Question

Is it safe to give MetLife access to my Social Security file?

Asked on July 24th 2018 by C. Packer
Met Life is our LTD provider who has determined through their 2nd Physician Clinical Review that my husbands sudden onset of behavioral health issues from the frontal lobe stroke classifies as a mental health claim therefore only covering us for 18 months vs. 2 years. We have provided MRI’s, SpecScans, Neurological Testing results etc. and the list goes on and on that prove the brain injury. He was a high functioning, 30 year corporate executive career man who suddenly lost his capability. We have been through every possible treatment for the “Mental Health” disorders which have wasted almost 3 years of the wrong treatments. He has been hospitalized 4 times in 2 years due to medication failures that made him even more disabled, when he could have been spending his time rehabbing his cognitive deficits with stroke related programs of which he could never get the insurance or local hospital programs to approve him for due to his physical abilities to care for himself i.e., feed, use restroom etc. were not an issue. However, his memory loss issues are huge and his ability to process information and retain a thought, along with massive depressive disorder and anxiety have been at times chronic issues. Since our SSDI has been approved we have had to pay back over $53k in back payments which we understand, but now they want access to our Social Security Files, which I’m reluctant to approve. What will they take from us next? They claim they want to help us, but I’m not so sure this is a safe gamble.

Answer

Answered on July 24th 2018 by Attorney Gregory Dell

C. Packer, it is normal for a disability carrier to request a copy of the SSDI file. If the SSDI file contains evidence that your husband’s disability is due to a brain injury and not due to a mental health condition then it may benefit him to provide a copy of the file to MetLife. Please contact our office to speak with one our attorneys regarding your husband’s options.