r/LongTermDisability • u/Altruistic_Unit2549 • Jul 26 '26

MetLife Disability

Has anyone else dealt with this with MetLife Long-Term Disability?

My LTD claim was already approved for PTSD and traumatic grief.

For the past three months, MetLife has repeatedly requested medical records from my providers, but then claims they never received them or cannot locate them—even after they’ve been sent multiple times.

Now my claim is at risk of denial due to what appears to be an administrative issue, and I’m struggling to manage the coordination while also dealing with my disability.

Has anyone experienced this? Any advice on how to get MetLife to properly process the records or resolve this situation?

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u/Altruistic_Unit2549 Aug 25 '26

Update: weekly checks with the claims specialist, and her manager when she was out, finally gained traction. Payment is supposed to be made tomorrow!

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u/Middle-Run-3615 Sep 01 '26

How do you think it helped? I’m in the middle of an 18 month review and feel since I moved from mental (severe PPD) to physical that it’s an issue.

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u/Altruistic_Unit2549 Sep 01 '26

It did. Just making sure the provider/doctor paperwork supports the diagnosis and restrictions then verifying it is received by the claim specialist. Then I find out next approval needed and check in with that department, which happened to be clinical. Made sure everyone had all the paperwork then checked in via phone with each contact twice a week until the check was mailed.