MetLife
My husband has 2-5 yrs to live, yet MetLife has been giving him the run around
My husband has STD and LTD with his employer. He was dx with ALS/Lou Gehrig’s Disease Aug 2019, made official after many many test, as of Jan 2020 but continued to work until it became too difficult and he took STD Oct 2020 with Sedgwick. We had been told up until recently that Sedgwick also handled LTD only to find out that the company changed to MetLife for LTD. His company HR didn’t even know and had to contact corporate to find out after I inquired about it. Had I not been proactive with paper work, we would have never known of the change. My husband did apply for and qualify for SSDI and will begin receiving SSDI payments around April 28, 2021. He applied for LTD with MetLife last week and he is already starting to get a run around with MetLife. No one will give us a policy book or contact info for MetLife. I am beginning to think they are going to try and find a reason to deny his claim. He has Bulbar ALS and has almost completely lost his voice. He has muscle weakness in his legs and has fallen 3 times recently. He has a foot brace for foot drop. He is constantly having to take naps and rests due to his inability to sit or stand for long periods of time due to fatigue and painful cramping. What do we do at this point? ALS is a terminal neurological condition. He was given 2-5 years to live when dx a year and a half ago. There is no cure and you get progressively weaker and weaker as your muscles become paralyzed, including the muscles for speaking, swallowing and breathing. His STD runs out on April 5 and when we inquired about how long the approval process takes with ALS they would not give us a time frame. He is a salaried engineer and when working is required to work 10-12 hour days with long hours at his desk, having to speak to customers (which he can’t any more due to the loss of his voice), long stand up meetings and walking a lot around the company building. I am at my wits end already and it’s only been a week of trying to find anything out.
Reply
Tina, I am so sorry to hear that MetLife and the employer have been giving you the run around. From everything that you described, your husband’s claim should be a quick approval, though the governing laws do allow the insurance company some time to render a decision. In this instance, it is best to give all the documentation for this claim on a silver platter to MetLife. Thus, while they may do their own investigation, it is best to provide them with all the supportive medical documentation for your husband’s claim. Please contact us at once so we can further discuss ideas to get this application approved ASAP. We are more than happy to assist you.
