Former financial trader files lawsuit against Connecticut General Life Insurance (MetLife) seeking lifetime long-term disability benefits

Attorneys Dell & Schaefer has filed a long-term disability breach of contract lawsuit in federal court against Conneticut General Life Insurance Company (“Connecticut General”) seeking lifetime disability benefits. Our client, a former floor trader on the American Stock Exchange, was disabled due to bipolar disorder, a sickness, from March 1995 until April 2006. In 2004, while our client was totally disabled due to his bipolar disorder, he suffered a hernia injury while carrying a television to his car. Our client ‘s disability policy has been administered by MetLife insurance company, which means that MetLife made the decision to deny his benefits as of age 65.

In the days and weeks that followed our client’s hernia injury, our client underwent horrific pain and discomfort, ultimately leading him to have surgery to repair the hernia. After an initial surgery which failed to repair the hernia, he underwent a second surgery with doctors in New York City, and then a third, none of which ever relieved all of his pain and discomfort. Our client’s Connecticut General long-term disability policy provided that benefits would be paid to either age 65 for sickness or lifetime for a disability resulting from an accidental bodily injury. MetLife has taken the position that our client is disabled by a sickness and therefore only entitled to benefits until age 65.

In October 2004, our client notified MetLife of his disability resulting from a right inguinal hernia and provided more than sufficient proof to MetLife that he could not perform his former duties as a floor trader on the floor of the American Stock Exchange due to his accidental hernia injury. Despite the abundance of medical evidence supporting his disability claim, and the clear and convincing evidence that his hernia injury resulted from an accident, MetLife was no convince that his hernia was caused by an accidental injury.

Our client initially sought the assistance of an attorney whose practice did not focus in disability insurance. The previous attorney assisted our client with the filing of a civil remedy notice of insurer violation with the State of Florida Department of Financial Services but ultimately advised that she could not litigate against insurance companies the likes of MetLife or Connecticut General. Attorneys Dell & Schaefer have filed a lawsuit and we will have the burden of proving that our client’s hernia was caused by an accidental injury resulting in total disability. If successful, our client, a 61 year old, will continue to be eligible for benefits for the rest of his life.

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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.

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Being disabled is difficult on many levels so the importance – and peace of mind – that comes with having advocates and advisers who not only provide legal expertise and assistance but also genuine care and support is quite literally invaluable. Having attorney Rachel Alters and her paralegal Anneli DeCardenas to help deal with complicated insurance issues has been a true blessing that has made this unfortunate period of my life so, so much easier.

They are not only experienced, talented and incredibly responsive professionals but they have always made me feel like a person who matters and not just a client to be dealt with as part of a daily to-do check list. I’m not someone who usually provides references but I really can’t say enough to express just how wonderful these two incredible women are or how grateful I am that they are on my side.

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