So, I have put off surgery on my rotator cuff for about 9 years. It was not a pressing matter and I could function just fine in all positions that I held regardless of job requirements. So, in Dec 2009 I have a 2nd MRI done and it shows that my rotator tendon is almost completely torn. I am in constant pain and it needs to be repiared within 8 months. So, I schedule my surgery for June and get a hold of my employer. I ask who covers our short-term disability and find out it is MetLife. Never having used any type of disability, I get some info... read full review »