Question
How do I convince MetLife that my condition is, indeed, severe?
I have multiple medical conditions, among them CFS, Fibromyalgia, spinal stenosis, degenerative disc disease, and spondylolisthesis. My policy limits payment for CFS to a certain period of time. After a long battle, Metlife paid on the CFS portion but is denying beyond that stating that my covered conditions related to my back, are not severe enough. How do I establish that if we could play the game of “make believe” and pretend my only condition is my back and that is severe enough to establish disability?
Answer
Steve, The self-reported pain limitation in some of the Metlife long term disability policies is very restrictive. Your question is complex, but it is an issue that we deal with on a routine basis. There are numerous things that can be done in an effort to reverse the denial. In order to determine how we can assist you, we would need to immediately review your denial letter and long term disability policy. Please contact us privately and we will be able to tell you very quickly if we can assist you.
