MetLife Disability Help

Question

Does the 180 day countdown (to appeal) start when they tell me I'll receive 24 month of benefits or when they actually cut me off?

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

Asked on January 12th 2017 by D.D.

I have been on Metlife LTD since November of 2015. They approved me for major depression which incorrectly limits my coverage to 24 months since my depression is a result of my inability to do the work I truly love due to my physical conditions. Does my 180 days to appeal their decision come from the time they tell me I will receive the benefit for only 24 months or from the time they actually cut me off in November of 2017? Thanks

Answer

Answered on January 13th 2017 by Attorney Stephen Jessup

D.D., that can depend on the information they have sent you. Sometime they require an appeal to occur 180 days from notice that your claim is limited to 24 months. Please contact our office to discuss your situation further. If they are terminating your benefits come November 2017, it would be in your best interest to fight them as soon as possible as to physical vs. mental disability.

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MetLife Reviews

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For the first time since I can remember my employer did not offer STD as one of my paid benefits so I’m paying for this policy. Had to file a claim on 6-14-25. Went thro...

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Reviewed by Amanda on January 29th 2025 Verified Policyholder | January 2025 date of disability

MetLife’s handling of my short-term disability claim has been incredibly frustrating and stressful. I followed all the necessary steps prior to my surgery, providing the...

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Sent on January 27th 2025 by Attorney Gregory Dell

Amanda,We are sorry to hear about your MetLife experience. Stay on top of them and it’s likely they will past you since you are post surgery....

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Reviewed by KM on October 3rd 2024 Verified Policyholder | August 2024 date of disability

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Reviewed by Jeff on August 22nd 2024 Verified Policyholder | August 2024 date of disability

The worst company I ever dealt with, never received a call from my claim manager.

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Q: Can Metlife reduce my LTD benefit due to SERP payments that were not paid to me (they went directly to FICA taxes)?

Answered on March 24th 2025 by Attorney Gregory Dell

A: Jim:If this payment is a form of a retirement or pension payment then it is likely correct for Metlife to of...

Q: Do I have an option after my appeal is denied?

Answered on April 10th 2024 by Attorney Gregory Dell

A: Lauren:If your appeal is denied by MetLife then you have the option to file lawsuit in federal court.

Q: My daughter died in 2019

Answered on February 12th 2024 by Attorney Gregory Dell

A: If your daughter was disabled prior to being terminated then she should have coverage.

Q: Can I sue Metlife for non payment of approved claim?

Answered on December 28th 2023 by Attorney Stephen Jessup

A: Unfortunately, the answer is "not liklely." I would assume your MetLife policy is an employer provided policy ...

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I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

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If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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Question

Does the 180 day countdown (to appeal) start when they tell me I'll receive 24 month of benefits or when they actually cut me off?

Answer

Resources to Help You Win Disability Benefits

Submit a Strong MetLife Appeal Package

Sue MetLife

Get Your MetLife Disability Application Approved

Prevent a MetLife Disability Benefit Denial

Negotiate a MetLife Lump-Sum Settlement

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