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Attorneys for MetLife Disability Claims

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With more than $70 billion in annual revenues, MetLife is a financial monster that you should not fear. While Met is great at making money, they are overwhelmed with administering short term and long term disability claims. The MetLife disability insurance claim division administers both Group ERISA disability plans and private disability insurance policies.

Through the litigation of numerous lawsuits against MetLife and the daily representation of MetLife disability claimants our firm has the knowledge and skill necessary to enforce our client’s contractual rights.

Does MetLife Pay Disability Benefit Claims?

As one of the world’s largest corporations MetLife routinely commits the same actions resulting in unreasonable disability claim denials.

Our firm has recovered disability benefits for 99% of our MetLife clients. Our job as your disability attorney is to make MetLife pay you the disability insurance benefits that you are entitled to receive. Our disability attorneys represent MetLife claimants at any stage of a disability claim, which includes the application process, on-claim handling, ERISA appeals and lawsuits.

At any given time, our law firm usually has numerous lawsuits pending against MetLife. You don’t need to wait for a claim denial in order to get us involved.

Free MetLife Disability Claim Information, Cases, Videos and Comments

We are of the opinion that a disability claimant should be well educated about their disability insurance company and the manner in which their company handles disability claims.

This section of our site contains videos about MetLife, cases our firm has resolved against MetLife, and a summary of lawsuits and court decisions involving MetLife.

We want you to learn what other MetLife claimants have said about MetLife, so we have created a public forum where MetLife claimants can either post comments on our website about their experience with MetLife or ask our lawyers general questions.

We encourage you to review all of the information about MetLife and to contact us if we can assist you with your claim.

There are 234 opinions so far. Add your comment or complaint now.

Larry Lipman:

I have a claim with UNUM. They administer my GenAm policy owned by MetLife. I filed in August. I have yet to receive an approval or denial. I feel like they’re continuing to come up with new request after new request in the hopes that something will turn up that would favor a denial. What is your process for evaluating a representation relationship with a potential claimant?

Attorney Greg Dell:

Larry, since your claim is pending we need to review your disability policy in order to determine if we can assist you. Please call us to discuss your claim and we will provide a free consultation to discuss your claim.

David Mello:

I worked for 35 years and had Metlife thru my last employer. I became ill with Aids, Neuropathy in my feet, legs and hands, chronic fatigue, chronic pain, entiritis of the intestines, chronic nausea, shortness of breath, arthritis in my spine and right wrist, GERD, hepc, depression and panic attacks. My doctor took me out of work because the stress level was practially killing me. At that time I was put on disability for hiv with physical complications (2006). Sometime in 2008 Metlife without notifying me changed my disability status to a mental disordered. By doing this they were able to cut off my benefits in 24 months under the plan I had at work. Even with tons of documentation from several doctors and a decision from a judge for SSDI benefits approved Metlife is still cutting me off. Before getting sick I worked for 35 years, had a house, a nice car, and a 401k plan for retirement. I am 52 years old and have lost everything now living on 60% of my earnings. Metlife treated me like I was subhuman and not worthy and that just made me more sick.

Mike Woodward:

I had a disabilty policy with AMERCO (U-Haul) payable to age 65. I have received $688 a month for 11 years.Two years ago MetLife began administering the policy. Because I have a dependent child that also gets Social Security, they now claim that they want to reduce their payment by the amount of my daughters Social Security which leaves no money for me. What gives?

Attorney Greg Dell:

Mike, you need to review the Deductible Sources of Income section of your policy to see if the disability policy allows MetLife to deduct for payments to a dependent child. I have seen Metlife disability insurance policies that allow the deduction for a dependent child.

Bob Conolty:

It has been 8 years since I was denied, but I did not know what to do, nor did I have the strength to “fight it” as you stated in the video because I have Fibromyalgia which keeps me fatigued and in sever pain ALL the time. Is it right that I will never get my disability benefits all because I was too disabled to “fight it”, plus I was trusting in Metlife (through IBM) to take care of me. Now I understand how evil they are, but I would like to try to still make them pay because I knew not what to do until recently, and even if I had known, I did not have the strength to fight it. Is it possible to get an exception of the statute of limitation (I’m in NC) since I knew nothing about it? And since I was trusting an untrustworthy company? This is so wrong! And I really cannot believe Metlife is getting away with this. btw, I was approved by SS right away.

Thanks so much!

Attorney Greg Dell:

Bob, we are sorry to hear about your denial of long term disability insurance benefits by MetLife. Unfortunately, there is no exception to the statute of limitations that we are aware of. The statute of limitations varies in each state, and the time period could be as little as 3 years and in some state as much as 6 years.


My wife is one hundred percent disable and she is on Social Security Disability and receives Long Term Disability Income from MetLife Ins. Metlife cut her amount of long term disability by the amount she gets each month from Social Security. Is this legal? One more question, will she receive benefits from MetLife for the rest of her life from the Long Term Disability? Thanks, Bert.


My husband is on long term disability. His plan was managed by Prudential until Jan of this year. We got a letter saying that MetLife will now be handling his claim. Not even a month later he gets a call from Metlife saying they are going to review his claim to see if he can work at all, at any job. My husband can barely do anything, he is always so fatigued due to the anemia, we do dialysis 5 days a week for 4 hours and now we have to fear that they are going to take the little bit of money he gets a month away. If they terminated his LTD he is going to lose his medical insurance and life insurance. I am so scared. Prudential and Social Security Disability both told me they usually do reviews every two years but because he is ESRD and on dialysis they would probably only do it like every ten years. Does anyone know what the chances are of them denying his continued claim?

Attorney Greg Dell:

Bert, you need to review the language in your wife’s Metlife disability insurance policy in order to determine if Metlife has a right to deduct the social security disability benefits. Most disability policies obtained through an employer have a deduction for social security disability benefits. You can write Metlife and ask them to clarify in writing their right to a social security offset. There is no guarantee that your wife will receive long term disability benefits the rest of her life. The disability carriers evaluate each claim on a monthly basis and if they believe that your wife is no longer disabled, then they will deny disability benefits. Your wife’s approval of SSDI benefits makes it less likely that she would be denied, but approval of SSDI benefits is not a guarantee that disability benefits will continue. Lastly, your wife’s Metlife disability policy probably states that benefits end at age 65 or 67.

Attorney Greg Dell:

Vickie, based upon your husband’s current medical condition it would be highly unusual for Metlife to deny his disability benefits. The forms that MetLife is requesting are routine and you should not be concerned. If you husband has been on disability for less than two years, then he may have a change in the definition of disability which takes palce after 24 months. This is another reason that Metlife may be requesting paperwork. You should anticipate that Met Life will request disability claim forms at least once every 2-3 months.


My sister has metlife and is on SS Disability, she also has a 13 year old son that gets funds from SS. Metlife deducts his amount from her payment. She has asked for a copy of her policy from metlife so that she can read the language that allows them to deduct this amount, Metlife has NOT sent her the contract. Metlife figures they have overpaid her $48000.00 and wants her to now pay it back, they continue to call her asking for the money, she continues to ask for a copy of the policy. How can she get Metlife to send her a copy of HER policy?

Attorney Greg Dell:

Kat, the ERISA regulation require the disability claimant to request a copy of their long term disability insurance policy from their employer and not from the disability insurance company. The request must be sent in writing and you should send it certified mail with signature confirmation. The employer has 30 days to produce a copy of the policy or they will be subject to a penalty of $110 a day.

Vincent Bochis:

After paying long term disability benefits for twelve and a half years, AT&T has started to deduct a vested pension, which AT&T claims was rolled over, in the sum of $50,000, by reducing the monthly LTD payment by $334 until the pension “overpayment” is repaid. Is the action taken by AT&T a contract claim? Does the New Jersey statute of limitations prevent AT&T from doing this? Can AT&T do this on its own without having first obtained a Court judgment?


Almost two years ago, my husband was taken out of work and deemed disabled by Metlife under his longterm disability insurance that he purchased through his job. He was required to apply for Social Security Disabilty which he did. First he was denied, then recently approved for Social Security Disability. Under the order, Metlife was supposed to supplement the SS to match his current disability payment. Within days of receiving notification of approval, Metlife decided that my husband was not sending in the paperwork properly and discontinued his claim until further paperwork could be submitted. The representative was told that he was approved for SSD, and information was sent to Metlife as requested. Now he gets a call stating that their (Metlife) nurse has reviewed his records and concluded that he was no longer disabled by their definitions. We are dumbfounded! Nothing has changed since day one except his condition has worsened and he has been diagnosed with several other issues. Is there Any recourse? Are we just screwed?

Attorney Greg Dell:

Karen, you may have recourse against MetLife, but we must review the denial letter sent by Metlife. If your husband’s disability policy is governed by ERISA then you must be aware that there are strict appeal deadlines that must be followed. Contact us and we will provide you with a free consultation to discuss your husband’s options.


My husband signed up for 1000.00 a week for short term disability from Metlife and he only received 400.00. They said he could not get more money on disability then when he worked. He paid for the 1000.00 a week premium. We have requested information from Metlife and they refuse to send us the contract or the original paper work that my husband filled out showing this amount and will not explain why he only received the 400.00 a week. How do we get this information? They keep telling us to go to his employer which he was let go from while on disability after working there for 13 years – or go to the Niagara Partnership Company which was the company who set up all the insurance from his employer. We have done all of thee above and are still refused this information. Now he is on long term disability, was denied SSDI and we are affraid they will stop his long term claim. Any help would be greatly appreciated.

Attorney Greg Dell:

Vincent, AT&T’s ability to deduct for your pension will depend on the language contained in your Long term disability policy. Your question is very specific and it can only be answered after a detailed review of your disability policy. The action taken by AT&T is a right they are exercising pursuant to the terms of your disability contract.

Attorney Greg Dell:

Nancy, if the disability benefits were offered through the employer, then you must send a request in writing to the employer. According to ERISA regulations, the employer has 30 days to respond or they could be subject to a $110 per a day penalty.

Laurie Tilden:

My husband has fought a panic disorder for 12 years with short periods of disability. He was approved for LTD folowing the term of STD through METLife. He attempted to return to work never really accepting that he was permanently disabled but it exacerbated his condition dramatically and he was placed off work permanently by two treating MD’s. MetLife cancelled and has refused thus far to reinstate his LTD despite letters and MetLife forms from both doctors stating he was permanently and totally disabled. Of course their MD who never had a conversation with my husband feels he can work. Is there any way to fight this and win? And why is a mental disability only given 24 months and any other disability is for five years? Isn’t that discriminatory?

Attorney Greg Dell:

Laurie, if you husband’s policy is governed by ERISA, then he must submit an appeal within 180 days. I would recommend that you call us to discuss the claim denial and we will discuss his options. Most MetLife group disability policies limit mental nervous conditions to 24 months. These limited pay period are usually valid.

Jay from Louisville, KY:

I am currently receiving monthly payments from Metlife, as well as SSDI. When I received the SSDI back pay, there was a deduction from my checking account to pay Metlife – It was almost the complete amount that I received.

Now, I was granted a settlement award from the car insurance company of the wreck that started all of my pain. And, Metlife now wants 100% of this award. They have recently sent statements listing amounts that I have been “overpaid”. The totals on these statements do not total to the amount they have listed as the total in the cover letter, as I have tried to understand. They are still paying me, but I fear that they could stop at any time. I need advice, and quick.

How is it that they can demand this money from the auto settlement? Do I have to pay them? How can I fight this?

Attorney Greg Dell:

Jay, some MetLife disability policies provide for an offset if your disability is caused by a third party. In your case a third party would be the person that caused your injury. You need to look at the offset provisions of you policy. MetLife should only be entitled to an offset for the compensation you received for lost wages only. Your auto accident attorney needs to let you know what portion recovered was lost wages versus pain and suffering or medical bills.


Please help. I have recieved LT disability through MetLife for 2 1/2 years due to severe osteoarthritis, knee surgeries and knee replacement. Just recently I was approved for SSDI. My SSDI has me disabled due to “mental” issues (I have chronic depression and anxiety – everything went wrong with me mentally and physically after I got West Nile Virus 3 1/2 years ago).

Anyway, can Metlife now change my disability status to a mental diagnosis and decline benefits according to their “mental” clause of 24 month maximum beneifit period? If so, can they go back and demand to be repaid for anything paid over the 24 months? I still have the orthopedic issues and other medical issues due to West Nile. I am involved in Metlife’s rehabilitation program and they were going to begin paying for additional education starting in August. There is a plan in place with MetLife for me to eventually return to work in about 2 1/2 years.

Is everything on the line now due to the SSDI’s ruling? Am I at risk for losing my Metlife benefits?


I am currently receiving LTD benefits from MetLife, and have just been approved for SSDI benefits, so my payments form MetLife are now being offset by the amount I receive from Social Security. Since I also qualify for family benefits, this means my Met Life benefit has been substantially reduced. The problem is that My MetLife benefits were not taxable, but my SSDI benefits ARE. Since my wife is still working and earning it looks like my SSDI benefits could be taxed at up to 85%! I assumed that MetLife would have to reduce the offset by any amount of tax I had to pay but MetLife say they are NOT responsible for this difference. Is this legal? If so, it seems to me that I would be better off not receiving the SSDI.

Attorney Greg Dell:

Marcy, if the primary disabling condition is physical and your mental illness is secondary then the 2 year limitation should not be a concern. If you continue to be disabled by orthopedic issues then the findings of social security will not have any retroactive implications. If you are accepted to the Rehab program I have never heard of a situation where MetLife revoked approval.

Attorney Greg Dell:

Chuck, in the scenario you described it is true that you may be better off without the SSDI. We are currently researching pursuing a lawsuit against MetLife for people that are in your exact position.


What is the “rule of thumb” cost for an insurance company to defend against an ERISA lawsuit?

Attorney Greg Dell:

Steve, there is no rule of thumb cost for an insurance company to defend a disability denial case. Insurance defense firms usually work by the hour and charge anywhere from 175 hour to 450 hour. I have seen defense attorney fee bills from as low as 15000 to over one million dollars for defending an ERISA disability denial. The facts and issues are different in every case so there is no rule of thumb on defense cost.

Sherry DeLeo:

My husband purchase MetLife Short Term disability through his employer, Home Depot. He injured his shoulder and had to have extensive surgery to repair the injury. MetLife was sending us a weekly check until he turned 62 and applied for Social Security. Not SSID – just regular SS. MetLife now says we owe them money because they deduct his SS payments from his MetLife payments. I could understand if it was SS disability, but not regular SS. We have asked Home Depot and MetLife for a copy of our policy and have not received one yet. Any comment or help would be greatly appreciated. Thank You!

Attorney Greg Dell:

Sherry, unfortunately, most MetLife disability insurance policies provide for a set off for any social security disability payments. Please check the FAQ section of our website for additional information on overpayments.

