After Long Fight for Short Term Disability Benefits, MetLife Has Now Approved Dell & Schaefer Client for Long Term Disability Benefits

Our client previously worked as a Contracts Officer for the Miami Dade County School District. As a County Employee, our client was covered under both a Short Term Disability Policy and a Long Term Disability Policy that provided disability benefits if the client was unable to work at her own occupation. Unfortunately for our client, she was forced to apply for such benefits in September of 2012 as she suffered from Relapsing and Remitting Multiple Sclerosis among other associated and unassociated conditions.

Unfortunately for our client, MetLife denied our client’s claim from the beginning. In its first denial letter of December 14, 2012, MetLife acknowledged her condition but stated that the “medical documentation received in support of (her) claim does not demonstrate how (she is) precluded from performing the essential functions of (her) occupation as a Contracts Officer.” With the help of Attorney Alexander Palamara of Dell & Schaefer, an administrative appeal challenging MetLife’s initial determination was timely filed.

Partial Approval for Short Term Disability Benefits

After the filing of the administrative appeal challenging MetLife’s decision to deny our client’s claim, MetLife only decided to find our client disabled from September 10, 2012 through December 28, 2012. Therefore MetLife upheld its decision to deny benefits from December 28, 2013 through March 25, 2013, the end of the Short Term Disability time period. In support of that decision, MetLife relied upon an “independent” paper review and an internal review to conclude that “there was no clinical evidence substantiating a continuous impairment that would have precluded (our client’s) ability to perform her occupation beyond December 28, 2012 through March 25, 2013.” Thus MetLife was concluding that our client’s Multiple Sclerosis only limited her for a few months and that she was able to return to work full time as a Contracts Officer. We disagreed with this assessment and filed an additional appeal.

Social Security Administration Approves Client for SSDI Benefits

In addition to our arguments and contentions that our client was unable to perform her duties of her occupation, the Social Security Administration agreed when it approved our client’s claim for Social Security Disability Income Benefits. Additionally, a Functional Capacity Evaluation was also very supportive of our client’s claims, as well as overwhelming support of her treating physicians.

Decision to Deny Finally Overturned by MetLife

After two appeals and thousands of pages of medical records, MetLife finally agreed that our client was disabled for the full time period of the Short Term Disability Claim from September 2012 until March 24, 2013. The Full Benefit for STD was eventually paid in early December 2014, a little over 20 months after it should have been paid.

After the STD claim was approved, Attorney Alexander Palamara of Dell & Schaefer again reiterated his request that MetLife review and approve his client’s claim for Long Term Disability (LTD) Benefits. By way of a letter dated December 19, 2014, MetLife finally saw the errors of its ways and approved our client’s claim for LTD benefits and mailed a big check in late December 2014. Although our client is relieved to have finally been approved for LTD benefits and she is excited to receive the benefit check, it unfortunately took over 2 years for MetLife to see the Light. The undue stress and monetary strain has taken a toll on our client. Such stress has only increased her symptoms and flareups of her disease. The client can, however, be reassured that the Attorneys at Dell & Schaefer will continue to fight MetLife so that she can rest assured that her claim will continue.

If you have been denied Short Term or Long Term Disability Benefits by MetLife or any other insurance provider, please do not hesitate to contact the Attorneys at Dell & Schafer for a free consultation.

To read about other Metlife disability claims, please click here.

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FAQ

Do you help MetLife claimants nationwide?

We represent MetLife clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a MetLife disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from MetLife. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by MetLife.

How do you help MetLife claimants?

Our lawyers help individuals that have either purchased a MetLife long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with MetLife:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Brad H., MD

“Invaluabe!” Without the experience and expertise, not only would my disability benefits been delayed but the difficulties navigating the continued process would have caused additional delays. Dell & Schaefer has proven to me the importance and value, beyond a shadow of doubt, of an experienced, qualified and meticulous legal representation such as that provided by Dell & Schaefer.

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