How do I file a claim?

There are three (3) ways to file a claim

1. Call the MetLife Claims Center at 1-855-700-8001 from 7:00 am – 10:00 pm CT, Monday – Friday

2. File a claim online at

3. File a Paper Claim by downloading a form from Send your completed claim form to the MetLife Claim’s office address and or fax number below: 

Metropolitan Life Insurance Company
PO Box 14590
Lexington, KY 40512
Fax: 1-800-230-9531

Whether you file by phone, online or by paper, you can track the status of your claim online or through MetLife’s “My Benefits” site, or via the MetLife US App. Simply search for "MetLife" on iTunes® App Store or Google Play to download the app. For more information on filing a claim, watch the following video.

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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