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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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, 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.


Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

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