MetLife Overturns its Decision to Deny Long Term Disability Benefits After Receiving an ERISA Appeal from Dell Disability Lawyers
An Alabama woman previously employed as a Senior Account Representative since 1999 for the Southern Company’s subsidiary SouthernLINC Wireless was awarded long term disability ERISA benefits after Attorney Alex Palamara filed an ERISA appeal on her behalf. Forced to leave work on May 21, 2010 due to a countless number of conditions, the claimant was forced to file for disability benefits. The claimant’s conditions included cervical spine pain with radiculopathy, low back pain with radiculopathy, degenerative disc disease, osteoarthritis, past surgeries, etc.
MetLife Denies Benefits After 24 Months
Although initially paid for 24 months, the claimant’s benefits were denied when MetLife determined that she no longer qualified for benefits due to the change in definition of what it means to be disabled under the policy. This change in definition of disability is commonly found in group policies provided to employees.
Under these policies, when a person first makes a claim for benefits, to be considered disabled the person must satisfy that they are unable to perform each of the material duties of their own occupation. After 24 months, the definition of disability then requires that the person’s medical records prove that they are unable to perform the duties of any gainful occupation for which the person is qualified for by education, training or experience.
As you can see this new definition of disability (the any occupation definition) is much harder to satisfy than the previous definition (the own occupation definition). Insurance companies love to deny claimants continued benefits after the change in definition of disability. This was the case for the SouthernLinc employee.
Appeal Filed By Dell Disability Lawyers
Within days of receiving the denial letter from MetLife, the claimant contacted Dell Disability Lawyers for assistance in getting back on claim. Disability Attorney Alexander Palamara timely ordered and reviewed the claim file from MetLife, the Social Security Administration’s Disability Claim File, as well as the medical records from each of the claimant’s treating physicians. With the support of the claimant’s records an administrative appeal was timely filed challenging MetLife’s determination. Dell Disability Lawyers was able to point out the inconsistencies in MetLife’s decision and the weaknesses of its internal reviews. They were also able to point out the strong objective medical evidence that was contained in the claimant’s medical records. Faced with this strong evidence, MetLife was forced to overturn its previous decision to deny benefits.
Today, the claimant is now receiving a monthly benefit check. Should she continue to be disabled, her policy will pay her until the year 2023.
If you have a similar case or are thinking of making a claim for disability benefits with MetLife, please do not hesitate to contact our office for a free consultation and review of your claim.
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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.