Kristine Endres:

I have appealed and just found out my appeal was denied after 180 days and now have to file a civil action against Metlife, for the following Illnesses: Multiple levels of Severe DDD in my lumbar and theoratic areas of my spine and issues with my cervical, Fibromyalgia, Severe Rhuematoid Arthiritis, Degenerative Disease in both shoulders and both knees, severe chronic pain, Generalized depression disorder, Anxiety disorder and Post tramatic disorder and an asthmatic in dealing with all this, how much can a person handle. I have 4 doctors states that I am disabled and cannot work and Metlife still denies my claim due to their Independent physican’s opinion. I am laying down most of the time as I cannot sit, walk, stand for any length of time without being in crucial pain all due to an accident because a stupid farmer refused to have lights or reflectors on his farm equipment and using it when it was pitch dark out, almost lost my life over it as I crashed into the manuer spreader at 50-55 miles per hour then have to deal with an total dishonest Insurance company as Metlife is! I really need help! I am only 43 years old, I have 2 teenagers and a husband and all they want is their wife and mom back.


Hi, I am 54 years old. I have severe Fibromyalgia. I had been on LTD from my job via MetLife. After two denials MetLife assigned me an attorney and I was awarded disability in Sept 2010. MetLife had said in Nov 2009 that I was approved thru 2023 as long as medical supported. Immediately upon informing MetLife of the favorable decision from SSDI (two weeks), they initiated a “review” with their “independent consultant”, who has never examined me. Even though my Doctor stated I could not hold gainful long term employment , they said I could work eight hours sedentary and closed my claim immediately. It was also determined by Met that they still owed me a monthly benefit, then came the “review”. I am currently in an appeal but even though my Doctors have disagreed with their findings I have learned that there is very slim chance for me. I live in NC. Do I have a civil case possibly?

Attorney Greg Dell:

Jerry, your chances of winning your disability claim are not slim if it is handled correctly. If your appeal is denied, then you definitely have a civil case against Metlife. It is to your advantage and important to have legal representation during the appeal process. Please contact us confidentially via telephone or through our free consultation page in order to discuss your Metlife disability claim denial. You should also take a look at our ERISA appeal and Metlife videos.


I recently had surgery to try to fix a problem with my plumbing so that my wife and I can have a child. The hospital wrote me out of work for only two days but my doctor who did the procedure placed me out longer. I was out of work for two weeks and was informed by employer to file for short term disability. I can’t understand how or who would think that I could’ve worked when I couldn’t but a pair of underwear on for 4 days and was on 500 mg of antibiotics 4 times a day which kept me in the bathroom all day long plus I work on my feet for 8 to 9 hours a day. I was so swollen that I had to walk like a duck and very slow for the first week. I think that it is wrong and would like to find out what I can do can I file an appeal or seek legal action against metlife and my employer.

Brian Garfield:

When I first went on long term disability back in 1999, MetLife would send me a form to fill out, as well as one for my doctor to fill out. At first, these came at two year intervals. It has only been 10 months since the last one we filled out, and they are sending me yet another set to fill out (me and my doctor).

It has always been very clear that my disability is a permanent one, which is getting worse, not better. I was diagnosed with Primary Progressive Multiple Sclerosis, and with this type of MS there is NO remission period. In addition to my MS, I also suffer from incomplete quadriplegia resulting from a car accident back in 1982. Seeing that by now, they must have at least 10 or 12 of these reports on file, I would like to request that the neccessity of these forms be stopped. Please respond to let me know if this would be satisfactory to Metlife Claims Dept.. Thank you very much.

Brian Garfield

Attorney Greg Dell:


If your claim was denied by MetLife, then they are required to send you a letter explaining their reason and your rights to file an appeal. You must file an Appeal within the time frame they give you. You cannot file a lawsuit until you complete all of your appeals.

Please watch our video on ERISA Appeals.

Since you are seeking benefits for a very short period of time, this is a claim that would not be cost effective for you to hire an attorney.

Attorney Greg Dell:


MetLife can request the forms as often as they like. In your case MetLife is probably requesting the forms again as you have a new claims examiner and the claims examiner did not bother to do a detailed review of your file.

You should send a letter explaining that it is a burden for you to get these forms and ask them to reduce the requirement for an APS. Most carriers will require the form at least one time a year, but in some cases they can eliminate the need to send an APS completely.


I am on disability with MetLife and also social security. I just got married. Will that marriage effect my amount I get from MetLife?

Attorney Greg Dell:


Congratulations on your marriage. A marriage should have no impact on your disability benefits from MetLife. If you have kids, then social security may pay you a benefit for your child and MetLife will deduct the benefit you receive from Social Security disability.


I’ve been on Total and Permanent Disability for almost 18 years with many auto-immune diseases. My employer happens to be MetLife. Can they turn around and deny me benefits after receiving it so long? I’m a few years from retirement and I thought you might want to know that MetLife employees under their LTD plan benefit – if MetLife deems me able for gainful employment in this economy that the job must be able to give me at least 80% of my MetLife pre-disability earnings if not then I am still considered disable. Are you aware of this?

Attorney Greg Dell:


MetLife has the right to deny your disability claim at any time. If you continue to have strong medical support, then it is unlikely that you will have any problems.


I have been on an employer sponsored MetLife LTD plan for 16 months. I have had 4 different case managers during this period. I just received a call to advise me that MetLife is requesting another set of documents from myself and my doctors. During this conversation I was able to find out that I now have no case manager. It appears that the turn over at MetLife for case managers is high. The problem is I have to go through this with every case manager change. MetLife must retain these files, can I request a copy of all the files they have regarding my case? If so, who do I submit the request to?

Attorney Greg Dell:


You can send your request in writing to MetLife, but they may not give you anything since your claim has not been denied.


I am currently receiving LTD benefits from MetLife through my employer, and have just been approved for SSDI benefits. The MetLife LTD benefit will be running out in Oct 2012 according to their “mental” clause of 24 month maximum benefit period. Do you think I will have chance to win the case if I decide to fight with them since I’m still taking medication to reduce my anxiety/depression? Thank you very much!

Attorney Greg Dell:


If you are disabled exclusively by a mental disabling condition that is clearly limited to 24 months, then there is no basis to challenge the MetLife 24 month mental nervous limitation. If you have other physical conditions that prevent you from working, then you would want to challenge the 24 month limitation.


I was approved for benefits and paid for a number of months before my insurance company terminated benefits. I submitted a timely appeal which they have had for 71 days. They have neither provided me disposition nor advisement of extension. My claim is low dollar value so I can’t engage an attorney. Any thoughts on what to do next?

Attorney Greg Dell:


You need to sit tight right now and wait for a decision. They should make a decision any day now. It is no unusual for MetLife to blow the appeal deadlines. If your appeal is denied, you should contact us and we will see if we can help you to recover benefits.

John Doe:

MetLife is happier than a tick on a fat dog because they are busier than a one legged cat in a sand box doing everything in their power to thwart my efforts of getting disability insurance benefits.

I am more confused than a hungry baby in a topless bar as to how they can justify this humiliating and degrading treatment of a disabled person.

I would rather have jumped naked off of a 12-foot step ladder into a 5-gallon bucket of porcupines than to do business with the perfect example of an evil empire called MetLife.

I know sure as there is a hell and it’s not freezing over that I am not the only MetLife client madder than mosquitoes in a mannequin factory about their shady questionable business tactics.

This has taken a toll on my nerves, tested what little patience I have left, raised my blood pressure, and taken my stress to an entirely new level. I just want them to pay me my disability benefits.


My question is similar to Brian’s above.

I’ve been on LTD for 10 years (high level SCI) and would receive forms every year around Nov. I also receive forms from a different carrier at the same time for a DIP. This year I didn’t receive forms from either company, so I called them. The DIP Co. said they sent me the forms in late Oct. so they resent them. MET said they had no record of sending them but looked like they would go out in a couple weeks. So I made a doctor appointment for early Dec. and took the DIP Co. and a blank MET physcian statement (I make copies, because there usually same form every year) to the doctor to fill out. In mid Dec. I still hadn’t received anything from MET, so I called and the Case Manager said they would be going out 12/21. Last week I still hadn’t received them, so I called them and the CSR said they were on hold but he would request release on them. This is also the fourth PCP (three different locations) I’ve had with the same diagnosis/prognosis.

The question is, does the LTD Co. ever stop sending forms?

Sheila Lowe:

I was approved for Social Security, MetLife has been paying me $1700.00 a month. I was awarded @1180.00 a month, they sent me a W-4 in 2010, so I am actually claiming the money they want me to pay back. For the last two years they have overwhelming me with signing paperwork, not knowing what I am signing. I got it for stress and anxiety, my medicine has been changed about 10 times, so half the time I did not know where I was at. In 2010 they reported my disability as wages, so now they have to send a letter to social security to prove I did not work. Why should I pay back money I claimed on taxes? My rep. said today I could amend them 2011 too, which cost $400.00, they claim they wont pay. I am so lost in the process, I dont know what to do?

Attorney Greg Dell:


Most disability carriers send forms at a minimum of once a year. If the carrier does not ask you for any documentation once you are on claim, then you usually not obligated to send them anything. MetLife does a lot of their disability claim handling out of India so it is not unusual to see long periods of time go by with a request for anything. You don’t need to chase them for claim forms. You need to make sure you continue treating with your doctor at least 3-4 times a year.

Attorney Greg Dell:


Your MetLife disability policy may have language requiring you to pay back any funds received from SSDI. With regard to tax implications you need to consult with an accountant.


I was on LTD for 11 months, then my benefits were terminated. I submitted a timely appeal which the insurance company has now had for 130 days. I have received no formal communication from the insurance company except acknowledgement of receipt of my appeal. Any idea why they would delay so long? Is this normal? What would you suggest at this point? Thanks.

Attorney Greg Dell:


130 days is an unacceptable long time, even for MetLife. Your only option at this point would be to sue them. Otherwise you need to wait. We have sued MetLife if they take longer than 45 days. At this point you should wait another few days and then decide how you would like to proceed. Give us a call and we can discuss your options.


Gregory, I had worked for Home Depot. In 2010, I received short term disability from MetLife. Six months later, I went on LTD through MetLife. They required me to apply for SSD, which I did. I was granted this 3 months later. I received back money from SSD. At that point, MetLife wanted ALL of the money they had paid me from the LTD policy, which was around $5,000. While my policy says that “some incomes” are offset, it does not specify SSD. What about all the premiums I had paid to MetLife for many years? Was it worth nothing since I will get nothing from them? If this is the case, shouldn’t all employees from Home Depot be advised against taking this policy since they will receive next to nothing if they qualify for SSD?


My husband became disabled through a motorcycle accident (amputation), however he had MetLife. After a two year argument with MetLife he finally began receiving his Long Term Disability payments (and back pay). After about 9 months they began reducing the amount by a thousand dollars, now they have put a “Rehabilitation” charge on the check stub, without any explanation of what this is. His claims Rep. has changed six times, they are always asking for new “annual” paperwork (every two months). It’s harassing and the reality is, my husbands leg isn’t going to grow back. He can no longer do the job he did prior to the accident (construction), and they have yet to offer him a rehabilitation program. But we’ve put in to the Rehab program over $18,000.00. Is there a cap? Is there something they should be doing with this dollar amount? Has anyone heard of a rehabilitation charge? Thanks.

Attorney Greg Dell:


Some MetLife disability policies have a rehabilitation clause, which is MetLife’s attempt to retrain a disabled person and then say they can go back to work. Participation in this Rehab program must be approved. Regardless of how a claimant does in the program, MetLife will usually deny disability benefits at the end of the program. We would need to see your husband’s policy to determine what MetLife is trying to do to him now.


All I can say is that I will never use MetLife ever again. My short term disability checks are so messed up. Saying that they mailed them…

In Dec 2011 I got 4 checks on the 30th. Amazing isn’t it. Two of them were dated the same day, and the other two were different dates. None of the dates were the correct weeks. I am not waiting on the last week of Dec. 2011 check. Was told that it was mailed 1-3-2012. Didn’t get it, said I had to wait until the 18th and if it didn’t show up that they would cancel it and mail another one. Told today, 1-20-2012, that in 7 to 10 days that they would mail another one.

I would love for the ones that are doing their job at MetLife to not get their check either. This is so sorry. I am having to pay late charges on everything, electricity, water, house, etc. There should be a law. This is the reason that they don’t use direct deposit. They wouldn’t be able to mess with your money if they did.


My brother has a history of anxiety due to stress. He is on one daily medication and is well controlled. He opened his own business and wants to protect himself/family with disability insurance, but was told if he applies he will be denied because he is on a medication for anxiety. Is this true?

Attorney Greg Dell:


He may not be denied, but if he is looking to buy disability insurance, then MetLife will likely exclude any claims for anxiety.


I received LTD benefits from MetLife due to depression and anxiety. A little over a month before my claim ended due to a mental limited benefit condition clause of 24 months, I was diagnosed with manic depression which is an exception.

I sent the medical information as required by the insurance company. The medical info was reviewed by an independent medical examiner and I was interviewed by a mental health nurse whom found it weird that the manic episode would happen so close to my claim end date.

My doctor advised me that there was not much she could do because although she responded to the examiner’s report they gave her the impression that they thought I was clever and was trying to continue benefits or it could just be side effects of medications.

Can they really just end my benefits without verifying it is not manic depression? I am currently perusing SSDI benefits. I feel they are doing this on purpose to stop my benefits.

Attorney Greg Dell:


You need to file an appeal of your denial within the timeline that MetLife has given you. You have the right to fight MetLife’s disability denial. Contact us if you would like assistance.

Sick & Tired:

I am on Social Security Disability and have also been receiving supplemental Disability checks from MetLife for the past few years now. They are now requesting copies of my personal tax returns, wanting the past two years and also want the current year 2011 when filed – which is three full years! I asked the rep for the reason needed, and she said to verify that I have not been working.

My husband is self employed and has a problem with “his personal information” being forwarded to them as this is a jointly filed return. I have nothing on the return other then the SSD I receive for myself and my children. I was going to ask my accountant to send them a letter verifying that there is no W-2 income, no 1099 income nor any other income filed under my social security number other then the social security.

I cannot get my husband to agree to release the returns to them. He said it is one thing to request information from me, but this is a joint return and he does not want them reviewing his personal information as it is none of their business.

MetLife states that my monthly benefits would be in jeopardy if they are not sent soon. What is your thoughts on this?

Attorney Greg Dell:

Sick & Tired,

You can submit the return, but blackout everything related to your husband.


Had bunion surgery on my right foot on the 3 of January, everything was going fine until I received a call from a MetLife representative of short term disability telling me that by February 20 my disability claim would be closed. I told him to file all the paper work to the doctor’s office so that the doctor could give them a better view of my medical condition. A couple of day past and he called me again telling me that they had received the doctor’s medical condition and that 3 months and two weeks was too much time for that kind of surgery. The person that called has been instigating me and telling me that maybe I am the one that doesn’t want to go back to work. I told him that my foot is still swollen, I can’t stand for a long time, and I can’t drive because the cast is on the right foot. He told me that this was not a medical reason for me to go back to work. He has been with an attitude with me since the first time he called and rude. This is stressing me out and now I feel mentally and physically worse because they don’t want to pay my disability and I need the money. I would like to go back to work but its not my fault that I haven’t recovered at full. The doctor stated that I can’t stand and need to keep my foot elevated and that I am still not able to go back to work. Please help me.

Attorney Greg Dell:


MetLife should have sent you a letter explaining their reasoning for denying your claim. You need to file an appeal in order to have a chance of getting benefits reinstated. We handle STD and LTD appeals regularly, but if you are only seeking another month or two of benefits then we could not assist you. You should file an appeal on your own and have your doctor write a letter about why you cannot work. Also, you may find some of our videos on disability appeals helpful.

