Disability Company Medical File Reviews By Hired Gun Doctors Are A Sham
Are All Medical File Reviews By Disability Insurance Companies a Sham?
Not every medical file review by a disability insurance company is sham, because there are rare occasions when the disability company actually hires a legitimate doctor to review your disability claim.
In this video, disability insurance lawyers Alex Palamara and Gregory Dell discuss medical file reviews conducted by insurance companies and their experience in challenging these medical reviews. If you have any questions about your STD or LTD claim, please contact any of our disability insurance attorneys for a free consultation.
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There are 5 comments
To Attorney Stephen Jessup re: Henry’s question above: I believe he has gone from STD to LTD and that is why they changed companies.
MarieJan 30, 2018 #5
Nikki, if your claim has been closed/denied MetLife will have to send a formal denial letter detailing the reasons why. It may be in your best interest to contact them to get clarification. If you have received a denial letter please feel free to contact our office to discuss how we may be able to assist you.
Stephen JessupMay 23, 2017 #4
I have been awarded a lump-sum Workers Compensation Settlement when I separated from my company after 22yrs.. I am receiving LTD from MetLife. They say I must give the mseveral thousand dollars from this as an offset. I am being phoned by a recovery company. I spoke to the company once without committing either way to paying or not paying them the money. MetLife sent a letter which states “benefits are reduced for periodic benefits for loss of time due to a work-related injury or illness or by reason of any Worker’s Compensation, occupational disease law or other similar law. It was my prior impression this referred to when I was receiving (as I had during my first absence due to this same injury prior to separation from the company before returning to work for 1 1/2yrs) the monthly disability checks from my companies wc insurance company. MetLife said they will deduct $200 per month from my check of $1658.30. They are also doing another evaluation only 7 months after doing a 2nd level denial appeal which I won. This after i received a phone msg from my adjuster saying it would b about a year. Interesting timing. The paperwork was a day late. it is postmarked 4 days before the cutoff date. I wasn’t very concerned about the close timing because MetLife never has before. So they closed my case. It said they do not have to reopen it. They received the info. Now someone has phoned me. Am I required to have a verbal discussion when I have provided documentation from 4 Doctor’s? Thank You
NikkiMay 22, 2017 #3
Henry, if you have been on disability for a period of time your claim should not change to another insurance carrier, as the company that was responsible for paying benefits would remain responsible regardless if your employer changed carriers.
Stephen JessupMay 2, 2017 #2
To whom this may concern I am on disability and have been for sometime now. However my employer have switch my calm over to Liberty insurance. My understanding is that once you have been on disability for sometime they have the power to do this. The insurance company wants me to give them authorization to pull my medical records which I have no problem but I have an understanding that if I give them authorization they can pull more than my medical records is this true. The doctors that I am seeing say that I am in need of surgery to my lower back.
Henry W.Apr 30, 2017 #1
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.
Two days before Christmas, I received a call from MetLife Insurance. The woman stated to me, that my disability insurance, that I paid premiums 11 years through my employer was ending. She stated to me that the decision was for me to return to work. I was so upset and throughout the holidays, I spent crying. I knew I had been found disabled by the SSDI and I am in no way able to return to work. I also knew what a strain this would be on my husband, my losing the benefits per month. We were struggling trying to get used to me drawing SSDI and not my normal salary as it was. I contacted Dell & Schaefer by email and by phone and I spoke with Attorney Alexander Palamara with Dell & Schaefer. He advised to fax all documentation I had, and they would set up a conference call. After a conference call was held I decided to hire Alex and sent him back a signed contract. All done over the phone and fax!
My appeal was submitted timely and after a small delay with Metlife, I received word that my benefits have been reinstated! I have Mr. Palamara and his assistant Ms. Danielle Lauria to THANK for the quick, timely and efficient way, in which they handled my appeal.
I can’t thank Dell & Schaefer & their Associates enough. Maybe now, we will get our lives back to some normalcy. I am so glad I found their website and all the reviews I read were wonderful, that is the reason I chose Dell & Schaefer.