Chiropractor Obtains Lump-Sum Disability Insurance Settlement Despite Wrong Date of Disability

Caution, the timing of a disability claim can mean the difference between having your claim approved or denied. Far too many times I have seen disability insurance claims denied because the claimant either failed to promptly file their disability claim, mistakenly adopted the date which the insurance company claimed their disability began or state an inaccurate date of disability on the initial application for benefits. The claimant’s date of disability is crucial in determining: 1) what the claimant’s “Own” or “Regular” Occupation is; 2) how long the claim could be paid; and 3) if the claim will be paid.

When The Claimant Purchased His Disability Policy He Was Gainfully Employed As A Chiropractor

Our client, Dr. Z, had attended college and trained to become a chiropractor. When he purchased his individual disability insurance policy with Metropolitan Life Insurance Company (“MetLife”), he had recently begun working as a chiropractor and his duties consisted of performing manual chiropractic adjustments on patients. Dr. Z soon successfully grew his practice and was operating 4 different chiropractic offices.

Generally, the definition of “own/regular occupation” in an individual long-term disability policy (Non-ERISA) means the usual occupation (or occupations, if more than one) in which you are Gainfully Employed at the time that you become disabled. This means that the disability insurance coverage should follow you from occupation to occupation, and will not be limited to only covering the occupation that the insured is performing at the time that the disability insurance policy is purchased.

Metlife Denies Disability Claim Of Chiropractor Due To Change In Occupation Prior To Date Of Disability

Dr. Z began experiencing bilateral pain in his knees and feet, and would experience difficulty walking. It was discovered that Dr. Z suffered from complex regional pain syndrome. He continued working in his practice, but was eventually forced to close most of his offices due to the pain and discomfort he experienced especially when treating patients. At around this time, Dr. Z also began teaching part-time for a local university and working as a Residual Functional Capacity/Vocational Specialist for the Social Security Administration. Dr. Z also notified MetLife that he had become disabled from performing his duties as a chiropractor, however, on his application for disability benefits he provided MetLife with a date of disability which followed the date that he began working for the university and the social security administration.

MetLife had Dr. Z’s claim reviewed by a physician consultant who determined that Dr. Z would indeed have restrictions and limitations from running, jump, climbing stairs, standing, stooping and kneeling, and perhaps even performing the duties of a chiropractor. However, MetLife determined that although Dr. Z had these restrictions and limitations, he was not disabled under the terms of the policy since he was continuing to work and could work in his teaching and vocational consultant positions. Dr. Z was shocked and could not believe that his claim was denied, as it was his belief that he should be paid since he could no longer perform his regular occupation as a chiropractor.

Dell & Schaefer argues that Dr. Z’s regular occupation was his occupation as a chiropractor, the usual occupation (or occupations, if more than one) in which he was Gainfully Employed at the time that he become disabled.

Following his denial of disability benefits, Dr. Z consulted and retained Cesar Gavidia and Dell and Schaefer to represent him in his disability claim with MetLife. Following several meetings, a review of the claim documents, medical records, and financial records for Dr. Z’s chiropractic practice, it was determined that Dr. Z had chosen an incorrect date of disability. Dr. Z had assumed that his date of disability was the date he completely discontinued seeing patients, when, in fact, his date of disability should have been stated as being even earlier – when he began reducing his patient volume and duties, and before he began working as a vocational consultant and teacher. MetLife was notified of the incorrect date of disability, but they were not willing to change their determination.

MetLife was provided with the opportunity to correct Dr. Z’s date of disability and pay his disability claim; however, it continued to deny that he was eligible for disability benefits. Following several weeks of negotiations, which included threat of suit by Dr. Z, attorney Gavidia negotiated a confidential settlement between Dr. Z and MetLife.

Dr. Z’s case is a perfect example of why the timing of a disability claim and the actual date the insured claims disability are so important. In Dr. Z’s case, claiming total disability 12 months earlier meant the difference of thousands of dollars, and the difference between his claim being approved or denied. As in Dr. Z’s case, most disability policies state that the claimant is disabled from the occupation or occupations that they are performing at the time that disability begins. It is important to carefully analyze how and when the claimant’s disability began affecting their ability to work and generate income.

Contact us for a free consultation to discuss how we can assist you with your disability insurance claim. For more Metlife disability cases and user reviews please click here.

Questions About Hiring Us

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, 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   *****

Shawn C. DDS

After developing a debilitating disorder which left me unable to perform my duties as a dentist I had to begin the process of filing a disability claim. I managed to secure two of the policies on my own but the group policy I had with Sunlife kept giving me the run around refusing to pay out. I soon realized I needed to find a disability attorney and that the insurance companies did not have my best interests.

After talking with a few different firms I decided to go with Dell & Schaefer. From the start the secretaries, record keeping, and Attorney Greg worked diligently on my case and within a few weeks we got a letter that the claim would be paid. I soon realized that this was one of the best decisions I had ever made.

Since hiring Attorney Dell almost 4 years ago things have run very smooth. He is thorough and very good at getting things accomplished in a professional and timely manner. He is a pleasure to speak to and always makes time for his clients. The staff has been very helpful and always willing to answer any questions.

When companies want to meet with me, Attorney Dell takes care of setting it up and makes sure that I always have some form of representation whether via phone or in person. I do not have a bad thing to say about this firm. They allowed my family and I to not have to worry about financial stress while going through this difficult time in our lives.

Thank you Greg, Anneli, Carolyn, and the rest of the team for being there for us. They are the best at what they do!

***** 5 stars based on 202 reviews

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