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.

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There are 2 comments

  • 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 JessupMar 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?

    ConnieMar 16, 2015  #1

FAQ

Do you help MetLife claimants nationwide?

We represent MetLife clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a MetLife disability insurance policy?

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.

How do you help MetLife claimants?

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:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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 telephone, e-mail, fax, GoToMeeting.com 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 800-682-8331 or by email. Lawyer 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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I always have doubts about lawyers, but Stephen Jessup from Dell & Schaefer, a confident lawyer, convinced me that he would work my case and that he has done. Make no mistake I was skeptical at first as I’ve been burned before with other lawyers, but his commitment to getting was best for his client is his priority.

His staff Michal Mizrahi provided excellent communication and kept me abreast of my case. I put my trust in him to make the best decision for me and I’ve told him that. This is the level of confidence I have in him.

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