Question
Is the fact that MetLife limits mental nervous conditions to 24 months discriminatory?
My husband has fought a panic disorder for 12 years with short periods of disability. He was approved for LTD folowing the term of STD through METLife. He attempted to return to work never really accepting that he was permanently disabled but it exacerbated his condition dramatically and he was placed off work permanently by two treating MD’s. MetLife cancelled and has refused thus far to reinstate his LTD despite letters and MetLife forms from both doctors stating he was permanently and totally disabled. Of course their MD who never had a conversation with my husband feels he can work. Is there any way to fight this and win? And why is a mental disability only given 24 months and any other disability is for five years? Isn’t that discriminatory?
Answer
Laurie, if you husband’s policy is governed by ERISA, then he must submit an appeal within 180 days. I would recommend that you call us to discuss the claim denial and we will discuss his options. Most MetLife group disability policies limit mental nervous conditions to 24 months. These limited pay period are usually valid.
