I have worked for the same Company for 27 years. Paid 100% after taxes for a LTD policy through MetLife LTD $40.00 per month for 27 years until now. I was hurt on the job and reported it to a supervisor. Seen the COMPANY Doctor, who told me I probably just had a touch of aurthritis. Seen my PCP, who told called me a baby and to just go back to work. But in the same breath, she prescribed to me Darvaset! I started taking this pain medication, my SO-CALLED Plant Nurse told me I could not work taking this type medication. Then I decided to see a specailist on my own, beingI had a health insurance policy were I didnt need a referal from my PCP. It turns out that I hae been working with severed nerves in my c-spine. To make a long story short, I filed for workmans compensation and won a huge reward but I had to sign off for it! Now MetLife LTD wants it ALL! Im now permanently disabled and only alowed to make 50% of my past income! It wouldnt even benafit me to purchase a lottery ticket! Becasue a MetLife Rep. told me I would have to report it to them if I won, or I could lose my benefits! I think I could have gotten better coverage from the MOB!