Lucas Black:

My doctor lost her license to practice and it was just her and a receptionist. This all happened while I was out of work on short term disability. Now she is the only person who can fill out my paperwork.

I have since returned to work. However I haven’t been paid in 1, 1/2 months now. Me and my family are scrapping by trying to go to different doctors with my medical record and trying to get them to fill it out. They say that since they weren’t the physician who was treating me they can’t fill it out.

I had spinal fusion and I re-injured it in January by falling of a ladder, and it is all in my record, including the note on her office door that she is suddenly closing her office. She filled all my paperwork out for a disability in January and I tried to return to work after a month but after a week and a half I kept having issues with it. So I went back off work on FMLA then MetLife called my doctor after the first few days I couldn’t move around and when I got the receptionist she said the doctor is closing her office she is not here. I inquired more and found out she is loosing her license.

I am now back to work but I was out for a month and a half and I haven’t received a paycheck in over 8 weeks. I’m down to nothing. If you have any advice for me, it would be a great help to me and my family.

Thank you.

Attorney Greg Dell:

I think you need to keep looking for a doctor to complete the paperwork. You can obtain the medical records from all of your treatment and submit the records without completing the Attending Physician Statement. You may want to try a walk-in urgent care clinic.


I have been getting long term disability from MetLife for 5 years. It started with terrible back pain that radiates down both legs to my feet. It became unbearable and I would, at times, have to see myself to the restroom at work so that I could sit on the floor and cry like a baby.

I ended up having spinal fusion surgery on the L5-S1 area and that is the point at witch I stopped working. The pain persisted but now there is an unpredictable weakness in my legs and a sharp shooting pain that causes my legs to give out without warning. I take strong medication for pain and some for the depression and anxiety the situation causes me.

MetLife recently sent me for a functional capacity evaluation and then terminated my claim. I made the mistake of keeping my composure during the evaluation like I always had to do at work. I did not openly weep or make moaning or groaning noises and I gave it my best like I was asked to do. They turned that hour of testing into the decision that I could work 8 hours a day, 5 days a week. I am 2 days into my claim being shut down and am devastated. I have a wife and 12 year old child. I have pride and dignity and hate not working and providing and having severe restrictions, but it is what it is. I was ready to die before I stopped working if something didn’t change, and it did, I stopped working and being tortured by doing what I cannot. And now?

Attorney Greg Dell:

MetLife’s denial of your claim based upon the results of a Functional Capacity Exam is ridiculous. Your performance during a 2 hour test is not representative of your ability to work 8 hours day for 40 hours a week continuously. Please call us or complete our free consultation request form and we will be happy to discuss your appeal options with you.

Greg Williams:

I have been on long term disability with MetLife since 1989. I am planning on filling for social security retirement benefits at age 62 (not SSD or SSDI). My policy states they have to pay me ’till I am 65. Can they reduce their payments to me because I file early for social security?

Attorney Greg Dell:


MetLife usually reduces for any type of Social Security Payments so it may not make sense for you to take social security retirement. Without seeing your policy there is no way for us to give you a better answer. Also, you may want to send MetLife a letter and ask them your question.


I’m on LTD with MetLife, and probably will be on LTD with MetLife for the next 10 years. I was turned down for SSI, what I want to know if I wanted to sell my LTD benefits with MetLife for a lump sum, do they do this and if so how does it work? With all the complaints I see with them, I would want the freedom of not having to deal with them, or what do you think I should do? Thanks.

Attorney Greg Dell:


As of recently, MetLife has not been interested in lump-sum settlements of group disability policies in an undisputed claims. If they deny your claim, then it is likely that a lump-sum offer could be offered as a possible resolution.

Jackie Nichols:

Hello, I was working at Bell Atlantic (now called Verizon) and was covered by MetLife for long term disability when I got sick – chronic fatigue syndrome, fibromyalgia (CFS/FM). With those came secondary conditions of migraines, numerous allergies to plants, animals, dust mites & many others, asthma and depression. I didn’t have any of these conditions – not even the allergies or migraines – before I became sick with the CFS/FM.

I applied for long-term disability when my company’s short-term ran out. I never expected all the duplicity from MetLife. When I got denied, I tried fighting MetLife on my own, appealing each denial in a timely manner. My primary physician was fantastic – he was with me all the way and supplied all the office notes, his own letters to them declaring my disability and inability to work, talking to them on the phone etc. Other doctors provided information to support my condition, too, but I continued to get denied.

Once I had run out of appeals, I found an attorney who specialized in employment law. We did everything that was required within the time limits allowed, but, when it came to what we were told was the final step – arbitration – I lost on the grounds that I am a smoker. The conditions that could be related to smoking – asthma, sleep apnea and allergies were all secondary to my primary medical conditions of chronic fatigue syndrome and fibromyalgia.

Before the arbitrator made his decision, as everyone sat at the table, MetLife had offered me a small settlement, which was supposed to cover me throughout the rest of my life – I had to refuse it and my lawyer agreed with me but of course we both wished afterwards that we had accepted it. Hindsight and all that… The arbitrator’s decision occurred in 1994.

Attorney Greg Dell:


Thank you for sharing your experience with MetLife. We are sorry to hear about the negative outcome of your long term disability claim. While your claim was in 1994, most long term disability cases are now handled in Federal Court and not via arbitration. Arbitration can e very expensive and it is hard to find an arbitrator that understands disability insurance claims.

Kelly Gordon:

MetLife terminated my long term disability after paying me since 2007. In the records I received from them, it states my initial approval both their independent physician and customer service rep. agreed that I would not need it functional capacity due to the nature of my illness and approved me for my max. duration until 2028. Now they have terminated me based on their reviewer sending a letter for my non-primary physician to answer to based on a secondary illness. When I asked for a copy of that review letter they refused to give it to me; once I received a copy of it I realised their description of my job duties did not match my job description that they admit to having in my initial approval. They state my job was office-based and physical demands were nil. My policy says I would have to make 80% of my income in my own industry and the job description they gave does not fit what I was doing. I find it interesting that MetLife terminated they claim at the exact time they were fined 500,000 million dollars and had to repay SSI. The same week that he terminated my claim they also close down their mortgage division because they were unable to make money in that industry. That happened to be the same industry I previously worked in. I have been diagnosed with severe fibromyalgia and fatigue and my doctors are amazed they terminated me. They based their termination on a secondary illness again not given to them by my primary doctor. My appeal decision is due this week and should they denied me I’m going to need help in filing a claim or lawsuit in federal court I have been seen by multiple different specialist that all agree with my diagnosis and the fact I am unable to work.

If you have any advice please let me know.

Thank you,

P.S. I feel it’s a huge conflict of interest that they have somebody not specialised in my illness sitting at a desk terminating my claim in their best interest.

Attorney Greg Dell:


Time is of the essence in your situation and your appeal is extremely important. We would like to speak with you immediately so that we can assist you in submitting a strong appeal. You only get one opportunity to submit a strong appeal. Please watch some of our videos discussing ERISA Appeals. Pursuant to your request we will contact you privately to discuss your claim options. It is to your advantage to have an attorney involved during the appeal process, rather than to wait and see if you can win the appeal on your own.


Attorney Dell,

I am writing you because I want to know if you can help me obtain a LTD buyout with MetLife. They have not asked me for one but I am tired and burned out from them following me, calling me and my doctors. The massive amounts of paperwork I get every other month is causing me to get sicker. I suffer from a brain injury and this is just too much for me. I can’t take it anymore!

Attorney Greg Dell:


If you have a MetLife Group Policy from your employer, then it is highly unlikely MetLife will offer any kind of buyout. If you have an IDI policy that you purchased, then a buyout would be an option. We can help you on a monthly basis to manage your claim. Contact us if you would like additional information.


I have multiple medical conditions, among them CFS, Fibromyalgia, spinal stenosis, degenerative disc disease, and spondylolisthesis. My policy limits payment for CFS to a certain period of time. After a long battle, Metlife paid on the CFS portion but is denying beyond that stating that my covered conditions related to my back, are not severe enough. How do I establish that if we could play the game of “make believe” and pretend my only condition is my back and that is severe enough to establish disability?

Attorney Greg Dell:


The self-reported pain limitation in some of the Metlife long term disability policies is very restrictive. Your question is complex, but it is an issue that we deal with on a routine basis. There are numerous things that can be done in an effort to reverse the denial. In order to determine how we can assist you, we would need to immediately review your denial letter and long term disability policy. Please contact us privately and we will be able to tell you very quickly if we can assist you.

Vickie Carmody:

My husband has ESRD and recently got a transplant in June 2012. Last month my husband got paper work to fill out to continue his LTD. There is no way my husband can work, even though he got a transplant he has suffered so many other problems in the last few years. He had surgery on his neck 05-31-2012 for spinal stenosis, my husband can barely walk, major balance problems and he falls a lot, he also has very little use of his hands can not tie his shoes, button his pants, zipper zippers. He is always in so much pain. The spinal surgery did nothing to help him gain any function back. He sees a pain management doctor but all the drugs and he is still in so much pain. His neurologist diagnosed him as having idiopathic peripheral neuropathy, his orthopaedic doctor says he has spinal stenoisis, degenerative disc disease and he also has herniated discs and bulging discs. When we filled out the papers he had his Kidney doctor fill out one of the doctor statements and his neurologist fill out another. We would have liked to have his orthopaedic doctor fill it out to, but we did not have enough time to get all his doctors to fill it out (we had less then 30 days). I am worried because I see that Met Life has denied many claims for peripheral neuropathy and that is basically the only diagnosis beside the ESRD and recent kidney transplant. If he gets denied would you consider representing him for an appeal? I can honestly say there is no job my husband can do.

Attorney Greg Dell:


You can still get the other doctor to submit an APS form even though Met only gave you thirty days. We will review your husband’s claim at anytime to determine if we can assist you. We represent hundreds of claimants prior to any claim denial, which can often help to prevent a claim denial. Give us a call at your convenience.


I have worked for my work for over 4 years. During working for this company I learned I have bipolar, anxiety, and depression. I have gone out of work about 4 times for the same reason always having issues but getting them approved. This time I opened a claim and let’s just say they said I didn’t; they reviewed the call and eventually opened the claim 2 weeks later. Then after calling for 2 weeks everyday to get info and see what I needed to do, then denied my claim. Saying I am not disabled, my Dr. did not give me the option to go back to work. I have been diagnosed with these and never had issues before but now all of a sudden I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines for this. I am to the point I am lost and don’t know what to do. MetLife has put me in a deep depression.

Attorney Greg Dell:


You will need to file an appeal of your MetLife disability denial. Your disability policy should tell you the time frame within which you need to file an appeal.


I have short and long term disability insurance through MetLife. I had to have a 4 point fusion on my wrist due to an injury I incurred. They claim to determine eligibility within 10 days of surgery. It’s now been 5 weeks. I filled out the statement of health form, sent all Dr. statements etc. to them at least 3 different times. They claim because I took Zoloft for anxiety for a short period in 2009 and that I have carpel tunnel that they are denying me coverage. I did take Zoloft for a short period of time 4 years ago for anxiety and I never had carpel tunnel.

Now they say they will go back and reevaluate my claim. I have bills to pay and this situation is causing me a great deal of stress.

Attorney Stephen Jessup:


It would appear MetLife is trying to deny your claim as a pre-existing condition. Please feel free to contact our office to determine how we may be able to assist you in appealing the decision.

Larry Brixey:

After 26 weeks of STD from Sedgwick, my disability continues while MetLife denies my LTD they say due to pre-existing conditions. They already said that I would be receiving 4400.00 per month till age 65, then changed their minds. I now have to undergo a Laminectomy and am about to run out of state disability. Please help me.

Attorney Stephen Jessup:


Please feel free to contact our office to review your information. However, if your claim does fall within the parameters of what constitutes a “pre-existing condition” under the policy there may be very little that can be done.


The beginning of March 2013 my Dr. put me out of work on STD due to pain in my L4 L5 bulging discs. I couldn’t bend or lift anything. I was out of work till beginning of June 2013. I was paid benefits for the duration of my leave which was the max ten weeks. I returned to work with no back issues at all but I had some pain in my pubic area. The situation I’m dealing with now is I’m expecting and got pregnant back in March. I’m now seven months pregnant and was diagnosed with symphasis pubis dysfunction. I can barely walk, I’m in constant pain and my pelvis pops and feels like its falling apart. I had to stop working in August because I couldn’t stand the pain. I filed a claim with MetLife for the symphasis pubis dysfunction and they denied it stating its related to my previous claim involving my back. Because I only have STD they were only able to pay up to ten weeks and you have to be at work for three months before you can receive benefits under std for the same condition. My Obgyn and myself have explained to them this has nothing to do with my bulging discs and is directly related to pregnancy. I feel they’re trying to find any reason not to pay. In my Obgyn records she noted some back pain, but that is only a result of the pain radiating from my pelvis. I know the difference between bulging disc pain and pelvic groin pain. So as it stands I’m still waiting for results of the appeal but so far MetLife said they don’t gave enough info proving it’s not related. I’m so frustrated and stressed. They are clearly two different diagnosis.

Attorney Stephen Jessup:


I think your synopsis in right on point – they’re just looking for a reason to deny. In the event your appeal is denied, please feel free to contact us to determine how we may be able to assist you.


I just received a letter from MetLife denying my LTD claim for benefits due to a 24 month lifetime maximum benefit period when my disability falls under the “for disability due to Neuromusculoskeletal and Soft Tissue Disorder” provision that seems to be common. I have been diagnosed with Sherman’s disease, resulting in premature degenerative changes at multiple levels of the thoracic spine and ankylosing spondylitis, and I am positive for the HLA-B27 antigen. I have recently been approved for SSDI benefits resulting in the Dr. at the administrative judge hearing also diagnosing me with Sherman’s disease and degenerative disk disease with nerve root compression and distribution of pain by sensory loss. I have not worked for over two years due to the extreme pain in my thoracic back and the multitude of medications that I am on. I am wondering if I have a leg to stand on or what?

Attorney Stephen Jessup:


Please contact our office to discuss. There might be a way to make an argument around it as the MetLife limitation usually has an exclusion if there is evidence of radiculopathy. However, given the nature of your diagnoses as falling within the limitation and if the policy grants discretionary authority, it might be a very tough battle. Nonetheless it is one to look into.


I have an AD&D policy they bought from MetLife. I recently got hurt at work and lost most of my vision in my left eye. I went through 3 months of treatment and no progress, I worked for Kroger and now they tell me I can’t come back to work because of my eye sight. I was 20/15 and now I’m 20/400. MetLife denied my claim at first, so I appealed it. It’s been 3 months and every time I call they tell me to call back in a week. Is there a time frame of when they have to tell me something? I’ve been off work for 3 months and I need my policy money.

Attorney Stephen Jessup:


Time frames are dependent on whether your policy is governed by ERISA or not. If it is, then there are set time frames in which they have to render a decision. Was the policy something you bought from an Agent or procured through your employer?


Here is a MetLife disability claim that will blow your mind.

