What to Expect in a MetLife Disability Benefit Denial Lawsuit

You probably feel as if the Appeal review conducted by MetLife was a sham and you never had a chance to have your MetLife disability benefit denial reversed. Your feeling of being called a liar by MetLife and questioning if it is even worth filing a MetLife disability lawsuit is exactly MetLife’s plan. The sad truth is that the law governing long term disability insurance claims favors disability insurance companies and therefore a high percentage of MetLife disability appeal denials are upheld. MetLife hopes that you will just go away and that they can strong arm you to return to work out of financial necessity. The good news is that with a strong legal strategy your MetLife disability benefit lawsuit can result in a recovery of your disability benefits.

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What Should You Expect In A MetLife Disability Lawsuit?

Through our experience of having helped thousands of MetLife disability insurance claimants nationwide, we would like the opportunity to help you win your MetLife disability benefit lawsuit. In order to help you understand what to expect in a MetLife disability lawsuit, Attorneys Gregory Dell and Cesar Gavidia have prepared the MetLife disability lawsuit video below. We encourage you to contact any of our disability insurance lawyers for a free immediate review of your MetLife disability claim denial.

When Can A MetLife Disability Lawsuit Be Filed?

The answer to this question depends on whether you have a claim that is governed by The Employee Retirement Income Security Act, also known as (ERISA). If you have a MetLife disability claim that was provided to you as an employee benefit, then your claim is almost always governed by ERISA. An ERISA disability lawsuit cannot be filed against MetLife until you have received a denial of the appeal you submitted to MetLife. 

An ERISA lawsuit usually must be filed within either 3 years of your date of disability or the date of the final disability denial decision. If MetLife fails to make a timely decision on your appeal, you can file suit without having to wait for MetLife’s appeal decision. The law governing time periods to file lawsuits is known as the Statute of Limitations and it is an area of law that is regularly changing and not consistent from state to state. In a Non-ERISA disability benefit claim denial, an appeal is usually not required by MetLife and most lawsuits can be filed 90 days after proof of loss is due but no later than 3 years after the date of denial. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the practices of MetLife and the particular strategies MetLife uses to deny disability claims and how the law applies to your MetLife disability appeal or lawsuit.

The period of time in which a lawsuit must be filed can be a complicated analysis determined by a combination of the policy language and the law of the state in which the person was denied. The best thing to do in many cases to avoid a statutory problem is to file a lawsuit as soon as reasonably possible.


Our Clients Have Recovered Lincoln Disability Benefits in 99% of our MetLife Disability Lawsuits


As much as we love to beat up MetLife for their wrongful disability claim denials, we know how to set our egos aside. Our goal for every client is to try to resolve their MetLife claim in the most expedient and efficient manner possible. Upon review of your disability denial letter from MetLife we can immediately let you know if you have a claim that we think we can help you with. We look forward to speaking with you to discuss your options against MetLife.

What Are the Most Challenging Issues in a MetLife Disability Lawsuit?

The most challenging aspect of any disability lawsuit is the fact that your MetLife disability benefit denial is likely governed by ERISA, a pro-insurance company federal law that governs almost all employer-provided disability policies. ERISA was designed so that insurance companies could offer affordable benefits to employees and in return have limited lawsuit expenses if a disability claim is denied. If your disability policy was not provided by your employer, then you will not have to worry about the ERISA lawsuit limitations. In our video below, disability attorneys Stephen Jessup and Gregory Dell discuss the reasons why ERISA makes disability lawsuits against a company like MetLife challenging.

Five Reasons ERISA Disability Laws Favor MetLife 

  1. No jury trials are permitted;
  2. No punitive damages;
  3. Very limited discovery;
  4. The Judge usually must apply a standard of review that defers to the insurance company’s conclusion that you are not disabled;
  5. The Judge can remand the case back to MetLife for any additional chance to review the claim and deny it again;

How Much Does Our Firm Charge to Handle a MetLife Disability Lawsuit?

