drawing disability from a disability insurance policy, can they also take out less money because I’m drawing from SSD as well? I don’t know what to do about any of this and neither MetLife or the company I worked for are willing too help me at all. I’m just sick and tired of being ignored from these 2 companies. Now what should I do?
Answer
Kathy, the ultimate legal duty to provide a copy of your policy lies with your employer. I suggest you make such request in writing so as to create a tangible paper trail. If your policy only provides benefits to age 65 (which many do) then the benefit would terminate then even if your SSRNA is greater.