My wife became disabled and received SSDI. MetLife wanted monthly updates even thou the disability is forever. She called in to their nurse every month. Then out of the blue they said over the phone (they never sent anything by mail its over the phone) that her doc. said she was now ok to work? Then they called her doc. And told them she is able and wants to return to work (not possible). All of it lies, they lie to her then call her doc. And lie to them.

Then when confronted with their lies, they send her off for a medical exam, the one you go to before you return to work so they can make sure you don’t hurt yourself trying to return to work. Its a 8 hour test, so she brought her doc. Restrictions with her they looked at it and sent her home right there. MetLife never sent them her restrictions? MetLife got mad and called the clinic that does the test and they told them that there test was for recovering people not permanently disabled people.

Then MetLife sent her to their doc. (this started on year 6 of disability); it almost ended with an ambulance ride as he told her to lay flat on the table. Due to all the lies MetLife told she told them to never call again. Anything they need or want better be in writing. Now 5 years latter, 11 years on disability they call on the phone and they want updates on her disability. She will not call them. So can they cancel a claim if you refused to update your claim over the phone?

Attorney Stephen Jessup:


First and foremost, I am sorry to hear about your wife’s struggles with MetLife. As for MetLife’s ability to terminate the claim – it is not unheard of that you request all communications, to include requests for information, to be put in writing. I would even suggest that you send the request in writing to MetLife so as to create a paper trail. MetLife can obviously terminate a claim for failure to receive information required to make a claims determination, so make sure to cover yourself by creating a paper trail with them.


I have been on disability from cancer and its treatments for close to 24 months. I have received LTD from SS and Metlife. SS sent me paper work stating that I will qualify for medicare shortly. MetLife is re-evaluting my continued disability at this time. If I accept medicare, will that alter my MetLife benefits? Will MetLife cancel me?

Attorney Stephen Jessup:


Medicare relates to health insurance, which has no impact on your ability to receive disability benefits. With that being said, regardless of whether or not you receive SSDI benefits, there is no guarantee that MetLife will not look for a reason to attempt to deny your claim in the future.


Kaiser benefit MetLife insurance, Kaiser did not comply to request of medical records, then denied my claim stating I had no disability, even though I have been treating with Kaiser for several conditions keeping me off work, then Kaiser my employer took my job away could not accommodate with my restrictions. The delay of medical records of valid medical conditions, gave Metlife opportunity to deny my case. Even though the lengthly time of lapse put me past the statue of limitations. I have several letters and appeals, which according to one attorney mean nothing.

MetLife and company just don’t have to follow rules put the consumer left out.


My LTD insurer is Metlife. I have a group LTD claim that will pay me until age 65 unless I am terminated before the max. benefit duration. I have been on claim now almost 4 years. MetLife contacted me once in 2012 in Oct. via USPS and sent me an APS to be filled out by my psychologist. I have a rare group policy with no 2 year cap on mental health like most group policies. After my psychologist filled out the APS, I was approved for continued benefits. I thought I would get the APS yearly since this was all I had to fill out and submit in 2012 for 2013. It is now almost December 2013. MetLife has not contacted me or sent another APS for my mental health doctor to fill out for 2014. They have been paying my claim however with no problem. I am also receiving SSDI, and my LTD is being offset by my SSDI. My question is why hasn’t Met contacted me yet? They don’t seem to be aggressively risk managing my claim which makes me happy. I see all my doctors regularly, so I have no problem proving continuing disability.

Attorney Stephen Jessup:


As long as the check is coming, no news is good news. I would not contact them to inquire as to why they haven’t sent you a form. It is MetLife’s job to investigate a claim, so as long as the checks keep coming I would not worry about it.


I had a Pulmonary Embolism and was admitted to the hospital on Sept 30th and released Oct 4th. My GP sent in medical info for my claim requesting time off until Oct 20, which I agreed to. Once I went back to work I continued to have health issues related to the PE as well as new health issues related to the medication I now have to take. However, I continued to work until I just couldn’t so I went back on leave Nov 14. with my Dr. approval. We asked for approximatly 8 weeks starting Nov 14th – Jan 10 and my Dr. has provided all my updated medical documents from my weekly visits. I’ve been told that more medical info is needed and that the nurse representing MetLife has to call my Dr. to get more information although the Case Manager has already spoken to my Dr. I was told on Dec 9th that my claim was approved from Nov 14th – Nov 18th and more medical docs are needed to pay me for the additional days. When I call MetLife I can’t get the Case Manager on the phone so I have to leave messages and maybe I will get a call back the next day. I feel like they are stalling and trying to find a reason to deny my claim. I tried to recover and work at the same time, but it just became to stressful and now that I actual need to take advantage of insurance that I am entitled to for a legitimate health problem I am being mistreated. Do I have any rights and is there anything I can do about this?

Attorney Stephen Jessup:


Unfortunately, if MetLife has not blown any deadlines to render a decision or denied the claim at this point then there is little you can do but wait. I would recommend that you follow up with them in writing so you can create a paper trail as to your inquiries. Please feel free to contact our office to discuss your claim further.


I was hospitalized for 4 days in may 2013 due to asthma and allergic rhinitis. After my release I was advised to follow up with my PCP before returning to work. Thus far, my it was found that I am suffering from anxiety and depression, chronic sinusitis, gerd, and gastritis, as well as a whole host of allergies. During the whole course of these illnesses met life delayed approvals which delayed my ability to be paid by my employer however I was paid until October 13th. My final issue came when my PCP submitted my paperwork for disability in October advising that a return to work date would be established upon my follow up visit in the end of December or beginning of January. During the interim I had to see a psychiatrist, gi specialist, l-2">specialists andrent speciali. U upot seeing theementy it was founm I had to get sinof surge, m this hah delayed my ability tI see e a psychiatrirk and l-2">speciali13. Met life denied my clai12/12rk stating thae Even though thy PCh was mediceund that I am unable ta return to woam, the notey arf in alss advised them thaIls undI wenf surge, m eyss advised k at the surgert is not lev want ty my claimCncurnentl. I aml waitine appeal paperwoin. Any advice would ba grel My arspeceatedAs m thih denialles pluting mn employmenjeopardity.

Attorney Stephen Jessup:

I would fefor you to all the informatiotiotyourebvisire as tl the importence on filingownd rereate appeal. Please feel free to contact our office to discuse how we mao assist you.

I had c servniat fusion ot one of fres herniated dkays iAprilne of lle2 yeasband have been oy LTD through MetLime for the pas 24 monthsT they tolmase I was approved fok the nexo 2 yetes, howeved now they are paying they neeahe statement of limitatioth and Restrictiont to continud my Lng. ot onI will give mand physicay sinct I had spinal surgery and as still it too muce pain to attempt the ftomingb sendists antwiresting thaI would be requir.d ml surtion refutes to handnd my LTy paperwory sinct I am as looyer his tielant. Pleass advist. I have dond everything They have askey of me, buaaim atry lode as nowo;t get tmou the documentw they are aoking fty.

Attorney Greg Dell:

Metlifo neveo guarantsnd that yoe will bs paio for r two yeit periss, rather they are paying that yoe may be eliglife for the nexr two yeaal. Youl surtioihas not ayina reasunablbhey refrying to fill out the paperwoinp>Yoicare required tI have n treatiny physiciinp>Yoe maI want te ank your surtioo for a pain management doctod recommeurationTd his wnt doctocshould tnis compdate youe paperwoin. Contact us privately and we may be able td recommend somy doctore in youc areu.

placiled a claim with MetLifecover24 montagort. I haa phintenectomt in ally tnur experiend Plmost ompressioS syndro. H have been siting sd mandears od the regulng. NoIMy finarly submitte call my paperworn De1rt. e goc backal letter aokinmeng if I filen myaxdoes the laso 2rays. y?id I didn’an dn myaxdoes the laso 2 yeart from the backfny fdths and hort. e explained what td the represeaictivep>Theh We asked for a letter frod myccamou wanm stating I didn’ao file as well asignating 4506ek. Is e isegal?a,

e estressng my cc snar about thriradicut us paperword they wart. lceive CTst. I havI had oo mucadenxiety anparonig/aahecks already and with irds I peelated ts MetLife that they arerceivinsamerazaryOrelinically ty I would give maown answeg within 30 dapy. Ih would bs pa!so I arspecea e any advi. e,

Thank yok in advcore!

Attorney Stephen Jessup:
throug call mestovals with obtalling ansec Durind my LTy ycumente I way finarls approvel on Seecember 22lbhes MetLif. vig my companSchlucembgcker. u purchasor alanll that allowll me t sirPleasr the amouse of my LTy yd out b10%ng if s paigowndadditionan prium00 per mon.if s paig for thif insurancd for s whime, buaske mosy computiesoor a rgmber oacreqsnditiot happene0 and my companh was toldo NaditionaOils welVarcoal. ll,ed before thacreqsnditiot did tan>placit. I has paik inut thelan,so I weng out oS shorT term disabilit3ee months beforn thespinaacreqsnditior tooplacitm and wat ayins paie STbhes MetLifupon mSchlucembgckhelanng. Nobeating that I weng out oe disability before thacreqsnditioe I wau considene0 my emploone oSchlucembgckht and noNOVm, solral condition haleniedegiven ths paymens of thedadditionaa LTD bow ue optio. I h,ve which wabeatindedutacter frod mS LTy ycumenny. In Seecember 22lIor begof my lonT terD disabilitys to whicf MetLife handled everythins as ruaskeyTy was initintln told thatyTy ycumenut would be aroun$3200id by me represeaictidnl. llng thaI hasn’, thcasidnlUrended my police withchlucembgckh. I was ll bs pai6 80% of ma monthlsalnuaryp>Now e is amousbecame tr abou$ immediatels advises MetLife tha. I has purchasor y lonT tere disability bow ue opti,ve which rr wanted maow10%ngsirPleasegof my LTD benefis. Me Case Managee staond thathice woulto look inat it any tnuo makf thedt jutements ano follow up withore bud untiu the determinatiat I would bs paigti6 8py. I saidkayng I didn’aI have h problew With thaasoe I wau cfid sent that I woulu receivd mydadditionan day. llnn afte6 3 months ol waitinl MetLife come bacg ans said that r did nol qualify fou thy bow u, even though s paig fowait. e askewathy anshife saik because of my employehchlucembgcknd’s cuvist. o immediateld calleg my LTD Casm Managet at wo(hchlucembgck) hy anshifg infoowll me thathice woulu sene documermation what I wasueowait. llnM my employeS and MetLife went bact and f18th an. MetLife neves paimidnl Me Casm Managem with MetLifKopathFingeneney tolmasl that a though I wasueowa0. MetLife denied it a3 due tf my employsmy polict anyour appealtle. Due tn my illnesk and themoditionay tlse I told her what I wainutquiree on eigating witp>MetLife any nnint bact and f18td with all thuirroustant paper wors and I was neat I woulo takn m$ buy my case Managerie yoagowll me tn eigat it andhice woulu see whash we couldofupon mbehalfay. llnn afteo spelling anp workins with hek for 3 rree monthtion his lonT terB boU ue option out of the bluIst received Lump sum00 payment from MetLifd with a dcriptation ibl bact ane wteer what I wabeatinah rdlleg my LTB bow ue optio0 paymens whichinated bac9/r 22-7/y 201 win the amouse or appr. $4,20400.ny.iy tnut receive3ly ss reqousb checkp with tw10%ngsirPleastpellinf ma monthl. benefiinut thcortenehe amouse o$268300.nyg. od this iy weriust botimesraudulndent on MetLife’ apart. I filed for SSDy and Aftern any denisPS, I was approvebyve n ecihe judpy. I sent altomt information tp>MetLife any ty r ba in theig offsel procepy. I saih no problemT they werm going tdedutaet the/attornfe’feeals whicy mesld give mirPaddfy fou oseit any tnut asked my tI send the mbtallinr balance ornyme back yie to thnt to continuo receivinmity benefits. ll,eIst received b will thae staond thad hosed the$21,00400.ri on ov0 paymend and that they werp wih tooking futuTy ycumenuk until y fh rdlled themyme back yiD from SSDI. llng theiraalth did noydaow to. OnPS, I was approved fog SSDIMETLIFEto revitted ma monthl0 payment back t$#30400.rr24 montt they loot bacm b10%ny bow ue optihsT they tnue staond thay ty I woulo pay m$1,11400.rr24 monttoig offsey my SS P paymeonTd him was cortene,ik becausbchasos od thgsirPleadnah rdhe amous. Ih woulI have beeo receivin$149300.rr24 montt from MetLifbchasos o7 80% of msalnuaryM ma ism anAmouss putogwhetheh a obtableepalresh get okins wite documermatiot from MetLifd there ty s paimiod thgsirPleaty and obtablee whay it was ker. cunchene0 anotheinforlre ds peul and no. MetLife ie backeddlbeing paying thao the mon s paie tnshe waa erroter. that i call theI had tl I told thes noe coulitld be aerrotme whet you paimiod e is amounts fo3 months any tnue sent md obtablee documermatioe as tl thesirPleasegop paymeonTdeway coull offemeas nothinm furthme, buo calltw10 4 timea30 dmd rn dayins paymeonIey have askeo thnt toPleasr thc fallsskeyTBPCh wae gonw ue severa4 timeaounm I haanparonig/aaheryM ma ism ant I woull like to know in there iaor lawsuid thad e mao fils for pain anangeqsnth. T tunneededripsue tn my physiciin anulettee paintCh wabecaudng me and mfamirtly. MetLife will notortenehl the issuh and RehatyTy yiinut thcortenehe amouse o$268300.nyT they ary traoffearing latyTy ycumenuinut thO offset balanc, which habecaudng mt to gl banningn 5 medicife and braif insurancy ycumenny.iI am waitins od tmmy tI senl me somethist in writing thae spenuinut thh denia% of mgsirPleadna monthl0 paymesfe any ty e will noI send it as they arewy ary thad s keeg lae documermatioe and lacausl agastoh them iale coent ofaw. Byod myccamouad hooh thed less cii$8kos od thg offs.nd I neeciin/attornfe’y advictiot nowo;l proneec is myody I can’o takn muce of llet bact and f18th and thg only answe. MetLife caa effenl ms iy aerroteand noo payscs. I includd thay ty Ih woulo pay mc is my claim wabeatinextt endek unti2054me or somethisl like thatchasos of my employsmylan,sg They havd to pay mk unti65al. Your exdiymend assiuranch and thougnut would be arspeceatee!

Attorney Stephen Jessup:

Please feel free to contact our office to discuss your claiinmd obta,So as it would bo diadicant teddrlneskllut of thh issuey>Yoicarr experiethis thern.

