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 read the Disability Certificate of Insurance for more information. Click here to view the Certificates.

Please note that Long Term Disability Insurance (LTD) FAQs are for State employees only. 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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