MetLife agrees to overturn its denial of long term disability benefits for Florida Doctor after an ERISA appeal filed by Alex Palamara

A Florida Anesthesiologist contacted our office after being denied long term disability benefits by MetLife. Prior to making a claim for such benefits, our client had worked as an Anesthesiologist since the early 1980’s. Unfortunately for our client, she began suffering from various health conditions which left her unable to engage in her regular occupation. Her conditions included: Left Shoulder Arthritis, Osteoarthritis of the Left Shoulder, AC Joint Arthritis, Left Ulnar Neuropathy, Ulnar Nerve Lesion, Left Wrist Carpal Tunnel Syndrome, Cubital Tunnel Syndrome, Right 5th Finger Phalanx Fracture, Fatigue, Essential Hypertension, Osteopenia, Hypothyroidism, Chronic Migraines, Esophageal Reflux, Vitamin D Deficiency and Hyperlipidemia.

Fortunately for our client, she had purchased a long term disability policy in 1987 for this very situation so that she would be paid a benefit should she be unable to continue working due to disabling medical conditions. Shortly after stopping work in September of 2013, our client made a claim under the aforementioned policy that she had paid premiums on for 26+ years. Unfortunately for our client, after paying benefits for less than one month under a “reservation of rights”, MetLife denied her claim and stated that it had determined that she was able “to perform the duties of your occupation.” As such, MetLife denied her claim and refused to pay any further long term disability benefits.

While dejected due to MetLife’s obvious incorrect determination, our client realized that MetLife’s decision was incorrect and something had to be done about it. Within days of receiving the June 27, 2014 denial letter, the Florida Anesthesiologist found Attorney Alexander Palamara to assist her with her claim for long term disability benefits.

Alexander Palamara of Dell & Schaefer Gets Involved

Attorney Palamara quickly reviewed the denial letter and relevant medical records provided from his now client. After this review, it was obvious that MetLife’s decision was blatantly wrong and that the Florida Anesthesiologist should be on claim receiving long term disability benefits.

Review of the Claim and the Filing of the Administrative Appeal

After receiving and reviewing all the files from MetLife and all relevant medical records from the client’s treating physicians, Attorney Palamara could see that the in-house internal reviews MetLife relied upon were biased to the point of having no reliability whatsoever. An appeal was quickly filed that both challenge MetLife’s internal reviews and focused on the objective medical evidence that easily proved that our client could not, in no way, shape or form, perform the duties of her own occupation.

MetLife Overturns Its Incorrect Decision

By way of a letter dated August 3, 2015, we received word that MetLife had completed its review of our client’s appeal for Individual Disability Benefits. MetLife informed us that it now found that our client’s “claim of Total Disability beginning September 13, 2013 to be supported at this time.” As such, our client will now thus be paid her rightfully owed long term disability benefits and MetLife will be paying all past due benefits previously owed.

While we are so happy for this fantastic outcome, our client knows that the fight continues. Fortunately, our client rests assured because she knows that Attorney Palamara and Dell & Schaefer will continue to do whatever it takes to see that she remains on claim until she is able and ready to return to work or until her policy expires.

If you have been denied disability benefits by MetLife or any other disability insurance company, please do not hesitate to contact Attorney Alexander Palamara at Dell & Schafer for a free consultation.

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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.

Dell & Schaefer Client Reviews   *****

Zane M.

Since day one I continue to have a very positive experience working with the Dell & Schaefer Law Firm. I am especially grateful to attorney Stephen Jessup who was assigned to my case in early 2010. Steven Jessup and Anneli (Registered Paralegal) are always available and very professional in managing my case in a timely manner. Steven explained the entire (LTD) process to me from day one when I became disabled and unable to work due to my disabilities and had my case approved very quick working with my LTD carrier. My health has worsened since then with a life threatening disease and several surgeries / conditions later. He always answers all of my questions in a timely manner and always has a positive outcome for me. I feel highly represented & grateful with Steve as my LTD attorney which enables me to take care of my health to the best of my abilities without worries.

Steve, I sincerely appreciate all you and Dell & Schaefer have accomplished for me from day one in representing me regarding my case in a very quick and timely manner. I would “most definitely recommend” Attorneys Dell & Schaefer to anyone in dire need of the best in legal representation & counseling in short & long term disability cases.”

God bless to you Steven, Anneli, Greg and all of the Dell & Schaefer Law Firm!

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