How We Help To Appeal Your Metlife Disability Denial

Let’s discuss how you can win your MetLife Disability Appeal. MetLife disability denials are usually unreasonable and with preparation of a strong appeal package you can get your benefits paid. There is only one chance to submit a MetLife appeal. It must be drafted strategically in order to win your disability benefits. Our disability insurance lawyers have reviewed thousands of MetLife short and long term disability denials on behalf of claimants nationwide and we are available now to provide you with a free phone consultation. We have seen every type of MetLife disability denial and we know exactly what is required in order to give you the best chance to win your MetLife disability benefit appeal.

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Our Lawyers Respond Today

In this article:

Why Is It Important to Prepare a Strong Metlife Appeal?

We want you to become educated about the MetLife appeal process and learn how our law firm can help give you the best chance to win your MetLife disability appeal. In our MetLife Disability Appeal Tips video disability attorneys Gregory Dell and Alex Palamara discuss the following: 

  • Why is it important for you to submit a strong appeal package to MetLife?
  • What is your first step to appealing a MetLife denial?
  • What evidence did MetLife rely upon to deny your disability claim?
  • Why are custom attending physician statements essential?
  • Should you submit additional medical evidence for your MetLife appeal? 
  • Does MetLife require objective medical evidence to win benefits? 
  • Can MetLife rely exclusively only on the medical opinions of their hired doctors? 
  • How does MetLife determine the duties of a job?
  • How can we help prepare a strong appeal package to MetLife?

How Can You Win Your MetLife Disability Appeal?

With strategy, collaboration and execution you can get your MetLife disability claim approved. Every MetLife disability benefit denial is unique because everyone has different medical conditions that prevent them from working, the definition of disability is different in most MetLife disability policies, and lastly your prior work experience and education will have a big impact on the ability to perform any job. Our law firm’s history of winning disability appeals comes from working very closely and strategically with you, your treating doctors, and vocational consultants. We take a custom approach to how we handle every appeal and we look forward to discussing your MetLife disability denial with you. As you begin the process to get your MetLife disability denial reversed we encourage you to watch our video below about How to Win Your Disability Appeal.

Most MetLife disability benefit denials are based on MetLife’s determination that you do not have sufficient medical limitations which prevent you from working in a specific occupation or any occupation. While MetLife may first notify you of a disability denial via telephone, the basis for MetLife’s denial is required by The Law to be included in their denial letter and the documents supporting the disability denial must be contained in the claim file. In your MetLife denial letter, MetLife gives you the right to request a complete copy of your claim file and that is the first step we take.

Why is MetLife Required To Send You All Information Used To Deny Your Disability Claim?

ERISA regulations require MetLife to prepare and send your claim file within 30 days of a written request. We draft a very specific request for the claim file so that MetLife cannot hide any documents or information that we think can help to win your appeal. The claim file is supposed to include all information relied upon to deny your disability benefits, which would include medical records, financial records, internal emails, memos and notes, your disability plan documents, video surveillance and any medical reviews and vocational reviews conducted by MetLife. 

The MetLife claim files provided are often intentionally disorganized and require legal experience in order to know what information in the claim file is relevant to preparing a strong Appeal. Your claim file may contain thousands of pages of evidence, and once we receive your file, we immediately organize and analyze all information so that we can prepare a plan of attack that puts You in the best position to have Your short term or long term disability benefits reinstated.


There is only one chance to submit a MetLife appeal and it must be drafted strategically.


How Does A Plan of Attack Help You Win a MetLife Disability Appeal?

After our lawyers complete a full review of your MetLife claim file and review all of your up to date medical records, we formulate a plan of attack that we believe must be followed in preparation of your MetLife appeal. Every plan is focused on determining what additional medical documentation and support we can obtain to prove your disability. You only have 180 days from your date of benefit denial to submit an appeal so it’s important to act quickly in order to submit a timely appeal package. 180 days may seem like a lot of time, but you really want to have as much time as possible so that you can obtain as much additional medical and occupational support as possible. It’s not easy to get in quickly for doctor appointments and it takes time for doctors to complete documentation on your behalf.

We Help You Prove That MetLife’s Doctors Are Wrong

MetLife will commonly deny a long term disability claim on the basis that you have insufficient medical documentation and/or support from your doctor and instead will rely their own employed doctors or nurses to deny your disability claim. Regardless of what your doctors may have concluded, MetLife will almost always favor the opinions of their own doctors over yours.  The way to overcome this inherent bias is to present strong medical evidence in support of disability that no reasonable person could disagree with. 

