MetLife Reinstates Disability Benefits to Attorney on Appeal
Our client is an accomplished attorney working for a large international law firm who despite suffering from Bipolar Disorder was able to complete law school and excel in a highly competitive and stressful occupation. However, increasing hours and the start of a new family made it increasingly difficult for our client to perform all the duties of her occupation due to her condition. Instead of walking away from a career she had devoted many years of her life to our client cut back the number of hours she was working and filed a claim for partial disability benefits under her firm’s disability insurance policy with MetLife.
Claim Handling and Denial of Benefits
The claim for partial disability was initially approved by MetLife with very little problem. Our client continued to work a reduced schedule as suggested by her doctors and MetLife paid benefits under the policy for over three years without there appearing to be any problems with the claim. Throughout this period of time our client consistently treated with her doctors and therapist, all of whom staunchly supported her claim for benefits.
As would later be discovered, over the course of time MetLife’s review of our client’s claim appeared focus solely on the complaints of cognitive decline and problems with concentration. Instead of viewing these problems as a symptom of the whole, MetLife set to separate and disprove these symptoms in an attempt to terminate our client’s claim for benefits. To further its agenda, MetLife had our client undergo neuropsychological testing with a doctor of its choosing. The doctor hired by MetLife interpreted the testing to indicate that memory and learning functions, language processing and executive functions were normal. Based on these test interpretations MetLife terminated our client’s claim for partial disability.
Prior to contacting our Office our client attempted to provide additional information to MetLife that refuted the opinions made by MetLife’s neuropsychologist to include providing the independent opinion of a Neuropsychologist who had developed one of the tests MetLife’s doctor was misapplying and using to terminate the claim. Regardless of this extremely supportive information, MetLife advised our client that it was upholding the denial of her benefits and that she would have to formally appeal the denial of benefits.
At that time our client contacted Dell Disability Lawyers and spoke with Attorney Stephen Jessup. In reviewing our client’s medical information along with MetLife’s voluminous claim file Attorney Jessup recognized that MetLife was trying to change our client’s claim for partial disability from being due to Bipolar Disorder and instead due to an unspecified Cognitive disorder. In doing so MetLife seemingly forgot or ignored that the basis of the initial approval of benefits was based on the all the documented symptoms related to the diagnosis of Bipolar Disorder, to include, but certainly not limited to issues with concentration/cognition. In preparing the appeal Attorney Jessup sought additional outside expert opinion to further refute the MetLife ordered neuropsychological testing, and also refocused the claim to take into account all the other restrictions and limitations that would preclude our client from performing all of the material and substantial duties of her occupation on a full time basis.
Following the submission of the appeal drafted by Attorney Jessup the MetLife appeals department notified our office prior to the expiration of the initial 45 day deadline to render a decision that it was reinstating our client’s claim for long term disability benefits.
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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.