Appeal filed by Dell Disability Lawyers proves to MetLife that former Morgan Stanley Employee Should Continue to Receive ERISA Long Term Disability Benefits
This former employee of Morgan Stanley came to us after being denied continued Long Term Disability (LTD) benefits by MetLife. Our now client previously worked as a Registered Client Service Associate for Morgan Stanley. This sedentary occupation had her supporting a Financial Advisor or a group of Financial Advisors with a combined annual production of $1,500,000.00 and approximately $200 million dollars under management. Our client worked for Morgan Stanley since 1990. Unfortunately for our client, she was forced to stop working in April of 2012. The combination of her chronic fatigue, severe chronic daily headaches and cognitive impairment prevented her from being able to perform each of the material duties of her own occupation.
Fortunately for our client, her employment at Morgan Stanley provided her with a Long Term Disability Insurance Policy should she be unable to work due to disabling conditions. Afforded such a policy, our client timely filed an application for LTD benefits. After our client filed her claim, MetLife initially approved the claim and paid LTD benefits from October 2, 2012 through September 30, 2014.
By way of a denial letter dated September 19, 2014, MetLife informed our client that it would no longer pay benefits beyond September 30, 2014. In its denial letter, MetLife stated that it found that our client was only disabled due to a neurotic adjustment disorder and found that such conditions are limited to 24 months of benefits under the policy. MetLife found that her other conditions were not disabling and did not prevent her from performing each of the material duties of her prior occupation. While “Mental or Nervous Disorder or Disease” claims are in fact limited under the terms of the LTD Policy provided by Morgan Stanley, our client’s other conditions fell outside of this limitation and were severe enough to warrant continued benefits.
Claimant Hired Dell Disability Lawyers
The Employee Retirement Income Security Act of 1974 (ERISA) only provides for 180 days to file an administrative appeal to challenge such a denial. It must be mentioned that if a timely ERISA appeal is not filed, a claimant will likely lose any right they have under the policy for further benefits and they will be unable to file an ERISA lawsuit. Nearly four months after being denied benefits, our client eventually contacted Dell Disability Lawyers and spoke with disability insurance attorney Alexander Palamara. Although left with limited time to file the administrative appeal, Attorney Palamara quickly took on the case to fight MetLife’s incorrect denial.
Appeal filed by Dell Disability Lawyers
Armed with limited time, Dell Disability Lawyers quickly secured any and all updated medical records from our client’s treating physicians as well as the claim file from MetLife. A review of both showed that our client had sufficient proof to justify MetLife overturning its prior decision to deny benefits. A proper and timely appeal was filed prior to the ERISA deadline of 180 days. In the appeal, we were able to show how the combination of her conditions continue to prevent her from performing each of the material duties of her own occupation as a Registered Client Service Associate. Furthermore, in the appeal we pointed out that MetLife’s reviews were very narrow and focused primarily on her psychological conditions. We argued that MetLife’s reviews were biased because MetLife wanted to reach the conclusion that her claim was subject to the limited benefit provisions of the policy. Finally, we noted that it was the consistent opinions of all of our client’s medical providers, and even one of MetLife’s own independent physician consultants, that our client’s disabling conditions and her inability to perform her own occupational duties stems from her physical conditions. With this appeal, we believe that we left MetLife with no reasonable alternative but to reinstate our client’s claim or face a strong lawsuit against its position.
Two weeks and two days after the administrative appeal was sent to MetLife, we received word that our client’s claim had been reinstated and benefits would be payable from October 1, 2014 forward. Although our client is upset due to being denied continued benefits in the first place, she is ecstatic that she found Dell Disability Lawyers who fought to get her claim reinstated. Likewise, she is now comforted knowing that Dell Disability Lawyers will do whatever it takes to keep her claim approved until she is able to go back to work or until her policy expires.
If you have any questions with regards to a Long Term Disability Claim, or if your claim has been denied, please do not hesitate to contact Dell Disability Lawyers for a free consultation.
Read more about Metlife disability claims on this page.
Resources to Help You Win Disability Benefits
Get Your MetLife Disability Application Approved
Prevent a MetLife Disability Benefit Denial
Negotiate a MetLife Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Q: Would any new disabling conditions be considered by Metlife when considering whether or not to continue my benefits?
Q: Do I have to sign and return MetLife's authorization to disclose my info in order to continue my claim?
Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara
Reviews from Our Clients
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.