What happens if my request for Short Term and/or Long Term Disability benefit is denied? Is there an appeal process?

If your claim is denied, you may appeal the decision. Upon your written request, MetLife will provide you with copies of documents, records and other information relevant to your claim.  You must submit your appeal to MetLife at the address on the claim form within 180 days of receiving MetLife's decision. Please see the Short Term Disability Insurance Certificate and/or the Long Term Disability Insurance Certificate of coverage for more information.

The State of TN does not offer Long Term Disability Insurance to Higher Education employees. If you are a Higher Education employee, direct questions on LTD to your Agency Benefits Coordinator.   

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