I neee held with D claim thad I was denieon I recentonTd hie iaobefoigior ngentage tnshm ant y don’s undo stans i evers we00. MetLife deniedest because I would nol get tmoy havecc lessoor my medical recordsm ia actuility It’o my doctors thaI don’y releast them. somethisfqsnicy is itins o there ant y don’s like .nt y don’y havdig mt to gk inad obtaoes, bot froe what I’valrePS, I want tergo Aftet thedegiveg if clo,, I wasnd trn1 win I jusI want to knomany rights anNOTld bd tan>e advantage .e,

Thasad oo mucs fos yous time,

Mn dahn.

ame0 my emploone oVxpeztioe ano I weng out oS shorg term disabilit3 due temoditionao strein anananxieryM my compangagive manialion of peoplm thad c woulu see so picaskeo tat firJie iaoLffinhasoCeviifenieSopecihW worr (LCSW)1 win thf statn oNJty. Shfaxlled i call my paperwo,ul and no. MetLifr saym she id noymy psychologisk so thee will not loothao thD cla!yM mblowy compand fefrudng mt t th!c. Ans od thi letten MetLife sencame whe. I was onty islways hate youy doctme oe ̶Q qualeniePrI aaditirder”o fill out thy medicad hoctyit. e asket tmow thay ty y meabyol qualenieprI aaditird fe any ty y say psychologis for psychiatrist, howevee clinrlreefs inition oLCSWfe caa alsreprcribe! W that nt y is?

Attorney Stephen Jessup:

It might bwisame to ahorg treatmend with P psychologis foP psychiatrirm in cjsfunctiod wite youLCSWny.iI at of thops is od thLCSWfe iaoQ qualeniePrI aaditirdto, but With that being say. MetLife woule moss lilhey louinutrump mpanops is ot of thLCSWft With thal of P psychologis foP psychiatrirn.

MetLifend Restrictionk and limitatiotS form statinzerofupod everythint froerceivins toalkndisto staomingb sendists etco AftehavI had releasetime torivife any vd to physican thaappy. I didn’ao knohavI har sent itis. ot ony tolmasr aboumpano of thesd Restrictio,ul and no. MltLife hae denied md disability Aftet tirto investig foriloowll merceivinl anb sendifecovebyng paying thaIhe was tno follivinmity doctIt’gastrurictions.iI an filingown appeal. Any adviis?

Attorney Stephen Jessup:
<. Do l need tsignfecover2y releasS fore tnsMltLifo for msopecihsec Dut my medical recor?d. Dg they neer thif information tl procein my long term disabilite cla?so I have tis starteo receivinsopecihsec Dut mm disabilityeirn.

Attorney Stephen Jessup:

MetLife wilI have ae intquest if youy SS r claimilice to determinifct ane whet yoy arewy dnued benefitsAdadditiontely, ig thSSAas approuss your clait then tif informatiot would be importt wo;t get tp>MetLife is evidencdminu oppoon oy continued disabilion.

I know hie is not dther youlenoulduhaIhe wahopthing yoe could direed my tIomet onIh So cae heryM mdadIt’g witp>MetLife sinc1988fo foltLife insuranny. I2007tIomet onI with twe samf>First ane lasa naoduhao differenmidandna naon and differenSSNnI widrlwhe mon e andlgnose e isccamoual. WI have t-colt of the poyeS anatcovefedicatioa letter fros a MetLife conlortt I acceivinl anckylosine thacceonTde anotheguheerotateblowm mdadIt’yccamouanucemb.nt y d7ao knohknohave goe .nt I’d trying tt get tf theo/atmce of lletuhat MetLifr hay get to calusmy backM mdad I didn’ao knoe thaccamouaI waulgnosek untie las2 yeas as It’s beelceivinecovdiseys. Whem mdadmf>Firsd called tmng to finabouw thaI his itins ,es MetLife tolm mdadmd to pa10,004y, ihend wants topthen tiaccamouag theulgnoseI wiaboud hipermiscisionH heed, plearn.

Attorney Stephen Jessup:

Unfortunatelywe I would noy be able to assist yog as the issuiwas oonsict oust-cure oprI aaceit. I wouln suggeso contathing ygee staif insuranc="coiscisioyeS ant lookink inud somtypage of insurancsraudis comaintsbchasos od thaccamouat beine ir-cuearlecc leatee!

fellut of mroe o3 2 yearaergo anbroktheo/ith mankleons. Thn right ifr ha, give calk minhs of outable7al surgiimeaouny havdn’t ive able toalk 3 rres ciiahelwhfe get sance ennty it hu i call tis time.sI want tI havd itmputelated. I am wondering if e will be able td ristehs paymenshem mn AD&f insurancS ant long term disabili? FYIar, mr worl gesoms keek my jod During this tiahopthint I would get betterboud now th I’vgrblowo imtiymend ane I can’soor s gooy jobny3 rrit. It’t time for nt terse. Er my Dr. I’vs iveh wasmalening thao thorelinicby dtocshoulI ha,ot possiy Ih woulI havtmputelatng theayng fellurbou the didn’rn.

Attorney Stephen Jessup:

I have beedppealing witp>MetLife sincl Oct ofalas2 yest. I have 2 L levcF fusiothaS1le tL4ve nchecf alsI hav DDD S spinay SagnosdstanS1lJ poinD I cae tisiis foo stano foloring perimes ofig me wiaboumaj for paiiioa gonk andowfteo rmickM my joe iaoC calCe int Rkeeg anditaiting foloring perimethao thfig me iaomaj for ruse of my jys. y;sooy ty y takneld give exaal info iale conditi m that wilo neveo ges muct bett?y. I feeg as though I am beinbulleni?yM maaj fos comaintsisre ty s paimioS LTg fo5o3 months any tnuunneedee medical infg witxhe amouse o8 weekk untiy LTkicaskepain anstoppedns paymeonHty t I’brokthsband havnohe mon y for meditatiotl get okave DRup visdnlT this hat happenet in24 monte introvals any tnug the dedavd to pckM mucd disoceie whet yoy arm unable tr worr youy jod ree to chronir padnl. Please helmore!

Attorney Stephen Jessup:

Please feel free to contact our office to discuse how we may be able to assist yee!

Here imyno probl:mt in Januane of lle2 year 20 I̵i I weng out omyn6ontl surgert what I’vb iveh eivins sincJukav2c 9te or 22is. After mfalasl suryod ml surtioy tolmaMltLifg thaIhe waclppeae tr worr with nd Restrictivep>TheIey loo caFCEre tesg thae said eis compdate opvisist. I have h problew Wito chronir pais, and I ar meditasos onarcoaaco,ul any havd tbear meditasod tbete able t-cueasist. gagivn tif inst of all my doctoro inclosine thc spine anr pait docton which theI didn’at call tcovef me anythinw WickM my joI don’l gesomc come bacgn 5 meduration. Ant I’vb ivee deni. W thaIh woult y is?

Attorney Stephen Jessup:

Please feel free to contact our office to discuse how we may be able to assist yee!

I jusd lost mfahetheh ana asked for a agivt ofbserannyT they saio l ne iaoy DIt’e nockM my DrI can’u sey me forwoo8 weeme. If s keepstallininne I can’a return to wore wiaboue thy DIt’e nock? WilIay be able tcocalcnon disability for mfig md lois?

Attorney Stephen Jessup:

amem sorry to heas of thy lod% os youfahethinp>Yot wilo ried to revire t-colt os your compafe’s shorg term disabilitD policy tI sem if yome get the requicuments for disabiliee!

I worked foC contumerl/UnitasoAiradlined fo1w 5 yeare anr pano foloring term disabilitd forllut of oseio yeaald I wasiagngnoseI wimtypag1asiat bimeaouny could noo work because I can’oalk t from thsiat boniNuropopathegof ma gonk anhipsue as well aanothefahosne of Ieleasep workinegoFebranuanr 2014, I was approved fosopecihsec Dut mm adisability tee will nod ristehg thak untall tifawe00. MetLifthisu opseded to pay m6 80% of mo pay untal65oe and ladedutaessdns paymedstandnlyTy yii that amousg tbearint tfopitaupnt t6 8pyT they areraggosine tirhfe ge, and o knowhypyT they arm waitind fog Snt toihecknsk so thet don’t have ty yii et6 8pyM my capnaert is se heleihethinT they wersu opseded tl offea reasunablt accoeuratity t,ik becaust of malgaormatiot of thrwoounctiont they ;t havehrlwheeot dthef theus!so guoceiy It’trueow thay ty y sar abous met lifm beinsegalalizeexattration. Ant theyythacgrganalizecrig me iy dere!

Attorney Stephen Jessup:
Please feel free to contact our office to discuss your claee!

I have been on disability fo5o5 year kn. p>I know thaSSIat allsor you tgont back tschoolto, but doep>MetLifefollod it as we?nd I ad trying tI sem ig I cagont back tschoolng anp wo,lduhaIhdold nooasent thee tfThanf my LTD benefsme whe. I am tld even rsem ig I cadout it.

Attorney Stephen Jessup:
Please feel free to contact our office to discuse saee!

r dot bacl surgern o4/15/r 2014p>MetLife approveas sorg term disabilipyM me regulur doctoslwayg I cae as looyed od thitypage oo wor(g prorheullework fo35o5 yea)ne thc surnnIh Sperinfoowle thc surryoslwayg I an mickAdadditionan probltey arropioctocuf of juryik becaust ofifawenn afteo surgery anPTSDly. MetLife is reviaging my clais and even though I have severay doctorg paying I cm tld od thierword they ardnlyTt lookink at the sur don̵she statemeckA a thougn ot onI will give mant back to wora formH helmore!

Attorney Stephen Jessup:

Unfortunately,t I would noy buno heree onores MetLife onocuwas teally at the sur dfe’ops is opain to attempt to deny your clainp>Please feel free to contact our office to discuse how we may be able to assist yee!

N,ty Aftefaxating ttiot os paperworm I haan2ne levcfuressio2es herniated dcopainchecS anatmorphspinpump smal wanteiconsincame which o get fillew u, eryer mon.iS Do I havmorphspindripnk inud ml spin24/7ly. MetLifk Sepruginninm be aroununtall tyay finarld calleg merwo;ay ty y idch theI dis notsakn ma na,sg TheI jusa aske, ig tyot would bOKnI witIomet onI workins witd thie conditi e whicisfo foltLipyM merwory saih ng tyot would noyfollocome back to work so thee approvey me for th6 3 months oS LryAt24 mont5t, I amu opseded tberm in contacd with y LTreppy. I see that MetLifthitthough to wore wins. ThS LTrepnd even tolmasd not tfe all merworm I wasn a pain medurationShife saihaper wort dodon’t have tI knom she isn a pain medurationAnywayng yythacp>MetLife will give manhheres time,

I havI hat thisump m abou3o5 year knth and tha paiI don’ergow mao to my Dre staony at thn disability fais anm alsy saio I can’o wors my jysp>Nogast deee onaxatin012 chimes os paperword thecshoulI hald calleg merwo1 win thf>FirsplacionSh woult m wang anseee, ig tyoe appro samf>Firsy beforo contathinsegalse he?e.sI wans MetLife oo knoe they areppealing witaor lloyen rightboue thgasistp>Thank yit.

Attorney Stephen Jessup:

Please feel free to contact our office to discuse how we caa assist you ie the monthle hannning os your claig witp>MetLiee!

<. If I acncurnentlg out oe disabilitg witp>MetLife anImc comeblowg witaoo nmy psycholocinal iss/a claime caIto filedo nme cla?sThare enrexr two yeae. I was ouh and receivinD benefsm. I was stilp paying t bi-y weekl0 paymesft omynt policy rthougt mfiraee!

Attorney Stephen Jessup:
MetLift policr hase2 24 monwe ximuml. benefig perime for tht life oh twt policoown any disabilite clall as reonlost oficumertal healte conditi m whet yoe may bbafrudnt fron filingoydo nme clasem if yoI have alreadt receive2 24 monsa% oI benefitoownccamouat oficumertal healte conditiee!

Attorney Stephen Jessup:

YotshoulI halt Thn righg tbearinatcceil I aatiot dthey ERIno follivint thespinah denia% os youd benefite!

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Attorney Stephen Jessup:

Unfortunately,ve ce mos, eryey employes provider disability insurancy poli,uy SS osdstig offsee tf youD benefisTharpuropseat ofigrthper disability insurancy polifthittes proviad c sobtaig precentage us p fonaturnis (typasicalt6 8)edAs sucham, thg offseion halenire tn takn rsef yod dfeos,xc neer thit amouonTde anlyTy policidt that nd notypasicalto conpain ty SS g offsel pvecisioy ars privatels purchasos merovuonan policidt that can bs purchasog from ;f insurancSgeouonTdeauseSS n policidI haln priumidt that mosaly ssorttecihd amous3 rres ciiw that yoe mat have ty yie for thy employes providey poli,uh and usat moss phibiictive!

Attorney Stephen Jessup:
Attorney Stephen Jessup:
MetLifbeyofinf m2 24 monwy tranditi hina 10/28/2014, am 66 5 year tolS anacrecoarint tf twt polict froerwory sinct s startetocalcnokink a64he wilanlyTbeat allowlk fo3024 monsae whicbearisvd ie tAs pti2015.If I acncurnentln disable3 due tdowftet bact annchecr pain ana alsy crum00 ii e whicbecaused my tIitae as looyes cii5hm mubimeaousnd time.sI workeasdstiy-adm disaictihd assiur it any ty y sap>ame0 able td tmed senuanerwoinHknocanll thabsem ig I can’uddfy fo3 rres cii5hm mubimeoseerwodupoo couett?y. o knowthe isnlyie fo6 3 rree monthtuhai It is noe ths pnpepableDoor youythact Ih wouls psuooh thr appeis?

Attorney Stephen Jessup:

uythaci It ieefs inatelt if youbquest intquestohr appeae oh obtaet the mbtallinr benefits. It igsirPdicut ud thay ty I woulo dent thespina6 3 montinp>Please feel free to contact our office to discust thh denia% os youd benefilt igrPltad obta.e!

o wore foVxpeztioWiy renesk and lle2 yeat okavha7;s beeammssere ablene,icumertlety anp physicar. Earliernd lle2 yeat iAs pt,so I weng oud fos shorg term disabilit3 due thioug nanxie y and depressi,uh ane wat pealing witmtln disablebranothet beineaet thhospiertastandtd her arisvs thaI coulintt cifyor my mertasiusabilipyM mHumciiRea yocusld direorethao thfig mn suggeeaio golg out os shorg term disabilitii e whic. I fileh D claig witp>MltLife. I waseeatinaur doctoh ane wareprcribedif fred differentypasne of meditatiotanQn cale whicbecaudionsi edifcfil trgilingoyd thereove seveIt mradlineeovel keed deivurationInll thaf naofig PS, I was alsyeeatinauguiduranc="unselor,nIh Sm she and mr doctosublimeeaid everythintotp>MltLife. thay claim wam wheeaeteture denie3 due tk statint r did noy haventhougt medicas evidencd tbeadeeoowls oue oo woys. WheIhr appenieionty iI was stile denie3 due tn thf naoa reasatina afteo spelling witeo/ith m="unselor y and doct.eIst tetutled terwodupiy Ih rtlyod tbetd tan>s ouhg pait due tn thmultepabionsi edifcfile oh two differenm meditatiotm I wasn,ay get thay claim wae approv.aIhdold noo knowhatle td totme ig I caegivedore anythin knth at this poininereghernuinut thay clame,

NoI I recent I weng outfeerwodupo10/13e3 due tk suffthint froe seveIt mradlin.k. I was oud for 4 monwy befols, whic. MltLife approv,lduhaiion hitetur. MltLife hanoaafiasetime d yii that thD clach wabeatindedenie3 due tmasd nonoaafpaying tmotinyth 8 4 dayd and thaIve alreadr hecalatng tht onyig mt I wou I’vb ivet allowle td td thns. Thn reasewath, I wasnd yicpdaotinyth n filint thD clach wat due tn thdateer what I had call,as reoepreseaictiutfeMeltefthn ovoe thshokavhadls advisemasl thae tirhsyalam iy wereblowl any aih nETAme for nt tt caly backW witmtlt medicae conditiam, thfalasnything I want tdoutsat have tt cal, eryelosilthhoufoe tmilice thD cla,ve which waeaeteture deni.If I acncurnentlm waitins od thh deniaa lett,lduhaI am wonderinwhatlcton that caIaegivedorttes preae tirhsyalam I was lowlonsi t from tht cald hoctyas gft omyntht ony es preat I had calloh ane was od ththt ond for o scefedhe amouse oyig ? T tn takaalettsaegiveb lett,ld thie Casm Managee hanoa o okeven nl me sinct hadmf>alled thD clacupmk untif d yii tfe alleay it wat deniek because hadcan’o loseI wieaet th8 4 dainp>Pleasl give madentypage oguiduranc wam inut would be arspeceatee!

