I am a severe asthmatic. Recently had a bad attack and had to take off from work to be healed. From July 27- Aug 12 while off I applied for my company STD (short term disability) Metlife is the company.

I submitted all the correct paper work on time from my doctor who has been my doctor for the last 5 years and knows my condition.

They sent me paperwork stating my claim denied due to doctor not signing in proper place he signed where the name where his business name is instead of under signature and he didn't put follow up appointment date on the paper. The is not the first time i submitted a claim from the same doctor the same reason.

I had to appeal the decision they told me it would take 45 days which to them means it is still NO approval. Due to this my bills are behind and cant be paid.

If you are sick you might as well die if you have insurance they try to kill you with stress and deny your claims that you desire!!!

Better to not have the insurance than to almost die!!!