After Long Fight for Short Term Disability Benefits, MetLife Has Now Approved Dell Disability Lawyers Client for Long Term Disability Benefits
Our client previously worked as a Contracts Officer for the Miami Dade County School District. As a County Employee, our client was covered under both a Short Term Disability Policy and a Long Term Disability Policy that provided disability benefits if the client was unable to work at her own occupation. Unfortunately for our client, she was forced to apply for such benefits in September of 2012 as she suffered from Relapsing and Remitting Multiple Sclerosis among other associated and unassociated conditions.
Unfortunately for our client, MetLife denied our client’s claim from the beginning. In its first denial letter of December 14, 2012, MetLife acknowledged her condition but stated that the “medical documentation received in support of (her) claim does not demonstrate how (she is) precluded from performing the essential functions of (her) occupation as a Contracts Officer.” With the help of Attorney Alexander Palamara of Dell Disability Lawyers, an administrative appeal challenging MetLife’s initial determination was timely filed.
Partial Approval for Short Term Disability Benefits
After the filing of the administrative appeal challenging MetLife’s decision to deny our client’s claim, MetLife only decided to find our client disabled from September 10, 2012 through December 28, 2012. Therefore MetLife upheld its decision to deny benefits from December 28, 2013 through March 25, 2013, the end of the Short Term Disability time period. In support of that decision, MetLife relied upon an “independent” paper review and an internal review to conclude that “there was no clinical evidence substantiating a continuous impairment that would have precluded (our client’s) ability to perform her occupation beyond December 28, 2012 through March 25, 2013.” Thus MetLife was concluding that our client’s Multiple Sclerosis only limited her for a few months and that she was able to return to work full time as a Contracts Officer. We disagreed with this assessment and filed an additional appeal.
Social Security Administration Approves Client for SSDI Benefits
In addition to our arguments and contentions that our client was unable to perform her duties of her occupation, the Social Security Administration agreed when it approved our client’s claim for Social Security Disability Income Benefits. Additionally, a Functional Capacity Evaluation was also very supportive of our client’s claims, as well as overwhelming support of her treating physicians.
Decision to Deny Finally Overturned by MetLife
After two appeals and thousands of pages of medical records, MetLife finally agreed that our client was disabled for the full time period of the Short Term Disability Claim from September 2012 until March 24, 2013. The Full Benefit for STD was eventually paid in early December 2014, a little over 20 months after it should have been paid.
After the STD claim was approved, Attorney Alexander Palamara of Dell Disability Lawyers again reiterated his request that MetLife review and approve his client’s claim for Long Term Disability (LTD) Benefits. By way of a letter dated December 19, 2014, MetLife finally saw the errors of its ways and approved our client’s claim for LTD benefits and mailed a big check in late December 2014. Although our client is relieved to have finally been approved for LTD benefits and she is excited to receive the benefit check, it unfortunately took over 2 years for MetLife to see the Light. The undue stress and monetary strain has taken a toll on our client. Such stress has only increased her symptoms and flareups of her disease. The client can, however, be reassured that Dell Disability Lawyers will continue to fight MetLife so that she can rest assured that her claim will continue.
If you have been denied Short Term or Long Term Disability Benefits by MetLife or any other insurance provider, please do not hesitate to contact Dell Disability Lawyers for a free consultation.
To read about other Metlife disability claims, please click here.
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Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara
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Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.