The proper preparation of a lawsuit against MetLife takes a lot of legal time and our law firm is selective in the type and quantity of cases we accept. Providing the highest level of legal work and personal attention to your claim is a fundamental mode of operation for every lawyer in our firm. We are not high volume social security lawyers that are trying to handle disability insurance claims against MetLife.

We have been handling claims against MetLife for over 30 years. We only handle MetLife disability lawsuits on a contingency fee basis. This means that we charge you a percentage of the disability benefits that we recover on your behalf. If we are not successful at recovering any disability benefits for you, then you do not owe us any attorney fees or cost for the work that we have done on your behalf. 

More than 90% of the disability lawsuits that we have handled against MetLife have resolved in a one-time lump sum settlement. We encourage you to review some of our MetLife resolved case summaries to learn more about our experience. Most of our MetLife disability lawsuit settlements have confidentiality provisions which limit our ability to discuss specific details about the cases.

Collecting MetLife Disability Benefits Is A Reality

Through our 30+ years of experience suing MetLife and our daily work on behalf of MetLife disability claimants nationwide, we have seen and we are constantly aware of every claims handling technique used by MetLife. We are one of the few law firms in the entire country that has the experience of going through a jury trial and receiving a favorable verdict against MetLife. As a result of our years of battling MetLife we have established a strong reputation and a unique litigation technique that allows us to cut through the traditional 18 to 24 month delay in resolving a MetLife disability lawsuit.

We encourage you to contact any of our disability insurance lawyers to discuss some strategies for a possible resolution of your MetLife disability denial. It is incredible and sad how many people we see give up the fight following a claim denial as they don’t want to deal with MetLife. Our lawyers make the lawsuit process as simple as possible for claimants by requiring almost no time or effort by the claimant to pursue a MetLife lawsuit. Any of our disability lawyers are available for an immediate free phone consultation to discuss your MetLife claim denial.

What are the Top 10 Reasons for MetLife Disability Denials?

  1. MetLife denied the claim based on objective medical evidence
  2. MetLife’s in-house doctor denied the disability claim
  3. With no exam a third party medical company denied a MetLife claim
  4. With functional limitations MetLife denied a disability claim because claimant has the ability to perform sedentary occupation
  5. After a compulsory medical exam a doctor hired by MetLife denied the disability claim
  6. MetLife denied the claim based on a vocational consultant evaluation of employability in another occupation
  7. MetLife ignored claimant’s treating doctor’s opinion of limited work restrictions and denied claim
  8. Based on video surveillance MetLife denied disability claim
  9. My definition of disability changed from own occupation to any occupation and MetLife denied my disability claim
  10. MetLife based your denial on a mental disability and not a physical disability and therefore limited your benefits to 24 months

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.

Learn more

Sue MetLife

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

Learn more

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

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

Learn more

Negotiate a MetLife Lump-Sum Settlement

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

Learn more

MetLife Reviews
(52)

Policy Holder Rating

1.6 out of 5
Read 52 reviews
0%would recommend
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2
61%
1
38%
Timely Payments
2.1out of 5
Handling Claim
1.9out of 5
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2.0out of 5
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2.0out of 5
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
(889)
Showing 12 of 889 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 to... 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 d... 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 Lif... 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 ... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your long term disability benefits, it's vitally important that you... 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 concern... Read More >

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

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

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

One thing many long term disability claimants don't know about (or expect) from the claims re... 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 w... 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 m... 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 ... 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... 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 wi... 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 superviso... 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 b... 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 ... 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.... 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 th... 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 ... 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. (“Kai... 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 Insuranc... 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 ... 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. (Altern... 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 a... Read More >

Reviews from Our Clients

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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 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 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 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 lawyers 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 lawyers 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 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 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 lawyers 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 lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our 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 welcome you to contact any of our attorneys 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 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers 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 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, GoToMeeting sessions, or Skype. 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 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.