As a practical matter, Doctors don’t like dealing with insurance companies, and while they want to help you they get frustrated. Your doctors document your medical records for the purposes of treating you and not for an insurance company review. As a result, most doctors do not document all of your limitations and complaints for purposes of a disability claim. Through our experience in helping thousands of disability claimants we educate your doctors about your disability insurance policy language and work with your doctors to document your medical conditions appropriately.


Obtaining strong written support from all of your treating doctors is usually the most challenging aspect of preparing a MetLife Disability Appeal.


Custom Attending Physician Statements Are Essential

Our job during the appeal process is to work with you and your treating doctors to obtain medical evidence that rebuts MetLife’s doctors (or hired doctors) written opinions. The attending physician statements created by MetLife and previously completed by your treating doctors are generic and intentionally designed by MetLife to offer limited support for your claim.

In every appeal we handle, we draft custom attending physician statements for completion by your doctors. Our physician statements are specific to your MetLife Long Term disability policy definition of disability and your specific medical condition(s). With every type of medical condition we know the exact information Metlife and their doctors are seeking as evidence of disability. If you have more than one condition that may impact your ability to work, and are treating with more than one physician we will reach out to all relevant treating doctors.

In addition to a custom physician statement we may suggest additional diagnostic testing or medical consultations with different medical specialists if we believe it will help bolster your claim. In some appeals, we will have you undergo a Functional Capacity Exam (FCE) or an Independent Medical Exam (IME). The results of an FCE are shared with your treating doctors as they can provide strong support for your functional limitations. In some appeals, we will submit medical literature from leading medical publications which support your symptoms, limitations and potential risks associated with your condition.

Metlife Appeal Success Story

Our client was a contract manager that was diagnosed with Toxic Encephalopathy, chronic fatigue and chronic pain. She worked as a contracts manager for a large tech company. Metlife denied her claim for long term disability benefits on the basis that she did not have sufficient medical support. In our video below, Attorneys Gregory Dell and Alex Palamara discuss how we prepared an appeal that resulted in a reversal of Metlife’s denial of disability benefits.

Why Must Your Appeal Contain Strong Occupational Evidence?

In most MetLife disability denials, MetLife will argue that if you can sit in a chair for 6 hours a day then you should be able to work. This is obviously a ridiculous conclusion , but you must submit occupational evidence that any job requires more than just an ability to sit. MetLife’s denial letters will usually misrepresent your job duties or list other jobs they think you can perform for 40 hours a week. Depending upon the applicable definition of “disability” at the time you become disabled, it is critical to review how MetLife has determined the duties of a job they say you can perform. 

The occupational evidence that must be presented in your appeal will depend upon whether your definition of “disability” is either the inability to perform your “Own occupation” or the inability to perform “Any Gainful Occupation”. Own Occupation and Any Gainful Occupation are defined terms in your MetLife disability policy. In most MetLife disability policies the definition of disability is Own Occupation the first 24 months and then it switches to the more difficult definition of Any Gainful Occupation. Most Metlife disability denials happen either at the inception of disability claim or when the definition of disability changes at the 24 month mark.

How Does MetLife Determine The Duties of an Occupation?

MetLife will rely on their own vocational consultant to determine how either your job is performed in the national economy or how any other job is performed in the national economy. This means that MetLife ignores the way you actually performed your job for your employer and randomly determines how your job is performed nationally. MetLife will also come up with their own opinions about how any job is performed regardless of who the employer may be. 

To rebut MetLife’s unreasonable occupational assessments, we regularly work with vocational experts in order to clearly define the duties of a specific job and the physical requirements to perform a specific job for 40 hours a week. A vocational expert will prepare a detailed report which reviews the duties of all jobs suggested by MetLife, review your medical records, review your restrictions and limitations, and explain why you are unable to perform the job duties suggested by MetLife. If necessary, the vocational expert may also perform a labor market analysis discussing the availability and salaries of specific jobs. 

In many denial letters, MetLife will come up with jobs that are not available in your area and that make these job suggestions unreasonable. As additional occupational evidence we may also submit employer statements from your co-workers, your job description, a personal statement from you about a typical day at the job, industry reports, and samples of work product produced in your job. 