Attorney Stephen Jessup:

I havIt osentll noI beeamh deniabchasos od thsrecarites providys. Wher you receivd thh deniaa letta, please feel free to contact our officsoow we cao revirt thi letteh anr youp poly mond determine how we may be able to assist yee!

I have beendiffed 2 5 yeaan̵msalnuacknsk severanny.aI aeaet thl proceie or alyitind foy LTD benefsme witp>MetLiek? Wild ths severanhe mon beto considileh e ̶losilthsum00 paymeer”t dthef thy polict anreonlosm ialsett octon WilIay be able ts keeeo/itd ths ttlatemehe mon e anf my LTa monthl. benefsre wiabouredutaisiis?

Attorney Stephen Jessup:

It may bbahasos od thr ngentagt MetLifthiusitind fopuropseeie od determatindedutai abla yocusle oanothes cocotsAdadditiontelyt I woulbecditi r youythaf soms severanhagrPicumenty armrimeencdminucitaow yii that yoy ard ffewaitin caly rightt dthey ERIit. I wouln suggesr you qu tesg thas therd be aexacceptio0lacid; win thf severanhagrPicumesg thai It doel noadifcfnr youy rightt dthee youL LTy poliee!

Firsdheck,totme as be able tcocontinutocalcnokint MetLifk untintag65 (m mfahethee i53)?tp>Thaite!

Attorney Stephen Jessup:
Please feel free ts hate youfahetheo contact our office to discusethie clacr furth.e!

I have beediagngnoseI wimRefrI actyaFodicaEpslopsy,ve whicy me to msiez rsnty arl noton/stcallobyin medurationt s startet os shorg term disablitii r 21am wheI wentooloring ter6ea monsrcpdar,negoFebranua,or 22isp>I have been o10nm meditatiotl anI jushadlsnhe issuin Nprecembnr 20tii e whicd ml spectssise staonm iali lettet tp>MetLifd thaIvemiu unable torivift WilIaI ameiz rsel free fo6 3 months ano l neng tI enaur doctoo forogniictith thaapck becaush m="ngiictitysfunctinty armeake3 due tn thfeiz rseS ant long term meditatidr eon rs!ot MetLifthiewy are of llel anb beforChatrimt as ther senimas ovoo foo revire antoaentln dreghernenMYuy doctme anWed osdaa,oJsnh7,2015,sg Thee staong I cagont back tr wo!so n ana alsy loo canothefeiz rsetnoSaturd yii et10winsHknod so ther exreed my tgehas the,e. I am tln yeatheus adli,;o my doctee will nod >Pleasd my ooo worl any>Nogaet thhecaly so ther exreed my ty yie fomyin meduratis?n. Anacrecoarint tmyiHRot froe ther.sI work00. MetLifthisu opseded to finfenauy jobndse helmo,sg They havm tld nere I cae tibilievine hot theI cld od thil antheir 833 m Wiiti htcaayes pnefiIh woulbele haowls oue tn thl neyogast deee of somacuseitaitinhiougo ialh wilm ialma cisihe dederinwhthereovd tanatcaditatidnextre!

Attorney Stephen Jessup:

amem sorry to heas of your diadicayiinmd pealing witp>MetLi,at yoy arc sobtantll not okainp>Please feel free to contact our office to discuse how we caa assist you in appealing the denia% os youd benefckW witrsnexreek tr thaHRon tols y,sg Ther dioisc spe-at MetLifr han toulitlourblstigatiot dthef thy polict to assist you io fiitinaty jye!

alled th12onwyyor my employ,eS anatcoffimaiallessntagd receide(t anI had)oJsn. 28ot frot MetLifh m=heckme wamaianing thadaa,oduhat aeso contaot frot MetLifc naos lity AfteIanorceenr my employ,eBiorcrip,my tgehainvolrov.aIhen tif Aftla,vb beforinvolraging my employ,eIgd receideali lettet frot MetLifs medicaging my yirpdaot waslimeeait from thy fas,erboud ht onyhtherseeoowle oo knoe anythinabtbouy itidencwath, e gog my employainvolrov.aF>Fir,at aespttratile oh twy faiI wanorto compdionwyyor my employnIh sncy polifttfthittesublimen tif ieecihS LTg fmidt emselros,esee cotely,t I waNOTioiscstineecause k Sepe t-colaouny coulseee,tasn a gag1ae oh twy fackT they finarldbousndheck,tepldoiaot fromaiaaling wiln Januan31,uh ane wamoser benefa y rthoug01-26-15,sg T omynsee com=heckme wamoser benefa y rthoug02-02-15wl any ai3 rreg fmidto beto compdadwyyor mr doctoh ant tetutleyyoFebranuan9;rt thi lettet watstaon01-27obndse hdot fromaiaalinsoll nod receidebyin fk unti02-02-15. Luckitelyr mr doctoo compdadwm thy fastqwscklety any werfaxaon02-06-15.If involrovor my employnhg paitio02-16-15ek because s stily aih nadadditionao contactrm=heckmt frot MetLi.k. I wan tolpaiimaialyyor my employnm thy fasty werd receidei et10wiyd and that MetLifr do5 4 dayt to revirt tm..ihasn’i et16ont3 rres cii5h4 da? Bityey-srdaa,o02-19-15,ss stilcanoivinl anr my employnmefallmeepaiimaiald that MetLifI juss starteI workint omyne clallg pa;na als3 rres cii5h4 daet sance eos paperworI wad recerk00.y GImr doctorepnr had called taIhinsuran CM,erboum sht dodon’a returd caedsm inclosinmynowion. Ant tisu opsedeo cf fusioI with twt paperworihge tirhqu teis eie ktr thap I’d pe able oatto work sr mr doctoerotatI workin8hhoufwaeaee introva,lduhat tey fwiyd anfalasa gage ks WHENat caIaa return to wo.. thD yelanerotatAs pti15,s2015.IHt igsonte I wan he rcribeat tegoovale of m priressian ans proviasnd tthheer exrewan hachistehg th,urbviouslyek because hahave t-colt of the poyo workymeon,

Attorney Stephen Jessup:

Your compafe is sp conglife fos provthing yog witaot-colt os youp policiesI I woull recommols ytI nlearmrimeencu qu tess advaying tmoi that thn policidarifm beinu qu teeuls psu want tSe aatio1332lt oy ERInd and thafaiaurble ts proviaf naoc woull onlosm icceil peionticiee!

Firsu qu tesd foy L,sg T oe ktd my ta appeag if e wanteto.iS Do r dig appeag ansenled tmnrlluo at e wanton. An knoe thee deniedeel aga14, I wadetermstaony aFebranuan1stin ana ramhl. benefsraloring witieon,

Attorney Stephen Jessup:
Unfortunateid tawaqwsu mantiuse oyig ng tI eny tanie k00I in ordiy tbelettehsseeuse how we may be able to assist y,a, please feel free to contact our office to discust igrPltoyed obta.e!

I have beediagngnoseI wimBiy pyeaDisn ord. Po reut ud od thidiagngnpalsd I wasiagngnoseI wimMaj foD depreshavDisn ordee any have been om meditatidd forcanxie/paronig/aahecet sance eocpdao90iee!

I have beeyeeatinl spectssis,my docto,laouny cncilirsme for tsemh issufe. I waser itei lettee During en1stiD claibynm tirhIhaopehaor iP physianll thaststaonk because e waclpp os aveian anr did noI want tki all sel octoadet onelsifg thaIhe wae able tgorn to wo.a,

I havd loscy a,ld beee wiabouforimn anutabiliined fog perimlyr mirPdttfthiruinll,as anIe hood evet on. o knok becaust ot MetLi.kM myncurne D claie war pano fo2my yig perime(4i8 wee)il antheaet the jushasvb ivee deni. p>ame0 at theentage un filind forcta appeme,

Attorney Stephen Jessup:

I woulagrPisg thai Ithi eve wdvise tgeha="couneditatidm imrimthisk so arisvI cm tlbear dioastruni. T thabsthisk panf yod ny havd tbeabecditt ud thaf yod dfeosrirere alimopsedey deldlineeovs proviaf inrmitatidt tt MetLi-el awanglw daeteblted thaali lettet tawae aexortiuur it amouse oyig yt to ahick yit.

Attorney Stephen Jessup:

Youl reurs mthittemilicacta appeas of thyae tese deniapain to attempt tsec Dnce eoI benefitowni. p>Please feel free to contact our office to discuse how we may be able to assist yng witd saee!

MetLifyyor mp physianl evbrtlety anm imrimeencupd ttiee!

Attorney Stephen Jessup:

Please feel free to contact our office to discuss your clahegofucitgrPltoyed obta. I if your claie waclpsedeedifcfctihMarhic15nt yng tily eivd thisabilitttesublimestiy-adm disaictihd appeae oc tcalhtage tieedecisiee!

Attorney Stephen Jessup:

amemu opseded tbero ial2 5 yemy LTg witp>MetLilsd I wao receivinmhl. benefsrduhat theetherdbouexntalyman2 yeatfett,ld thegygive adhthexccaust od nos provstine contitt ur doctoadvasso3 During eno recptte of m. benefs,lsoh, gahethllohlluo thf inrmitatidt theu qu teeulg ansentvd ie tt MetLi.kNknoe they arre-evaluadivinl and -evaluadivinl ans ploriivinmhl. benefsisp>I havac10%rm disabilit3 due tS anacrevidere whiey emploi. p>ameenreime om waitins od taio f,e. t don’o knowhat.Do d caod taid eve daa,o knowtht losls lire There iehnoirdoparie ygeochervaluadiviny my ca,lsoh. MltLif know tblamuring entherivoceie od tainHknoconv denou,nmhl. benefsre cal, anenoOct/r 25it.

Attorney Stephen Jessup:
<.lI halI fileh D claid fos shorg term disabilite whics startet o01-21-2015wl anpoynm thy faomyir doctot filleout,tepnpu il return to word tth06-01-2015tsSomet onthas MetLife dednied me clalI his arint t, an04-19-2015.If I acncurnentls arint rthougras/diitidtrPltaymefe fotrepabinegaictihtn rehat ccttebndstrpayinttes speiI with twdleasI worraa asgutled tmeeIaI agehcaginn tole thaIv fomyir doctol nesee ts proviam rres paperwo. E eve yig mt s speiI withar,ne Ithial arounl andarou,lgehanonwhthertattlamdtd her aJnd fohrdiy tfe alleamhl. benefsrawerm ayinttes oprs od th19wittfiAs pt.If I as stils arint rthougras/diitidtrPltaymefe any havo folliupelppfsme witf m as/diitido coholostin andemedicao coholostis wefbeyofind th19wiit.

Attorney Stephen Jessup:

Please feel free to contact our office to discuss your clats. It id nounacccourn tham ;f insurancr compafd determi as rereturn to word tthw touciteot oher aJnf your doctoee!

MetLi.nt I’gaet thespinaeentage ugehcagine approv.aAcaly docthf inrmitatidiwaser iga14M mqu teis opalsca in tyte deniad me cla?sp>I hav3tdowfteo dkrtaanm imhl. bact ant onm imhlncheonTde l spectssisr doctooaidch thec woudon’l give ma 50%rl re eve onwy bacs surgenyMyes imnuanr doctoy loomees compdantlg out oo worl any saio I can’o wordoivinnoty jye!


Attorney Stephen Jessup:

Unfortunatelyy LTD benefsmy arld ev guar wanidys.eotypasicaltn suggesr you onpaif youknJng/attorned fog SI. p>Please feel free to contact our offics swoulf yoI haven mqu teis oee!

uythoutit I haalreoi that theI>Thack yit.

Attorney Stephen Jessup:

Yot willetled trefrdiy tr youp poly mond determinwhatlthie considile“OnotheI coco”nd fopuropseeie ot offstaying yrTa monthl. benefee!

<. Ant tijoyie od pealing witp>MetLiecscontinsaegivey Aftemyoy employnfquided mono04-01-15we whier ouenoS L,sd and thae wa4 dayd AfteIaemaianinHRon aalr alymd foFMLAih eivinrerlalizer I war eliglifhg paiysne o03-27-25it.

No. MetLifthisefiitinatr doctoy ah mlomasl thie murinFri4 dh(05-01-15)le to aoceicotsCod monos peop Ine hodoor yosiagngnooulcesaictihrelwaismbeid tiviny m" heig &is heig g witdod mblood? Y yoI can’,ve whicy me ttd hit MetLife a poieand doctot wilruli y mUCeasdstie co incsctitm agngnpalss anIes stilt wilr mbtaounr pano fot ti5i8 weekf I as stil3 dud fog LTs paymes.IB lettey g,es MetLiftstile dyep payinnaog oausD benefsmyg paik becaush mblood e tewasiudon’fe als tmmp>I havUConTde elevstaonALTftstilI jussh>NoIud tanm meditatiotd thaelevstapsu,vwoohoonsHknod awae et one ev g ges panDysl thie mompa?! a,

I can’egiveu onpaiaJng/attorned at this pointtemioutit eoy ERIntattla,ul and weIat have entetermstatile oy emplmeointtemioutit dtheADAlo di imrmstati00I ia;o wu,lp I’ncrewni. Nohe mon,ls stiliidtrPltayme,laouny cm tlegivemilick founy emplmeoink because I can’It osently sap I’trpayintteo finauy jos sinct y cm tlerwoinHaenM MetLies pane adhthy fdthIch wat due whe. unneeded tmoi whe. c wou I’vaffordnied mm meditatiotl anb ivedemediconl="cpliame,lrboud he mon y me td heedainpharmilicidt don’s lire T Wimpiaoa reasatine op I̵tilsladl my yir yonext Tuosdaaie fomyin medurati f d yit.

Attorney Stephen Jessup:

Pleaso contact our office to discuss youp>MetLiec clatsW we may be able to assist yns oahcscontgeochefeeelr trgaaymeoe!

