• Metlife Denial Of Long Term Disability Benefits For Heart Disease Claimant Is Reversed

Metlife Denial of Long Term Disability Benefits For Heart Disease Claimant is Reversed

A California federal court recently reversed Metlife’s denial of long term disability benefits for a claimant with heart disease. Metlife attempted to rely on a ejection fraction rate reading as a basis to deny the claim. The Federal Judge ruled that Metlife abused their discretion and reversed the decision. In this video, we discuss the courts findings and offer some tips as to how to strengthen a cardiac related long term disability claim.

Please contact any of our disability attorneys for a free nationwide consultation and review of your disability policy.

Comments (2)

  • Eleana, that is a very good question that many claimants have. Under most group disability insurance policies, the definition of disability will change after a certain number of months. Typically, this change occurs after 24 months of benefits have been paid. Typically, in order to get benefits for the first 24 months, one has to merely prove that they are “unable to perform the duties of their own occupation.” However, after 24 months, it gets a little bit more complicated as at that time, you now have to prove that you are “unable to perform the duties of any occupation (or any gainful occupation).” Any Occupation is one that takes into account your training, education and experience. And typically there is a earnings requirement of such, which is typically 60% of your prior monthly earnings. Additionally, the insurance companies typically look at “any occupation” to be a sedentary occupation. This change in definition of disability is when most approved claims are denied. And yes, even if you are seeing your doctors every 3 months is no guarantee that your benefits will continue beyond the transition. You must make sure that your medical records and your treating medical providers support the contention that you are disabled under the any occupation standard. Should you wish to discuss this further, we always offer a free consultation. Please contact me at your convenience. Alex

    Alex Palamara Sep 7, 2022  #2

  • What does “transition” to any job mean? Does this mean that your LTD disability benefits continue to be reviewed and you can lose them at any time? What if you are still seeing your doctors every 3 months?

    Eleana B. Sep 6, 2022  #1

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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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