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 read the Disability Certificate of Insurance for more information. It is available by navigating to www.tn.gov/ParTNersForHealth. From there, select Publications > Publications > Disability Insurance > Certificate of Coverage.
Please note that the long term disability insurance FAQs are for state employees only. The state of Tennessee 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.