Metlife Admits Decision To Deny Ltd Benefits To Claimant With Chronic Fatigue Due To Congestive Heart Failure Was Wrong

MetLife terminated our client’s LTD benefits even after receiving a neuropsychological report documenting deficiencies in her executive level functioning. According to the neuropsychologist, the claimant was not capable of performing the duties of her occupation as a Bank Examiner for the FDIC as a result of her cognitive deficiencies, fatigue, depression and anxiety.

MetLife Ignored Neuropsychological Evaluation Demonstrating Cognitive Impairments

Our client is a 49 year-old woman who suffered from breast cancer in 2009 and was diagnosed with congestive heart failure and Epstein Barr-Syndrome in 2011. After returning to work in June of 2011 she noted problems with attention, focus and memory finding herself unable to compose letters and not being able to complete tasks within a specific time frame. She received several poor work performance reviews and went out on LTD in November of 2011. She wakes at irregular hours, spends most of her day attending doctor’s appointments. The neuropsychologist found subtle cognitive inefficiency of executive functioning, selective attention, visual motor integrity, and nondominant hand dysfunction which were likely related to her cardiovascular difficulties relating to an anoxic/hypoxic episode. The neuropsychological report was provided to MetLife is support of our client’s disability claim.

MetLife Ignores Own Hired Physician’s Opinions

MetLife hired a neuropsychologist to perform a paper review of our client’s records. The neuropsychologist rendered the opinion that our client would have difficulty with attention and energy due to depression and would have difficulty with intellectual complex tasks and maintaining a normal work pace. MetLife ignored its own hired doctor’s opinions, failed to consider the medical evidence supporting our client’s disability which included hundreds of pages of medical records, medical opinions and a neuropsychological report stating she was disabled incapable of working in her occupation. MetLife also ignored her complex job description, claiming she could go back to work in a light duty occupation.

After reviewing the objective evidence provided by attorney Rachel Alters of Dell & Schaefer, in support of our client’s disability, MetLife reversed its decision to terminate the LTD benefits of our client and put her back on claim. Dell & Schaefer will continue to represent her in order to help ensure she remains on claim throughout her disability.

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.

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