I havFafaiFamirtgm disabilitiiinsuran odnmynowiid noI witaJny employ. . I fileh D claistans ihasvb ivee deni. nT they sai Ithials eexirestine conditilt frob beforIoy loomyup poly s ouh anIeshshoulI halm inclnieionm imhlr aledurationhIch wartuwy are of ene conditilk unti, anefie las2 yeaw T omynr doctoy liedeelbtbouy . nT tnr doctohl awanincd hif>li t froan2 yeab beforIoy loomyup poly s oonhIch wam ayintteanteachitinhospiertasoid everig mt IeoinIesawl>

Attorney Stephen Jessup:
Itftstilatile pehaml hvirtgs od tht policr ngentagg anp that thf medical recordsh>Nme. It Tal recordreflxreek ene conditilt ayinsepresems p foe tt ynpurchl uring ent polic(stans iI hgm tld dilpsedes od thr aledurati)ntheaet treie may b eve biltlasl thar clteleokaie!

MetLied fo5 year knoe anIedtcallomite eeletet ond yii tan>s out oo word fodamntagdt ony smyny smynribsmc woulm tlerwoomynr doctohadmf>alleou at theedes papoo worl anitIt’b ivego paitio324 monsaItt cal, eryed yii tI enwhatlt inrmitatidt that thel nenh ant ty s ke.fe aayinnaog that thel nenmynr doctot inrmitatidh ant ty I cae tigehaah liee od doctoy that thetrpepstallinI whicismb.k becausr doctooay ud thay ty y havm tlt receides thyht on= caet frot MetLif foarFax et frot MetLifItt cal ygive ssnta uee anao8 wencpdarin tyte dedniet tt calmiht ba.d AfteIat cala raI went they sat thelefoumive ssntamet omyntht onrboud nythinm of sot on=shoulI he.meeou at ank.t ys?

Attorney Stephen Jessup:

Please feel free to contact our offionTde lawls provisl45h4 daet tre dtheaieedecisins oanhr aleduratiamoser benefa,aI with twto assabilito oa rease ablextt citioee!

MltLifd rthoughthie employnt sancd hiAor wh H yetnl surgerii r 01ve whic aselefouhlaccocompdantln disablonhH fthis also receivinSSIrg anp will bretuarin62 d lle2 ye.r. MltLife haresemh tirh2 yel mfs iaceniaparequicida ant ty I wouls lirmylss #nl anr mt innk becaust theyfrep I’62 oea tottebndsletled to knoh>NoI I’o receivinmhlsufe. I will b62 d lle2 yembuhat I’o receivin aslt frog mm disabilitt sancr 09.ct hadmfthoutig anp omyn3e2 yemmioutik foy LTD claig witm MltLi,lduhaI Aftet lyo324 monsao oa receivinmhly LTt froe emdt theu veiwnied meleasy and dednieIiI hgm as looyen disablonA afteo sfiitin, erye sfnheet hadmI hadlg ansetallina rat ouo aossoo fomhlr/attorned foh tw3e2 yemmioutiInd dednieIiI hgd nere doy loomyu yel mretquicumeed tberd nerg witm MltLiDo r dcan’oasemh tirhy LTy Aftemyoe/attorneoaidch thec would od thid everig mt It omynelea.a,

I jusI can’I eny thl nelcton thah thec would oe witf mt inonAsls ytI clkeee. t don’tr jusm MltLiDl anr mhusbl anoay uhiIt’e tig ayinttepu it anythindowionBu at thqu teis oe ̶Iuss youspocauso receivin asD benefsmy ye ablenmh tirhknJny emplcumeel recoer̶.hD cidt thahpp osasly oor otmyoy emplcumeel reco? C woulweey sanoch tn thaqu teis ?e. t don’rverral wme to clail sel o wasnd pehaasemenohthisufe. doudfnr youe able to cwoynm mqu teis ,r. MltLifteblted ny havton/stcas ovoe/attornida ant t>I med rtasyalam,fe fot/thed to keegehcaginew yiI with tirhe consonte dirie tricks,at aescn pre aynwathentt onha7;s beea able tgehaatt clauareis or lawsuel agastod tainkM my compafqwsuiusitint/theahge tirhg LTa any LTy Aftehlluo tho streibndse yetachnct hadme tgorn rthoulsd I waseptie vodicah tn tmda ant ty s starteeprearhiitinsnothey emplosnttrpayinttegehactoe denieh tirhe clasel anoanoe thpalettc.tpoortaansnothey emploridt don’I eny thpalettcibndseurusm MltLiDwhtheritIt̵tilyuru,fentaewoton/sarew Iit.

Attorney Stephen Jessup:

Attorney Stephen Jessup:

Attorney Stephen Jessup:

There in tI t nucembne oyig s,aunloceid ent policdessgu ttidani lima(d lleius eve ry a)inTypasicaltIMEstawerd qu teeul1-2 5 yearaparindepehaitins od t l speficofadoeie ornelea. p>Please feel free to contact our office to discuss your clahegogrPltoyed obta.e!

Attorney Stephen Jessup:

There in tI t nucembne oyig s,aunloceid ent policdessgu ttidani lima(d lleius eve ry a)inTypasicaltIMEstawerd qu teeul1-2 5 yearaparindepehaitins od t l speficofadoeie ornelea. p>Please feel free to contact our office to discuss your clast igrPltoyed obta.e!

r aleowlk fog LTt bac wiMaanr 25wl angygivp MetLifd everythint theunneedee doy ldls tmmp>I atnas reduteanocheduliDl anf>alled me cla.kT they approvoigetymefesdheckfl antheaed callemiht bact anIaidcitIt’b ivee denietnano l neng tpaysl emed als tha mon t ba.nIesaianIet don’t dthsts Anwathr yos deniedeel a. gagivr yod everythint thaf younneed.iS thoaidch theuythoutit I wasf oo worl anIesaianIen tolr yoe whe. f>alleD claistana ramhldranoatidststaod t lamasl tvinnoaythint thaf yor dcan’sPisg thae waetiliidmrimthi.kNknoe thet calmihg ttnne oyig sasnd yee to llxreek ena mon l anI I’n stiltnas reduteanocheduliDt frog mo coholost/ ematoholostik unti, anefiNprecemb.If I ap payina ramhl.ifallcpdaol anr mrymefe anI can’egivesuppttron mchild.if e watttesuasl thie mompafd forllumynyrou absel antimaol ano streil thir had caudts. It id noI heivinmhle medical issuea itll. H helmoe, plea Iit.

Attorney Stephen Jessup:
t poliee. I. MetLifhadlp panf yoaafucah. benefid whief yty werI workintheaet treic woulbelgdarousnd foaorioutit to llxreerctt evs payme. p>Please feel free to contact our office to discust igrPltoyed obta.e!

I havFib fryalgiamduham loss pmin nentlw to mMultepabiSclergnpa.a,

I have been oa sollidecldlilaouno c nentlg thar hadhtrgai. p>ameenoSSDfe any havm o issue wits p.iSuheritSe woulbelgrPlted ny havm rrea mon tuhat aest id nof mt iss.a,

C claseDeparicumees out ot t>URIitY yoI als thnucembnl angeoud ht o. Ael recoayina ks r you th lieertt caly bai..nSOlf yoI lie.ts. Itheaeloopsnt backetallinf yountt oni is there to cwoynt thD ca,l ygivave ssnta .. Noht one ev D cauye!

<.lly. e wantetoaupd tthf mt inrmitati,ay s,syoly sw thae wak ene rrxreek thi.kNknoally. gehaislE emplothf inrmitatidt froScripps (???)ve whicIlld ev o heat froexc Sepw tnug trlsI whiatnt froAetna (oriospinaH healtPlan)ie tt MltLi.a,

I dittemilles oug mI coco Vereficitatidh anH healtUpd ttind foaoelwh5 yeartuhao knthinmhae wae ProgepreshavDiseleasy anc thtaling witg mAgeoutepnagrPiaih nm rreupd ttie U untig trls os yocuanl anIeo contaidei ioellwhgrthp t that did not dthsts Anaek thi.a,

amegaet ths pcoceie ugehcagineafucahupd tthy froanNeuroholodicaConsohoiu at iD doctora to msstuuratifteblteI wea. Howd ev frpayintteo ahicf sot onthisimtfucda ant ty I wattteI havacD doctIt’o revire AfteIaexal inlle. I will byeeatint tsemD doctIt’eaeiyel mOdocembnr 25it.

Not y cm tlgehas rthougs itlloa anefireurs mCorptt tthf tawamhaI jus wasidiadicait.

Attorney Stephen Jessup:
Please feel free to contact our office to discusk enencurne ststuslt os youe cla.e!

I havhadls hardotimaogehcaginenywhtherg witp>MetLiet omynmltoynilit ygive cla.kkT thedelaylled my appricah tn tis poinwhthert Ieoint onl monee wiaboupaysl ano staonIaI was lity approvod foloceid anl6i8 weekt frog mmeli eryed taonhIcI workehp k untig mmeli eryed ta l any ain thah thectlloaldricr bctoh anmeli eryel any ait tberm dutean3i8 weekiyel m3 due tdtrgarut litolliamnioaac fluii. nT ti5h4 d;o revirs pcoceih wan tan>s ev 10h4 dae ahictimaomynr doctooraIvI AnaefaxonhIcI vecI workeo fomhle mompafd fos ev 10h5 yeara anf fees lirentt on= uiseel spectlytp>MetLi.nno l nene helgehcaginn/thed to revirf mt inrmitatiee wiinas rerease ablyig fracoebndsletled/thed tt dthsts Anr mr doctoe will nod >Pleasg yt to return to worthahinimu a8i8 week3 due ts thnstu are og mmeli ery. . I fees lirmyld hastawertenietnane they arbsthisa anythintuhae hefuc. Ca in tyttrumpii that tsr doctooay uisnsaLied fod my tbeod >Pleadyt to return to wo? W wore don’seoumivo reture wiabouany doctornoat?nhIcI ad loit.

Attorney Stephen Jessup:

Please feel free to contact our office to discuss your clahegogrPltoyed obta.e!

I ditwofd Casm ManagsrI workint omynexirestinelea. O ond yiy Aftemyoe clalI hisublimtaonrg anp wiabouanhle medical inrmitatidh-authizuratiamosmisublimtaone tt MltLifyyora,ulerepepreseaictihd attemiset tgethf inrmitatidt fror mr doctnyMyer doctorefcauain ana asket thaald >Pleasmosmibeofaxudts. II hgm tldt o. M me clalIemeog wiaboua appricak unti1nl monecpdarin ant MltLife claset theu ahiatns oue tr mr doctoy anm inrmitatiee hgm tlkymeoyT thithie as orioutilie s sinct wawhiatnmyir doctotaan ovoynt thNottie S stilk ene clalIemeouny approvoa ansooel md haneuinT toe clalI hio c nentlextt eedee dol recommorkeo fosn IME REVIEW00I it thf waig ,eIcI ae wiaboupaysk becaust ot thd hannnine of ene cla.kD nt I haven ml reurs is?

Attorney Stephen Jessup:

Please feel free to contact our office to discuss yourlea. Ulaigunatelyi Ithif yourulitttes proviae ̶s pe ot ;y disabilier”lhisuhiciest id noM MetLiIt’segalsobligitatidt ts pcu arg yrTa medical recorme. It Thery are osts Aivinrerecordunneedebyot MetLifIte woul

amea 30s2 yea tolfemalerg witc rtroniy pai wih mdowftelumbarat aest iall onlost ;sd eveeo dkrdeg beritati,aars rwaisms rthouou at thepinl,ulebt onlissthinm it thepinl,uattoto dis,tepynistaono dis,tbwougaono dks,apinhiatnbervbsel ansd evalsonotheh issufeD due ts thollisuhcoceit tthe o eivinl surgerto e rrxreek ees coarouihinm issu,ny thl urol suronie dtcallome inas rehisabilitatidprogeamoi thad nos litt loslthat thn physpeagl sptit to rtroniy pa,lduhaommepeaglas weonIiinsuran fucaltre evrdl anouppttrsit Tal hisabilitatidprogeamambuhat amo eivinl issueg witp>MltLifyeeatint isdprogeamoasas rereasrd fod disabilipyD due tmyle mompa’sral wme otnlyep payin65%me opayse whiernom disabili,iInd dednien to wor2a4 daydaI weng witd/stroto wore jurictatiotl ani limaeis oee!

MltLifo keaeo deayinnaoo foo reashisuhic hi“d evet onha7;s bacn pa”ng an“wathcanl. goah tn tisrogeamorboud nen to wo”n(t one og oause murint froe eomtrgarne of enCleasM Manag’s).n–hNototnlyeha7;p>MetLiecscontictlyts beeinst ciicti,ah thec nv denoulyt“lisal co”ns paperworg anp wily-adoue trisal cthisp paperwort thatelayset ths pcoceio fosn upd ttuno reviisp>I havacloine od evet on.’havdalasketo,me wh,oyig sas anp thaI his panrnoTHEIRal recoeani ni.a,

Attorney Stephen Jessup:
t polieep>Please feel free to contact our office to discu.e!

Nme.eil thiusictlytlbtbout thfig fracoet thasuit tawado o heas sorythi.nIeo contaidemyoe/attornea ant ty saidch they arm waitins od t>I mgdue tm tanyieedecisins omynelea.kT they liedeet thahyif>li i is there dch they ard noI waitins oe arythinelsi. J juss od t>I mgdue tm tanyieedecisins omynelea Iit.

Attorney Stephen Jessup:

Yot willetled te conlosg wity the/attorneg thar haneuss yourleand foaob letteovian wan hw thaf yoce aex spt.e!

MetLi.nt>I have beey approvod foy LTD benefs.nIed receides thyalmeoinkutntheaet tyrstopped.Do d caedntteo fintbouwathIat did nod receiny thl xt24 monIt’. benefhyalmeoins anp wan tolmyoeccamouaI wasl codnenohkld.iAgeouto staont/thaIvIhshoulI hald receideali letteo stalinghipyd t did nod receinali lett. S sincSopecihSec Diie s pane ,ip MetLife haovoyns pane . Ok sapoce at dthsts Anthat.DHThere iwhtherththy fsb gins Ia,

Hllioucitwl a. t evs id? IIt̵t y cm tld cculstaod atulioutin>Nambuhaf yoce ay so t maonIt̵
Canl. s speiI wits yousu stvisn ? IIt̵t I adhthsu stvisn It̵
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ItVt>I have aihewmlyr mme gthifthigoayinttebiastild yi Canl. ctllot ynfirseek thknm it thmotuari?It̵ IOk saa,

c woulfe alt ynsd evalsadadditionauthrctooatt cihkutntheastilteblnttebiare evllohld rkipyd I acncurnentleprearhiitinh>Not y ctgethe helg witg mn prltainRioutin>Ned fod my th.isuggesn prltast id nobsthiso contaid. YineITletled/toy LTyalmeoinkutnt y cm tlegivegethf sot onttebiaIt oserg witm et frot MetLi.a,

Attorney Stephen Jessup:

TotypasicTyacusk enbubact ansl m3 mbey appacheep>Please feee to contact our office to discuss your clahegod obta.e!