We provide a lot of detail in our Appeals to explain why you cannot perform the specific job duties of either your job or any job. Depending upon your definition of disability when you are denied, we also present evidence in our Appeals that can get you approved for benefits if your definition of disability will change at the 24 month mark. We don’t want you to win an Own Occupation appeal only to be denied again because you don’t qualify under the Any Occupation definition of disability.

Metlife Appeal Success Story

Our client was an IBM sales executive that was unable to work due to occipital neuralgia, trigeminal neuralgia, chronic severe headaches, lumbar and cervical pain. Metlife approved her claim for 9 months and then denied long term disability benefits based upon a paper medical review by a Metlife hired doctor.  In our video below, Attorneys Gregory Dell and Cesar Gavidia discuss how we prepared an appeal that resulted in a reversal of Metlife’s denial of disability benefits.

How Courts Review MetLife Disability Appeals

This section contains some technical legal information and we will try to make it as simple as possible. Most MetLife disability appeals are governed by a law called ERISA and you must understand ERISA laws in order to prepare and write a strategic appeal. There is only one chance to submit a MetLife appeal and it must be drafted in a manner so as to not tell MetLife everything they did wrong. Most people, including lawyers that don’t focus their legal practice on MetLife appeals, will submit appeals where they basically give MetLife a roadmap on how to review the appeal by telling MetLife everything they did wrong on the initial review. They will include unnecessary or dated case law and a detailed criticism of everything MetLife did wrong. This is not the proper way to submit an appeal and really does nothing more than guide MetLife as to how to conduct a “reasonable review” of your initial claim denial.

What Does A Reasonable Review Mean Under ERISA For A MetLife Appeal?

The “reasonable review” language is key because if your appeal is denied by MetLife and an ERISA lawsuit is filed, a judge must review the denial and apply an unfair legal standard called “abuse of discretion”. The abuse of discretion standard requires a judge to first determine if you are disabled. If the Judge concludes you are disabled, then the Judge can only reverse the benefit denial if he or she thinks the review conducted by MetLife was unreasonable. So a Judge can find that you are disabled, but MetLife’s unfavorable review of your claim was reasonable. In this scenario your denial will be upheld as the Judge must defer to the reasonable review conducted by the insurance company.


No matter how big or powerful MetLife may seem, we have recovered disability insurance benefits for more than 95% of our MetLife clients.


Why Drafting A Strategic MetLife Disability Appeal Is Crucial 

Because of the abuse of discretion standard that applies to any MetLife disability policy that contains a “discretionary clause”, we always draft a strategic appeal that focuses on your medical restrictions/limitations and how you are disabled in accordance with your disability policy’s definition of disability, rather than simply saying what MetLife did was wrong. By telling them what they did wrong, it actually helps MetLife create a record for litigation that could be perceived as more reasonable. There are a few states where the discretionary clause is illegal and the judge’s decision on the claim will be final regardless of the reasonableness of MetLife’s appeal review.

Regardless of the standard of review that will apply to your MetLife disability appeal denial, our lawyers have a very specific style of organizing, preparing and drafting MetLife disability appeals letters which have helped thousands of disability claimants nationwide to receive their disability insurance benefits.

Let’s Discuss Your MetLife Disability Denial

When we review your claim we will give you an immediate and honest opinion about your chances of recovering disability insurance benefits from MetLife. Don’t let MetLife or anyone else convince you to handle your Appeal without legal help as you are about to go to battle against a company that generates billions of dollars a year in revenue. To help you learn as much as possible about MetLife and the ERISA Appeal process we encourage you to review all of the helpful information listed below. We welcome you to contact any of our disability insurance lawyers for an immediate free phone consultation.

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong MetLife Appeal Package

We work with you, your doctors, and other experts to submit a very strong Metlife appeal.

Submit a Strong MetLife Disability Appeal

Sue MetLife

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Metlife.

Sue Metlife

Protect Your Benefits
Get Your MetLife Disability Application Approved
We help claimants throughout the entire application process.

