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Filling out MetLife's detailed application could make me ineligable to premium waiver program

Reviewed by Armani on August 13th 2019 Verified Policyholder

Hi. I am with MetLife life insurance premium waiver program. I fill the disability application every year and so does my physician for my back injury at work. This year application is a little more detailed and they are asking me about any income I receive and if my job would accommodate me. I receive disability retirement from my work as they could not accommodate my sedentary work type the doctor ordered and they retired me. I don’t know if putting the income amount would make me eneligable to premium waiver program. Please advise.

Reply

Sent on August 13th 2019 by Attorney Gregory Dell

Armani, I have never seen a Life Insurance Waiver of Premium claim have any issues due to a disability retirement benefit. However, I have not reviewed your policy and without actually seeing your policy I cannot fully answer your question. Also, if you also have a claim for Long Term Disability Benefits with MetLife, it is possible that this information could be shared by the Life Insurance People to the LTD people at MetLife and the disability retirement benefit may be an offset to your LTD claim.

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MetLife Reviews

(56)

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1.6 out of 5

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57%

42%

Timely Payments

2.0out of 5

Handling Claim

1.9out of 5

Customer Service

2.1out of 5

Dependable

1.9out of 5

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Showing 4 of 56 Reviews

MetLife

Horrible STD Service. Run !!!!

Reviewed by Scott F. on July 8th 2025 Verified Policyholder | June 2025 date of disability

For the first time since I can remember my employer did not offer STD as one of my paid benefits so I’m paying for this policy. Had to file a claim on 6-14-25. Went thro...

MetLife

They will do anything to not approve your claim

Reviewed by Amanda on January 29th 2025 Verified Policyholder | January 2025 date of disability

MetLife’s handling of my short-term disability claim has been incredibly frustrating and stressful. I followed all the necessary steps prior to my surgery, providing the...

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Sent on January 27th 2025 by Attorney Gregory Dell

Amanda,We are sorry to hear about your MetLife experience. Stay on top of them and it’s likely they will past you since you are post surgery....

MetLife

They FULL OF ****

Reviewed by KM on October 3rd 2024 Verified Policyholder | August 2024 date of disability

MetLife is what everyone on this review are saying. They don't contact you to let you know what's going on with your claim or to let know you need additional info. I had a...

MetLife

MetLife for disability? Avoid the surgery unless it's life-threatening

Reviewed by Jeff on August 22nd 2024 Verified Policyholder | August 2024 date of disability

The worst company I ever dealt with, never received a call from my claim manager.

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Answered Questions by Our Lawyers

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Showing 4 of 76 Answered Questions

Q: Can Metlife reduce my LTD benefit due to SERP payments that were not paid to me (they went directly to FICA taxes)?

Answered on March 24th 2025 by Attorney Gregory Dell

A: Jim:If this payment is a form of a retirement or pension payment then it is likely correct for Metlife to of...

Q: Do I have an option after my appeal is denied?

Answered on April 10th 2024 by Attorney Gregory Dell

A: Lauren:If your appeal is denied by MetLife then you have the option to file lawsuit in federal court.

Q: My daughter died in 2019

Answered on February 12th 2024 by Attorney Gregory Dell

A: If your daughter was disabled prior to being terminated then she should have coverage.

Q: Can I sue Metlife for non payment of approved claim?

Answered on December 28th 2023 by Attorney Stephen Jessup

A: Unfortunately, the answer is "not liklely." I would assume your MetLife policy is an employer provided policy ...

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Helpful Videos

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Disability Benefit Tips

(331)

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How Does Having A Disability Lawyer Help Me Fight For Metlife Disability Benefits?

Metlife is one of the top five largest long term disability insurance companies. They have tons of resources and people that they rely upon to evaluate long term disability claims. Our disability insurance attorney have handled thousands of long term disability insurance claims and have the experience to give a claimant the best opportunity to collect long term ...

What Should I Expect if Metlife Wants to Send Someone to Interview me?

Metlife has a team of full time employees that go around the country interviewing long term disability claimants. These interviews are often used as the basis to deny a long term disability claim. In this video, disability insurance attorney Gregory Dell some discusses some basic things to expect if an interview has been requested. Our lawyers are available to h...

