MetLife disability insurance review 2022

You might be able to get disability insurance through work with this top insurer.’s rating: 2.5 / 5.0


  • Consider Metlife if…You’re eligible for a policy through your employer.
  • Look elsewhere if…You don’t want disability insurance through your workplace, or you’re a high-income earner looking for more than $10,000 in monthly benefits.


Short term disability


Long term disability


Benefit period Short term: 3, 6 or 12 months
Long term: 2, 5 or 10 years to age 65
Waiting period Short term: 7, 14, 30, 60 or 90 days
Long term: 90, 180 or 365 days
Coverage amount Short term: $400 to $4,000
Long term: $500 to $10,000
Individual credit
Available states All 50 states
Policy riders No info available
Simplified issue Yes


  • Short and long term disability options
  • Helpful disability insurance calculator


  • Only available through your employer
  • Bad claims reviews

Review by

Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Sold through the workplace, MetLife’s disability policies cover short- and long-term needs. While the company is a well-established name in the insurance game, its policies can’t be customized. If you’d prefer to take out an individual policy, compare disability insurance companies.

Built-in benefits and policy riders available

Coverage varies between employers. Your policy may include the following provisions:

Built-in benefits

  • Non-cancelable and guaranteed-renewable. As long as you pay your premiums on time, MetLife can’t change your coverage or increase your rates. They’ll also renew your policy up to age 67.
  • Waiver of premium. If you lose your sight, hearing, speech, hands or feet, MetLife will reimburse your premiums after the waiting period.
  • Rehabilitation incentive. If you’re participating in a MetLife-approved rehab program, you may be eligible for a monthly benefit boost of 10%.


  • Residual disability rider. This pays a partial disability benefit if you’re still able to work — but you’ve lost at least 15% to 20% of your prior earnings.
  • Cost of living adjustment (COLA). This increases the monthly benefit while you’re on a claim.

Pros and cons of Metlife disability insurance


  • Short and long term disability options. Many companies only offer short or long term disability. With Metlife, you can be covered for short and long term disability with one insurer, making payroll deduction, filing claims and policy management much more convenient.
  • Helpful disability insurance calculator. Using a calculator tool on its website, Metlife uses your income and the percentage of coverage you’d like to clearly display the dollar amount of each benefit option.


  • Only available through your employer. If your company doesn’t offer Metlife disability, you won’t be able to purchase it individually.
  • Bad claims reviews. Customers reveal a claims process to be weary of through reviews mentioning wrongful denials, or being dragged along during the claims process.

MetLife disability insurance reviews and complaints

Despite being in business for over 150 years, MetLife isn’t accredited with the Better Business Bureau — but it has an A- rating for its customer interaction. Customers logged 663 complaints with the BBB over the past three years, and awarded the company 1.27 of five stars. However, these reviews reflect MetLife as a whole — and disability insurance is just one department, as of October 2020.

It’s a similar story on TrustPilot. The insurer has earned 2.2 of five stars, with many customers complaining about the claims process.

MetLife’s financial strength

Whenever you’re shopping for insurance, consider the carrier’s financial strength. It’s important because you might not file a claim for years to come. MetLife scored excellent ratings from the major agencies and has $91.2 billion in assets under management as of 2019, which means it has the money to pay out claims.

In J.D. Power’s latest study, MetLife ranked 4th out of 23 insurers surveyed, making it “better than most.”

AM BestA+ (Superior)
Moody’sAa3 (High quality)
Standard & Poor’sAA- (Very strong)
FitchAA- (Very strong)
J.D. Power4 out of 5 circles

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How do I sign up for Metlife disability insurance?

MetLife only offers disability insurance through the workplace, so you’ll need to ask your employer to explain your policy options.

If you have more questions, you can call MetLife’s disability insurance department at 800-858-6506.

More about Metlife

Founded in 1868, MetLife is one of the oldest and biggest insurers in the US. In 2017, it moved most of its individual policies to a separate company, Brighthouse Financial.

Now, MetLife focuses on workplace benefits. Along with disability insurance, it offers life, home, dental, vision, accident and health policies, plus annuities.

Frequently asked questions

Disability insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze disability insurance companies to help you find the best income protection policy for you.

We assess each company’s financial strength and customer satisfaction, as well as policy features, benefit and elimination periods and available riders. We then give each insurer a score between one and five stars that reflects available options and industry reputation.

Learn the details of our methodology and scoring.

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