Question

Can MetLife end my beneifts without verifying my diagnosis (that is an exception to their 24 month clause)?

Asked on February 3rd 2012 by Bobby
I received LTD benefits from MetLife due to depression and anxiety. A little over a month before my claim ended due to a mental limited benefit condition clause of 24 months, I was diagnosed with manic depression which is an exception. I sent the medical information as required by the insurance company. The medical info was reviewed by an independent medical examiner and I was interviewed by a mental health nurse whom found it weird that the manic episode would happen so close to my claim end date. My doctor advised me that there was not much she could do because although she responded to the examiner’s report they gave her the impression that they thought I was clever and was trying to continue benefits or it could just be side effects of medications. Can they really just end my benefits without verifying it is not manic depression? I am currently perusing SSDI benefits. I feel they are doing this on purpose to stop my benefits

Answer

Answered on February 4th 2012 by Attorney Gregory Dell

Bobby, You need to file an appeal of your denial within the timeline that MetLife has given you. You have the right to fight MetLife’s disability denial. Contact us if you would like assistance.