• How To Apply For MetLife Short & Long Term Disability  Insurance Benefits

How To Get Approved for MetLife Disability Insurance Benefits (w/video)

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 

how to get approved for Metlife disability insurance benefits

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.

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Questions About Hiring Us

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.

Dell & Schaefer Client Reviews   *****

J.P., ESQ.

Dell & Schaefer saved my life. After receiving disability payments from CIGNA for 10 years, CIGNA decided that their initial determination had been in error. This was based on an evaluation of the file – with no personal interview of any kind – from a psychiatrist who new less about bipolar disease than I do.

With a wife and four children to provide for, I was distraught. Dell & Schaefer took charge of the mater. Although no lawyer can guarantee an outcome, as a former attorney I was very impressed with their professionalism and efficiency. On a personal level, they were very reassuring. They understood the embarrassment that comes from disclosing a mental disease, and dealt with me with courtesy and encouragement.

We prevailed over CIGNA, and I continued to have financial security until my benefits were paid in full.

I would recommend Dell & Schaefer, without reservation, to anyone who has to go up against the insurance giants.

***** 5 stars based on 202 reviews

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