Apply for Metlife Disability Benefits

Prevent a MetLife Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

Monthly Handling of Your Metlife Disability Claim

Negotiate a MetLife Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

Long Term Disability Buyout

MetLife Reviews
(52)

Policy Holder Rating

1.6 out of 5
Read 52 reviews
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2
61%
1
38%
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2.1out of 5
Handling Claim
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Showing 8 of 52 Reviews
MetLife

Only care about $$$$$

Reviewed by Allen Cox on August 8th 2023   Verified Policyholder | September 2013 date of disability
PLAY THEIR GAME FIGHT FIRE WITH FIRE.....after getting a copy of the insurance policy from my HR. I nipped a lot of the headaches quickly by calling their bluff word for w... read more >
Reply
Sent on August 8th 2023 by Attorney Gregory Dell

Allen,
Sorry to hear what you have been through. I am glad you fought back.

MetLife

They demanded an overpayment, stopped my claim, and lied about it

Reviewed by Diana R. on May 28th 2022   Verified Policyholder
Metlife over paid me. Stopped my Ltd claim. The overpayment were not done right. They lied and said they deposited money in my account.
Reply
Sent on May 28th 2022 by Attorney Alex Palamara

Diana, I am sorry to hear of this denial and the demand for an overpayment. Please contact us so that we can review your claim and see if we can get you back to receivi... read more >

MetLife

Your decision making process is absurd!

Reviewed by Brian on June 1st 2021   Verified Policyholder
My wife went through a nightmare with a back surgery for two discs. When the first surgery took place, the Dr. cracked a different vertebrae as they placed the metal rods ... read more >
MetLife

My husband has 2-5 yrs to live, yet MetLife has been giving him the run around

Reviewed by Tina on March 19th 2021   Verified Policyholder
My husband has STD and LTD with his employer. He was dx with ALS/Lou Gehrig’s Disease Aug 2019, made official after many many test, as of Jan 2020 but continued to work ... read more >
Reply
Sent on March 19th 2021 by Attorney Gregory Dell

Tina, I am so sorry to hear that MetLife and the employer have been giving you the run around. From everything that you described, your husband’s claim should be a qu... read more >

MetLife

Inappropriate conduct!! Rude, discriminatory, etc

Reviewed by Deanne on January 31st 2021   Verified Policyholder
Have you ever dealt with a case where the person is receiving LTD benefits but there have been issues with the case manager? For instance, the person was badgered about an... read more >
Reply
Sent on January 31st 2021 by Attorney Jay Symonds

Deanne: This certainly does not sound like appropriate conduct on the part of the claims personnel. Are you still collecting an LTD benefit? I suggest you contact our o... read more >

MetLife

Haven't been paid since MetLife denied my appeal months ago

Reviewed by Rosanne on December 8th 2020   Verified Policyholder
I was denied my appeal with Metlife, and I am still seeking medical diagnosis for other health issues. I was diagnosed with Chronic Gastritis and am now being tested for R... read more >
Reply
Sent on December 8th 2020 by Attorney Gregory Dell

Rosanne, I am sorry to hear of your denial. Please contact at once for a free consultation. We should be able to assist you with the next available steps.

MetLife

Metlife closed my STD claim amid several injuries

Reviewed by Donnette S. on October 14th 2020   Verified Policyholder
I am currently on STD with Metlife due to an accident on July 2nd. The accident broke my femur in have and I was care flighted to a trauma unit in Houston. The body scans ... read more >
Reply
Sent on October 14th 2020 by Attorney Jay Symonds

Donnette: This is a very unfortunate set of circumstances. Have you received a written denial letter? I suggest you contact our office and speak with one of the attorne... read more >

MetLife

Metlife's COLA recalculation cut my payments with no explanation why

Reviewed by Tori on September 10th 2020   Verified Policyholder
Are you aware of any class action lawsuits against Metlife Disability over their COLA adjustment method of calculations and application Of COLA? MetLife contacted me this ... read more >
Reply
Sent on September 10th 2020 by Attorney Gregory Dell

Tori, we are not involved in any class action at this time with MetLife, however, we will gladly review your policy to see if their updated calculations for your COLA a... read more >

Answered Questions by Our Lawyers
(75)
Showing 8 of 75 Answered Questions

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. Read More >

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. Read More >

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 ... Read More >

Q: How far behind in payments does Metlife have to be to take legal action?

Answered on November 21st 2023 by Attorney Rachel Alters
A: Make sure you put all of your requests in writing so there is a record should you end up in court. It’s best... Read More >

Q: Does Metlife pay Disability payments ahead? Example: December payment is for January.

