Question
Could I sue MetLife 4 years after my denial?
I have insurance with MetLife through my work (ERISA). I wrote a letter requesting an appeal to MetLife regarding the rate paid within the first 180 days. MetLife determined that my condition is pre-existing since I saw my doctor Dec 27, 2013 which was 3 days before the change in LTD when into effect. MetLife called me on the phone to explain but, I do not think they actually appealed the decision. Can I file you a law sue if the Contract statute of limitation is 6 years in Minnesota? It has been 4 years since the initial rate denial.
Answer
Bernard, most employer provided policies require legal action within 3 years of a claim rising, which could be a potential roadblock. Without seeing the denial letter from MetLife we would not be able to properly assess. Furthermore, I am not sure if this is a complete denial of benefits (as in not disabled) or a denial of an increase in your monthly benefit amount (for example during open enrollment). That would also have an impact on your situation. Please feel free to contact our office to discuss your situation further.
