• Hiring A California Disability Attorney For A Disability Insurance Claim or Denial is Important

MetLife Disability Denial of MetLife Employee Upheld by California Court

MetLife not only denies disability long term disability benefits to one of their own employees, but the court allows them to supplement the record after MetLife fails to respond within the 90 day ERISA appeal time period. The California ERISA disability lawyer that handled this case filed a disability lawsuit after MetLife failed to respond to his client’s ERISA appeal within 90 days. After the lawsuit was filed, MetLife introduced two external file reviews which were completed by doctors hired by MetLife.

MetLife gave the claimant the opportunity to respond to the reports, but the claimant and his disability attorney refused to respond as they believed that the court would not consider the reports. Unfortunately, since the case was subject to a de novo review, the court determined that they would allow the external reports to be considered. The claimant claimed that he was being sandbagged, but the court disagreed. Based upon all of the evidence presented during the appeal and after, the court ruled that MetLife’s decision to deny benefits was correct. The case is being appealed. Read the California Court’s 20 page complete opinion.

Legal Analysis By Cesar Gavidia, A Disability Insurance Lawyer

Had this case been subject to an arbitrary and capricious standard of review, it is likely that the court would not have considered the external reports that were completed after a lawsuit was filed. The disability attorney handling this claim may have been better off responding to the letters and stating that he reserves the right to argue that the letters are not admissible. I hope the Plaintiff wins this case on appeal as the court should not have allowed the additional reports after the 90 day Appeal deadline. If you need assistance with a long term disability claim, contact us for a free phone consultation.

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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, 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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My experience has been very positive since Dell & Schaefer have been handling my case. I have met personally with Mr. Dell who always is available to talk with me and address my concerns and questions, the support staff treat me as if I were a family member, in a caring manner while performing at an outstanding professional manner. I highly recommend this firm, and would gladly speak to any future clients if they have questions.

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