Answered on October 25th 2023 by Attorney Cesar Gavidia
A: Peg, most disability insurers pay monthly disability benefits in arrears, in other words, payments are made fo... Read More >

Q: Would any new disabling conditions be considered by Metlife when considering whether or not to continue my benefits?

Answered on October 11th 2023 by Attorney Gregory Dell
A: The change in diagnosis will likely lead to denial so please explain the situation to your treating doctor. Me... Read More >

Q: MetLife: Mental Health and Physical Disabilities

Answered on May 31st 2023 by Attorney Gregory Dell
A: If you have physical disabilities that prevent you from working then you have options to get around the mental... Read More >

Q: Can my employer switch my job because I go on LTD?

Answered on April 6th 2023 by Attorney Gregory Dell
A: Maggie, your employer, under the Family Medical Leave Act (FMLA), is only required to protect your job for 12 ... Read More >
Helpful Videos
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Showing 12 of 896 Videos
Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

How Does Having A Disability Lawyer Help Me Fight For Metlife Disability Benefits?

Metlife is one of the top five largest long term disability insurance companies. They have tons of resources and people that they rely upon to evaluate long term disability claims. Our disability insurance attorney have handled thousands of long term disability insurance claims and have the experience to give a claimant the best opportunity to collect long term ... Read More >

What Should I Expect if Metlife Wants to Send Someone to Interview me?

Metlife has a team of full time employees that go around the country interviewing long term disability claimants. These interviews are often used as the basis to deny a long term disability claim. In this video, disability insurance attorney Gregory Dell some discusses some basic things to expect if an interview has been requested. Our lawyers are available to h... Read More >

MetLife Disability Buyout and Lump Sum Settlements are Back

MetLife is one of the top five largest group and private disability insurance companies nationwide. As of January 2016 it appears that Met Life is now interested in considering the buyout of a claimant's group long term disability policy. MetLife has always done buyouts of individual disability insurance policies.For the past ten years Met Life was not interested in buying out the disability policy of a cl... Read More >

Metlife - Latest trends seen in handling ERISA and private disability insurance claims

In this video nationwide disability insurance lawyers Gregory Dell and Cesar Gavidia discuss the latest trends they are seeing in Metlife's handling of both ERISA and private disability insurance claims.... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Teacher's Disability Benefits Reinstated by MetLife

Our client, a former elementary school teacher in Broward County Florida was forced to stop working to undergo lower back surgery with a fusion. Prior to the scheduled surgery he pre-emptively filed a short-term disability claim with MetLife, which was approved prior to his surgery. Despite the surgery being a “success”, it did not alleviate his pain complet... Read More >

MetLife Denies Disability Benefits and Tells TFORCE Truck Driver Its Safe For Him to Drive

Our now client was formerly employed as a Truck Driver for TForce Logistics, which, as some may know, is one of the biggest transport and logistics companies in North America. A lifelong truck driver, our now client loved what he did and loved who he worked for. Unfortunately, various sicknesses and injuries were impacting his ability to do the job tha... Read More >

Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal

Our client came to us after her claim for long term disability insurance benefits was denied by MetLife.  Prior to filing this claim, she worked for the Harris Corporation which is now known as L3Harris Technologies, a technology company and defense contractor. In fact, as part of her occupation as a Contracts Manager, she worked on a base in a building tha... Read More >

MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain

Our client, a former Executive Assistant at American Express, filed a claim with MetLife under American Express's short term disability policy on account of severe cervical and thoracic pain with resulting radiculopathy that made it impossible for her to execute her job duties. Based on the medical information provided, MetLife quickly approved our client's for claim for short term disability with little resis... Read More >

MetLife Approves Disability Benefits to Dentist With De Quervain's

Prior to contacting our office, our client filed a claim for long term disability benefits under his individual disability insurance policy with MetLife on account of de Quervain’s Tenosynovitis, a condition affecting the tendons of the thumb and wrist that resulted in severe pain in his dominant hand, especially with grasping. Given the nature of his occupation as a Dentist, and the fact his condition was a... Read More >

Dell Disability Lawyers Successfully Appeals Metlife Denial of Benefits to Veteran

Mr. A contacted our firm after being denied benefits by his employer’s group disability carrier, MetLife. He had been working as a supervisor for a large manufacturer of heavy duty automotive components. His job required him to perform prolonged physical activities like climbing, kneeling, standing, pulling grasping, lifting and working with various tools.He was suffering from a long list of medical cond... Read More >