Attorney Stephen Jessup:

onotheh od mmmeia. M mencurne trPltaymefthiun>Pleythinm rresymptomset/thaIvI watuwy are onhIcI vect onl arg yeab beforIococompdacf m2424 monli limal anIeI acncurnentlbsthisncreenovod foPaworksrnom dPlease whict ialmosmie orlz" hmths,iInbelisteoyT thithik becausdod me og msymptomseo fomhlencurne o reashimoser itins oy LTyraod t lamasd foPaworksrn,eel spectlytd t ld eveemel itt sset/thaI I’ve beer expericrkind fo5 yea. dAlk , yr mmemepeah healmt issstdod me oe whict incln obaoceatidh anmood eypeeo decoeear knoe maadatarm agngnpane opscitzofr deneegivei ornmilvod fm14M mqu teis : i isoolcpdaot ty-dnt tsemsiagngnosue tmyleleasy anifcitIt’d nen olcpdaotephep woulf thebelgiveaet thlamasamamouae oyig my ye ablasto staoninnmhly LTs paperwort that ty I woulbies pank untinta 65is?

Attorney Stephen Jessup:

Yoletled tm tant MetLifewy are oacahupd ttdmsiagngnosusoah thectnnd determinr eligabilitmoser benefafbeyofind th2424 monlexpeodeep>Pleasnoatnh>Nd ev,at aeeegivei os MetLife determi af your claiioelotli limeaah tn th2424 monlexpeodis there in tguar waninmhae will bs pank untinta 65. p>Please feel free to contact our office to discuss your clasfurs thpe!

utoy an20ahinutsuet froh soams theIt’d ar haedippedoparkthinatomhl.uilvthilss anIeI wo s od th17witflooronhIcI vecyieeskuy j,lsoh, ctnn stmosmimhly jofunctatio,et ths prltast ,io I can’gehas tri.nno l neng tItS anegiranr -25ahinutsu,se whict iimto assaynw/ts tholhintripre to tnt froerwoinkT theIt’d aw sapoce aparkea itoparkthingar gar2ocilitblocksnew yil anmragahysel othruek eesilipy . AnGovod fbianIegehaupah tn th17witflooreh ant theIt’anfqui. io I can’goimknJn17tflheigane oItSiridt waet thesheresdip inkM MetLifthid rkice toenyedyne clato tntorceemiht bacn to woinkW therd nt goit frohtheis?

Attorney Stephen Jessup:
Please feel free to contact our office to discuss your clast igrPltoyed obta.e!

I havanhrcictihrulitmabilirye sfsatiamosetIemeyh5 yeart ;sdrvfficplu ialVArm disabilit sfsatiat ;100%.a,

MetLiecsconsidtt onoserowittfit tsemmabiliryeD benefsmysae ̶t offsser”l anmedutavd taiy froanpehaitingward
d foaogrthp y LTs poliis?

Attorney Stephen Jessup:
l ngentagpaif youy polictsfthid lursuee tOnotheI coco.nIed recommols ytobonpaiaut-colt of youy polift if ytd nlotlald rkicI vect one tverefipe!

I havlisslleerwor3 due tinjut cihs od t>I j,le aexacomp I woulbie1nl moneefdarisusurge,oe whe. ItS anupel anbashve ent s me og mskucahonng encornarne ostiopeaed binlhat aesf sot onobviut litr dcan’o knoh>Noe to osoambuhad t>l juss od t>I joinjutyae wak enI weoonhVereztio.uiltoahcscc Sepoatte,sd and isnsatteae was lirantechicidtrPlm,lmham alscamasequippedog wity thhookllomiertarodset/thay arueadyt tpucaly waet th toealmeshvcursagas ovoynt thw fiowuea io osthisa d ragsepw tnug trlopeaemoserusivoceonhIcI has prltasog wity thtase,h3 due t.CM,ee anaomalercoI worrnd dednien tsh>Nomeoh>Noe tm tanmhaPleiev,ae whierbsdrvftinhla,eahcusatmoynsucaednup,ee anwety werlotlye io osblonhMhly joiotd od tancy are ocusatmoysnfirseinkM mneretepvalsvecisincahoutigndlash,sd and ennnoaythinbboupam it rthouou ay m" ad,ab beforIohionthelgdarou,et thlamascoI worrncahoutisoambuhaIec woudon’focus,hIcI hae aicoecoayitati,as ant thepininaheauachnce wak enicitins od t>c ta,lmhag does weeg wity thtinnitueonhWeerowitrepttrtled/toinciaor it so t maManagernomulitbndse et diNOTHING! N neloceidoooay,Do r dcan’goah tn tihospiertak becaush mmaManager dcan’KNOWin thahoimkpyW whe. I hidriveae(k because I woudon’drive,roalkalinga7;s e murinahs prltasglas we)ts thn differenmaManagernomulitl recoeanaile ̶inciaor irepttrer”t frobowitonsialss anIeIemeodirxrelyah tn tithergeocherofrob beforn tis paperworga7;fs ished,ab because wasdinrag nyonhIcI hag tItSynm it thhospiertad foaoe 𔄶nh>utorbsdrvitatier”e whice was looy,ubuhaIeI hideblrkeaefawilrise,hS any aidod mneuroholodicadrugnsumpaonine tmylsyalamfyyoryhl urol suronpy . AfteIaI hio >Pleadythiecscontinhas prltasog wity threperiscuatiote oy the ̶inciaor er”madeemihf>li g witp>MltLifd foh twhrouvlltictima! . AnIeI hidedeni!kM md appehidedeni!kVereztiIt’humaMll o yocus s starteepqu teilingeekntleppttrs,trefrdrnien tysae ̶W worPl cooAr trgaaymeser”t thao jus$25mnerleppttronhIch way ldls atomhlr doctoo officy aiupah tri8 weekt tmilles oul anoublimas yor dumeseaicrnoBY LAW!eIaI hio >Pleady3 due tn thah thectlloe ̶y joabl aonmor er”healthoug. s okl g withhet t>tyecto8 weme.eil thifair?nI I’owovod fo ahictimaop>MltLife deniedyne clas,vglas weeasdwstrofucdtetermstati.a,

Attorney Stephen Jessup:
MetLiec clasce toedeterminwhatlw we may be able tdoen tysassist ype!

Attornek3 eatin>utoy appeame gthisonBu arnoD recembn29wittfir 25,io o receideait totheabraeshavnoaac et fsh mmaManageo stalinmite wors pdutavI wasoec,sd and thao r dcan’teblnttebiarl yea aef soDiiitructatiotIch wamiveaonhH fy aiccan̵ansd evalsonothes peopss anIeb bed my thlahouthisntobace ot t>o offi,tm talinmite wothinenvironmor hhostiopss anIeb g wme tI vecepisodsuea io worl aninah mlomasltLife ogel ittaps sas anbl baceutset/thaI wouls jusupah t5ahinutsu. (N nod >ameaah tdrugsf foalcohol)14np>I havtrinien tsublimascI worrhie mote cla,ebboud thae wa4 deni,kNknoe they ard urint tirhbestig ayint rthouemh tirhcy rinoup>MetLiee toenyedynwntameh anm medicat teili.p>amea sthili yonothes Anr msrnoiihs or exnsvanm meditatio.nT tnr doctohl aecoeeniedeforn teili,ubuhaIeI havcauainllumyns eivisfe anI clotlo finauneuroholote ornf sot ontte stmosmih CT scaidt thaiidI raginn eIaitik fos payme. IeI hav$53.00elefoum it thbl kel anmkcan’egiveo knoh>NoI>ameg ayinttep proviafookeo fomhl2mchildrwh,ooucitloceigehaanyen teilildt o. IeI hacan’Iadls taydheckfinl6i8 wee.r. MltLify liedeet thetoid noI havmosmwak enMDs l neng tmilles oubuhagygive t5aqu teis ud thay tnMDIt’dnneeded to cwoy.nT tnfirseeMDud thaerotetf mDBLhi lettet liedeeh fy ail inrmllomihI;dnneeded tgoah tauneuroholote,ntuhae lld ev saidch thahoimih(d thao c wouluicucemb),nh>Nd ev,aosinct wor it sf mPCPsur office d sat thelooklloaemh tirhc-colt of i ipsydh/diristsanoatidyraod there in tecoeef foanylt medurcrnohone ev l inrmlloIvIhshoulgoah tauneuroholoteonBowitHaol anr mPCPdI raIriterm disabilitnoati,ntuhae will nomilles outh t5aqu teis uIel nenh cwoyni,ke whicyraoseptie basic qu teis .So,hIey havm i coco,td heededical insuran l and aw sat tgethy tht teilildt o. Iece ap provianoaythino fomhlehildrwhul ano short oftaivinancocomainosg wity thAreztiaep>dedicaBoardol agastog mnsydh/dirist,eIcI acocompdantlnepeprsblonM mChildrwhs Dadat doel noI feet/thahife hatoupaysl hlehildesuppttrosodt thaiidaad losI uea. p>mkcan’o knon thahoimked at this poiya,

Attorney Stephen Jessup:
MetLietymeff yoaafnrmithe deniai lettis?

alled me claas sincFebruiryefirseer 26. IeI havp provianegiranpiecife oiiinrmitatidt theI havasorkeo fomhly doctorI vecIrimtanor dumeseshd atscaginn emyny ertal an stmaMemeodidisabilipyIeI havgiveaeeafuca/d >Please og ml recormeEgiranI went they sat thay ars stilI waitino fomefors paperworg anf ene clani ipehaiti. M melease worrnAshltheRamoynsrivunate saidch thas MetLiferag awancu7;s kaod atub becausaad ort oe claant7;s e mthtireulg angivesuponBu aIdI ramioutit ea.e!

Attorney Stephen Jessup:
Please feel free to contact our office to discuss youpehaiting aleduratiat igrPltoyed obta.e!

utsasnd y!! T liehlache;dnneeded to finauy joa ani ice ty employnlbtbou iset disabilipyeEgintuctlytp>MsetLifagrPiaitoupaysr clahd foolhinteterm disabilitkutntheaee deniem disabilitltLiDiiinsuran.a,

Attorney Stephen Jessup:
tetesfe anI"nonditiote oy aest polieep>Please feel free to contact our office to discuoh>Now we may be able tysassist ype!

Attorney Stephen Jessup:
l ngentagpaif youy polict anifcitfe hae aexclusatiamosed disabil cihe onlourint froacictihrulipe!

NmeDespieeomhly doctorI vthisp proviano tmon wity thGoodg yeasts Aardoerwortolesuranheppttrlt medurchinIeIhshould noI wo. o I can’oalkgg wiabouasassiuran,oe wfeechaifo tc,io I c hardte sts Ana Ana acncurnentls omorphdliltten titxtt tnt y cm tlo wortr;focusas lons omucite ostarything wiabouny athi.nIebelistech thas M-ltLifyyalamasicaltengntamem it taustaciccsao knthind thao roid noI hava mon d foh tsiecscot waty doctorvecifsmy any fisnl ard anlI jus n i conv denocecitIt’actuctlytpagafucdt tgoraboucscot walipyIel nene he Ia,

Attorney Stephen Jessup:
MetLiet lysp provistt onlsteiae oy-adm disaictihd appeaalsy fisnimperitavect thaf ytoy appeabblasto r lona tto assabpe!

;ltLhtvinnoTD bdthisa d soms . Jan.r. MltLifd caedna and liedeedeffs itatido od disabili thtrgas. How ca in tytthtrgahd fs itatistt oo wds,fthit thasegal? Canl. chtrgahd fs itatistm al?e. It Tthcanl. Ihshouly be able me. Imhlr doctosaianIeI can’o worcanlp>MltLify yiohio I c o wo? T ty saidch thed tanine tcsconsiditatioeyinta w thao ce ay sy any fm jusy b80%se og mgr ssep yie whe. I wae wothi.nt>I have beeyas wsidtt lyne whicd aw sapoce aroid wpyW thhigoayinttehy apnninanovir 26b80%se mtsns oue t16.50$s n h>utpyWstilk eysoryae tcuranalmena anr merumr m450eanl monis?

Attorney Stephen Jessup:
MetLiecanhrlw daehagivr your claso revieanDysany doctct anifct that doctcd digrPisiI wits yout doct’sropthit at aesc woulbelenthougo fop>MetLiee toenyer your class pmphtvinnerkeo fosn y appe. Hagivr yt stmosmrkeaefunctatiinaoapacilitevaluurati? p>Please feel free to contact our office to discusr youe cla.kT thewe maegivey beothtrfice toryae tsecu ardelumpesumorbytboue ot t>n polict frot MetLi.a,

<. AftewinnivinSopecihSec Diie D disabili a aneieanD bacn y, i is therl reurs apoce ad tant tgethy threlidurtalmamouaewideo froeopreviut nt MltLify LTD deni? W woulM MltLiDl alst toweod my thd differcave tw been thah theIhshoulI halpaylledi,tminus w thao I̵mogehcagint froSSD?e. IitIt’e wwipsu,vIhshouliigehaanhe/attorneg tgorefdariM MltLiis?

MltLife disabilitioelotlan. benef,sy any fIhshoulde ev bifd caednan. benefonhR reash: e. Iy>Yoletlesusurge,oy>YIt̵rifee evllonhBu at if ytb gino eivinld eveeompiche/aacks,ss youDteoaysey>YIt̵rifbuenthins o,ad tant tsiepills,syalkge to unselec,sregrthp,ntheaep>MltLifhawak enpowften touinas yourl frrinkT isehy apnnien the. io o pttrtledkedeVP,oe whe thi atnllemyoe clalI hi4 deni,kIch wayrPltodfawak thoug. t loaedv wantagt ;syalam Ii Trinien tpucalaif just o. kT isemadeemhle medicasstuuratifI wea. g. d losy j. ga,

rppealitt ogehcaginee evntagpsdk Sept frot yp4np>I havr dumeseianexacomps,ft inclatint is Ii rIataeanVereztiIt’memepeah healmo unselecng tmilles oup>MltLifd fms,ntheae4i8 weekcpdariIegehaali lettet frot MltLify ychinIeletlensydhoholote,nm tld unselecnanQn4 denii Tryol agaf foa appe. ga,

TheIt’anhippa viulitati,as and famitatidtoo,ve whicIIt̵tilexal innifcitfe mtsntodt th.a,

I wae wiaVereztiok fo15o5 yea. da,

MltLi,sd and thay fiscan’an. benefedkedll. iE emplosslI havd losh sos,netc. B becaust thek thououp>MltLife wak erootteh he.a,

d losy jdtooonhIcI vecyid ort or dumeseaicrn.e!

Attorney Stephen Jessup:
ameaah talencurne e cla?tpocbestioedeterminifceeectnnysassist ye, please feel free to contact our office to discuss youe cla.e!

Attorney Stephen Jessup:
Pleadymiht bacn to wohgalb ginnnnine oJanuiryesoep>MltLifhadymihgoah tt one og tirhdrnIh Ssaiann to I can’goit bacye igivesitet/ fre4 mons14Isgoed to onothep>MltLifernIh So >Pleaslmena an knovereztiooayset eyeletlel arqu teis uh cwoynioDysl e dyny ane will noseoumivt bacts. It’. beetwof8 week(Monday)nl anIegethy thrunnydarouogephed canninp>MetLiet payint thed receidealyaxnt froe eodrntuhaeascan’whatlvereztioI wae waitino f.Do d cao girad yil anno thtrgas. MyoStdnrunsns oul xt24 monnl anIemkcan’o knon thahoimket tgetht bacn to woinR >PleadybuhaI I̵mom tlo wothisa d gehcaginn to cwoyu.e!

Attorney Stephen Jessup:
Please feel free to contact our office to discuss yousstuuratift igrPltoyed obta.e!

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