Claims

When you are out of work due to a disability, timing is everything to ensure that you receive your benefits without delay.

The most important information to remember when you file a claim

• You must give MetLife written Statement of Claim within 30 days after the first day you miss work due to a disability.
• Do not wait until the end of the elimination period to file a claim; any delay in reporting your claim can result in serious delay in payment of benefits.
• You must continue to make premium payments during your elimination period and while your claim is being processed.

You can use one of the following methods to file a claim for LTD benefits

• By calling the MetLife LTD Claim Office at
  866-729-9199, Monday – Friday, 8:00 am – 11:00 pm Eastern Time
• By completing a Claim Form available in the Forms Download section

To receive a Statement of Claim form either

• Download a form from our Forms Download page.
• Request one via email using our contact form.

Once MetLife receives your Statement of Claim you will be sent forms for providing Proof of Loss within 15 days. Disability claims generally take up to 45 days to process.

If you have filed a claim and have a question on the status of your claim, contact

MetLife LTD Insurance Claim Office
Mailing address is

Metropolitan Life Insurance Company
P.O. Box 14590
Lexington, KY  40511-4590
Fax: 800-230-9531
Dedicated Toll Free number: 866-729-9199

If you incurred a claim before April 1, 2010 and have a question about that claim, call

The Aetna LTD Claim Office, toll-free at 877-352-3862. Claims incurred prior to April 1, 2007 will be handled by The Hartford.

For all other questions regarding claims please click here.