Dont be fooled by your employer suggesting to you to enroll in MetLife Disability Insurance. I made that mistake, and for 8 years I paid my premiums to MetLife. Then, I was injured at work and drew my workers compensation. Six months after my work related injury, I suffered a stroke. I applied for my long term disability and after all my medical records were given to them they turned me down. However, they offered to help me apply for social security disability. I told them no, I would do that on my own. They informed me, when I received my award letter from ss disability to fax it to them. It took several months to be approved by ss disability and in the meantime my family had to help me with living expenses. When I received my award letter from ss disability I faxed it to MetLife as instructed. Of course, I was denied. I appealed their decision 3 times and all three were denied. Reason given, MetLifes definition of disability is not the same as the Social Security Administration. I was also informed by MedtLife that I could file a lawsuit against them. That would be great but no attorney that I have spoken to will handle this ERISA case. Do you suppose MetLife is aware of this? I think they are, that is why they say well you can sue!! So, please, just save the money you would spend on monthly premiums to MetLife and leave it in the bank.