MetLife is one of the largest disability insurance companies that provides long term and short term disability insurance benefits. Before a claimant applies for disability income benefits, a clear understanding of their policy and the definition of disability in their policy will help guide the way a policy holders applies for disability insurance benefits. Depending on your employer’s plan, the definition of disability will vary. However, all MetLife disability insurance applications will benefit from the below tips.
You must have strong documentation of your medical conditions
Every MetLife disability insurance claim needs to have strong medical documentation. Your treating doctors need to provide strong written proof of your disability to file a claim. MetLife will comb through each page of documentation looking for any reason to deny your claim.
The presentation of your occupational duties is critical for claim approval
Diagnosis doesn’t equal disability. Get the medical records to support the fact that you cannot work. Make sure you have seen the appropriate specialists and have strong documentation as to why you can not perform your job.
Don’t rely on the employer statement provided by MetLife
You know best the material duties and requirements of your job and your medical condition. Always include a complete description of your job and medical condition. Often, Metlife’s forms only provide a few lines to write your job description. As a MetLife policy holder it is in your best interest to describe at length your job description and how your medical condition effects your job.