Beware: MetLife Disability Insurance Policy Only Provides Three Years to File An ERISA Lawsuit

In a recent long term disability case out of the Puerto Rico United States Federal District Court, a long term disability claimant’s ERISA lawsuit was dismissed when the court ruled that MetLife’s three year period to file a lawsuit following a claim denial is enforceable. In the case of Santana-Diaz v. Metropolitan Life Insurance Company, which was not handled by our law firm, the claimant argued that the disability denial letter did not warn him about the deadline to file a lawsuit so he was not aware of the limited time period. The Puerto Rico court held that the disability denial letter did not need to contain any notification of the period to file a lawsuit.

According to nationwide disability attorney Gregory Dell, “Not every long term disability policy contains a limited time period to file a lawsuit, but if a claimant has their benefits denied they should take immediate action to file an ERISA long term disability lawsuit.” In rare circumstances, if a claimant can demonstrate EXTRAORDINARY CIRCUMSTANCES for failing to file a lawsuit within the policy timeframes, then the court has the power to toll the time period and allow the lawsuit to move forward.

If the policy does not specify a time period to file a lawsuit, then the policy may state the law of a specific state which will govern, the law of the state where the breach occurred, or the law of the state where the policy was delivered. It is not always clear which states law applies to a specific long term disability claim. The facts and circumstances of every disability insurance case are different.

Our long term disability insurance lawyers have helped thousands of claimants. We can help you at any stage of your long term disability insurance claim and we always offer a free consultation.

Comments (2)

  • Connie,

    Your employer is responsible for providing a copy of the policy. I would suggest you contact your HR department and request a copy of the policy in force at the time you went on disability.

    Stephen Jessup Mar 17, 2015  #2

  • Hartford and my insurance company will not supply a policy. They say there is no policy because I got policy through my company, GE. Can they do that, not have a policy?

    Connie Mar 16, 2015  #1

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Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from MetLife. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by MetLife.

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Our lawyers help individuals that have either purchased a MetLife long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with MetLife:

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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.

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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.

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No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, 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.

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