Tips To Prevent a MetLife Disability Benefit Denial
You may have received a letter from MetLife saying your benefits will continue until a certain date, which often says until the age of 65. Do not believe it. The letter fails to put in writing the important clause MetLife is essentially hiding from you: That you will receive disability insurance benefits only if you continue to meet the provisions of the policy.
Each month, you risk being denied your MetLife disability insurance benefits. We want to help you understand how your claim is evaluated and provide you tips on how you can prevent MetLife from denying you your disability insurance benefit once your claim has been approved.
Continuous Medical Treatment with Good Medical Record Keeping Can Prevent a MetLife Denial
It is vitally important that you continue your medical treatment and make sure your doctor is documenting your disabling condition. Doctors are periodically sent forms from MetLife asking them to update your condition. Depending on the nature of your disability, MetLife may ask for an update as often as every month or every two months.
At a minimum, you need to be seeing your doctor at least every 60 to 90 days. MetLife is looking for anything it can use to justify denying your claim.
If you are not receiving regular medical treatment, they may decide that means your medical condition is no longer disabling, and you can return to work. It is important to work with your treating physicians, so they know what is expected of them and of how the way they describe your condition in the medical record can make a difference of whether your benefits continue or your claim is denied.
It Can Be Difficult to Get a Doctor to Draft Strong Medical Records and to Provide Supporting Attending Physician Forms
Almost all doctors have a system of checking boxes about your condition and care provided. Some exact portion of a previous medical chart entry will often be copied to the new update. It may not be readily evident that you have new testing results or a change in your medication.
If your record makes mention of “improving,” or “doing fine,” that may be all MetLife needs to say, “Aha. You can go back to work.” The company doesn’t look at how you have improved and what the improvement means. You may still be suffering and unable to work even if you are better compared to how you were on your last doctor visit.
You must have an honest conversation with your doctors to educate them on what you need from them in order to keep your disability benefits. This means your doctor’s notes need to show how your medical condition makes it impossible for you to do your occupational duties, whether they are the duties of your own occupation, or any occupation for which you are trained, educated, or otherwise qualified. The occupational definition depends on the stage you are at in receiving your disability insurance benefits.
Your Physicians Should Never Rely on the Limited Space MetLife Gives Them in a Disability Claim Form
The claim form given to your physician only has a limited space and does not leave much room for a detailed explanation. We always have the doctor provide an attachment which goes into more detail about why you cannot perform your duties.
There is some wording that needs to be avoided. For example, we caution them to avoid saying you “never” do X, because if the company later puts you under surveillance that shows you are doing X, then they will attack your credibility and your character.
The Monthly Claim Handling Service Offered by our Law Firm is Unique for Many Reasons
At Dell & Schaefer, we offer a unique monthly claim handling service. When you use our service, we take over every aspect of keeping your claim updated. We monitor closely, and all communication from MetLife comes to us.
We are proactive in making sure you are doing all that you need to do to stay on claim. We work with your doctors to educate them on what documentation we need and the wording of your limitations and restrictions that we have found acceptable to MetLife. We make sure your medical records are strong and support your claim.
We are always available to answer your questions. We protect you at every step of the way. It appears that when MetLife sees a lawyer is involved, they may be more careful at what they require of the claimant.
If you are interested in our services, contact us. We work with clients all over the country and we offer a free and immediate phone consultation to determine how we can help you. Call us at (800) 682-8331.
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.
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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.