Metlife Overturns Denial on Appeal by Dell Disability Lawyers

Mr. W was working as a Quality Assurance Engineer for a major technology company when he was forced to stop working at the age of 52. He had been suffering from severe heart disease and co-morbid complications. He also suffered a heart attack and had a progressively worsening diabetic foot ulcer which required him to use a knee scooter to ambulate.After filing a claim for disability benefits under his empl... Read More >

Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara

To say my client had an intellectually demanding job is an understatement. The corporation he worked for operates in 35 countries and employs over 12,000 people worldwide. As a Senior Global Tax Director, amongst many duties, he was charged with developing and coordinating the Tax Policy of the company to ensure timely international tax compliance filings and execution of tax strategies. It was certainly an oc... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable

In Anne Ehlert v. Metropolitan Life Insurance Company (MetLife), Ehlert was a consulting pension actuary for pension plans at Towers Watson. Her first day of work with Towers was September 8, 2003. Her last day of work was December 23, 2015. In August 2016, she applied for long-term disability (LTD) benefits under her employer’s disability insurance benefit plan which was administered by MetLife.In thi... Read More >

Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data

In Roberts v. Metro. Life Ins. Co., C.A. No. 6:18-cv-725-TMC (D. S.C. Sept. 3, 2019), Plaintiff worked for IBM for more than eighteen (18) years when he stopped working in September 2010 due to intractable migraine headaches and cervical pain. He filed claims for Social Security (“SS”) disability benefits and short term disability (STD) benefits with MetLife, which is the claims adminis... Read More >

California Federal Court Overturns MetLife’s Denial of Disability Benefits

Application for Long-term Disability Under Kaiser Health PlanRenee Monroe worked as a Human Resources Compliance Specialist for Kaiser Foundation Health Plan, Inc. (“Kaiser”). Beginning in 2013 Ms. Monroe began experiencing significant low back pain and was taking off of work by her physicians. An MRI of her lower back indicated diffuse disk bulges at the L5-S1 vertebral disc. Ms. M... Read More >

Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation

In Monroe v. Metro. Life Ins. Co., 2020 WL 143005 (E.D. Cal. March 24, 2020), Plaintiff worked for Kaiser Foundation Health Plan, Inc. (“Kaiser”) until 2014 when chronic lumbar back pain caused her stop working. She applied for long term disability benefits (LTD) but was denied. Plaintiff hen filed suit under the Employee Retirement Income Security Act of 1974 (“ERISA”) to recover benefits due to her.... Read More >

MetLife Pre-Existing Condition Disability Benefit Denial for Back Injury Reversed

Does a Pre-Existing Back Injury to L4-5 Preclude Benefits for an Injury to L2-3?In Karl Meche v. Metropolitan Life Insurance Co., (MetLife), Plaintiff had worked for about six months as an account manager for Air Liquide USA LLC, when he injured his back at work. On July 20, 2016, he was moving a cylinder for his employer when he heard his "back pop." He reported the injury to his medic... Read More >

Programmer Denied LTD Benefits by MetLife Upheld by Court

In the case of Robert Gordon v. Metropolitan Life Insurance Company (MetLife), Plaintiff was a Senior Staff Systems Programmer with Borland Software Corporation from 1989 until he was fired on May 1, 2002. He suffered from a multitude of psychological and physical conditions including depression, anxiety, and post-traumatic stress disorder (PTSD). He claimed these problems were all due to harass... Read More >

MetLife's Denial of LTD Benefits Was Based on Substantial Evidence

The Plaintiff in Patricia Ann McNeal v. Metropolitan Life Insurance Company (MetLife), was employed by Alternative Opportunities, Inc. (Alternative) as a mental health therapist when she fell in January 2014 and injured her left knee. Alternative provided short-term disability (STD) and long-term disability (LTD) insurance coverage to eligible employees.McNeal was an eligible employee of the benefit plan, ... Read More >

Met-Life Denies Benefits when Claimant Fails to Present Evidence to Support His Claim

The case of Dionisio Santana-Diaz v. Metropolitan Life Insurance Company (MetLife) demonstrates how important it is for claimants to present as much medical evidence as possible to the plan administrator who is evaluating the claim for Long Term Disability (LTD) benefits. Despite many opportunities to do so during the initial evaluation and subsequent administrative appeal, Santana failed to provide the reques... Read More >

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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