MetLife Disability Buyout and Lump Sum Settlements are Back

MetLife is one of the top five largest group and private disability insurance companies nationwide. As of January 2016 it appears that Met Life is now interested in considering the buyout of a claimant's group long term disability policy. MetLife has always done buyouts of individual disability insurance policies.For the past ten years Met Life was not interested in buying out the disability policy of a cl...

Metlife - Latest trends seen in handling ERISA and private disability insurance claims

In this video nationwide disability insurance lawyers Gregory Dell and Cesar Gavidia discuss the latest trends they are seeing in Metlife's handling of both ERISA and private disability insurance claims....

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Our Resolved Cases

(387)

Showing 4 of 387 Our Resolved Cases

ERG International Customer Service Rep Wins Two MetLife Disability Appeals

MetLife denied our client's long-term disability claim twice in less than two years — both times by relying on a non-examining psychiatrist who never laid eyes on her, and both times by ignoring the lupus, connective-tissue disease, and joint hypermobility that were independently destroying her ability to work.Our client is a Texas customer service represe...

Teacher's Disability Benefits Reinstated by MetLife

Our client, a former elementary school teacher in Broward County Florida was forced to stop working to undergo lower back surgery with a fusion. Prior to the scheduled surgery he pre-emptively filed a short-term disability claim with MetLife, which was approved prior to his surgery. Despite the surgery being a “success”, it did not alleviate his pain complet...

MetLife Denies Disability Benefits and Tells TFORCE Truck Driver It's Safe For Him to Drive

Our now client was formerly employed as a Truck Driver for TForce Logistics, which, as some may know, is one of the biggest transport and logistics companies in North America. A lifelong truck driver, our now client loved what he did and loved who he worked for. Unfortunately, various sicknesses and injuries were impacting his ability to do the job tha...

Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal

Our client came to us after her claim for long term disability insurance benefits was denied by MetLife. Prior to filing this claim, she worked for the Harris Corporation which is now known as L3Harris Technologies, a technology company and defense contractor. In fact, as part of her occupation as a Contracts Manager, she worked on a base in a building tha...

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Disability Lawsuit Stories

(766)

Showing 4 of 766 Lawsuit Stories

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson. Her first day of work with Towers was September 8, 2003. Her last day of work was December 23, 2015. In August 2016, she applied for long-term disability (LTD) benefits under her employer’s disability insurance benefit plan which was administered by MetLife.In thi...

Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data

In Roberts v. Metro. Life Ins. Co., C.A. No. 6:18-cv-725-TMC (D. S.C. Sept. 3, 2019), Plaintiff worked for IBM for more than eighteen (18) years when he stopped working in September 2010 due to intractable migraine headaches and cervical pain. He filed claims for Social Security (“SS”) disability benefits and short term disability (STD) benefits with MetLife, which is the claims adminis...

California Federal Court Overturns MetLife’s Denial of Disability Benefits

Application for Long-term Disability Under Kaiser Health PlanRenee Monroe worked as a Human Resources Compliance Specialist for Kaiser Foundation Health Plan, Inc. (“Kaiser”). Beginning in 2013 Ms. Monroe began experiencing significant low back pain and was taking off of work by her physicians. An MRI of her lower back indicated diffuse disk bulges at the L5-S1 vertebral disc. Ms. M...

Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation

In Monroe v. Metro. Life Ins. Co., 2020 WL 143005 (E.D. Cal. March 24, 2020), Plaintiff worked for Kaiser Foundation Health Plan, Inc. (“Kaiser”) until 2014 when chronic lumbar back pain caused her stop working. She applied for long term disability benefits (LTD) but was denied. Plaintiff hen filed suit under the Employee Retirement Income Security Act of 1974 (“ERISA”) to recover benefits due to her....

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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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Filling out MetLife's detailed application could make me ineligable to premium waiver program

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Resources to Help You Win Disability Benefits

Submit a Strong MetLife Appeal Package

Sue MetLife

Get Your MetLife Disability Application Approved

Prevent a MetLife Disability Benefit Denial

Negotiate a MetLife Lump-Sum Settlement

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