- Metlife Info & How We Can Help
- How To Apply For MetLife Short & Long Term Disability Insurance Benefits
Let's Get Your Application for Metlife Disability Benefit Approved the First Time
Getting approved for a Metlife disability insurance claim can be difficult if you don’t submit a strong application. In our video above we discuss tips on how to get Metlife disability benefits approved. Metlife sells both group / employer provided (ERISA governed) and individual disability policies. The steps that must be taken to get approved for both types of policies are the same. Whenever we assist clients with applying for benefits we start by establishing the client’s goals of how long the client wants to get paid and maximizing all available benefits under the policy. Some policies allow a claimant to continue working part time and still collect full disability. Other policies allow a claimant to change occupations and still collect 100% disability. The first thing our disability attorneys do in every claim we handle is to provide a free disability policy review and discuss if your situation will allow you to get every benefit from your disability policy.
Five Most Important Steps to Take For Met Life Disability Approval
Step 1: You must understand all of the terms and conditions of your disability policy(s). A disability policy is sold with optional language and therefore not every Metlife disability policy is the same. The definition of disability in some policies may be “unable to perform the duties of your own occupation”; whereas other policies the definition is “unable to perform the duties of any gainful occupation”. Both of these definitions are very different and will have a significant impact on how you present your claim. The Metlife disability policies usually contain clauses that can limit the period of time that benefits may be paid. For example Metlife policies can have a mental nervous limitation of 12 months, a self-reported pain limitation of 24 months and neuromuscular- skeletal limitation of 24 months.
Step 2: Doctor support is the most important element of a claim for disability benefits. A claim can never be approved without support from your doctor. Metlife requires your treating doctor(s) to complete and Attending Physician Statement (APS) as part of your initial application for benefits. In addition to the APS, the medical records documented by your treating doctor will be reviewed and highly scrutinized. Your medical records must have detailed physical exam notes, diagnostic test results, and most importantly document all of your complaints and limitations. Doctors are not great at writing everything down in your medical records and unfortunately the medical records do not reflect the true picture of what you are experiencing. Almost all medical records are electronic now which means your medical records are typed into a computer program that already has pre-filled forms. A lot of doctors don’t change the forms with each visit and many symptoms you are experiencing often go without being documented. When you submit your claim, Metlife reviews the records and they will attempt to argue that your medical records do not support your complaints. Our disability lawyers work closely with you and your doctor(s) to make sure Attending Physician Statements are completed properly and we educate or clients on how to get their doctors to document strong medical support in your medical records.
Step 3: Metlife requires submission of a Claimant Statement. The required claimant statement is very generic and we always draft our own addendums so that we can present the claim in the best manner possible. The Metlife claimant statement provided limited space to describe your medical symptoms and your occupational duties. Presentation of your occupational duties must be done in a strategic manner as Metlife is known for trying to minimize your job duties to a job classification of either sedentary, light duty, medium or heavy duty. Metlife will often look at how your job is supposedly performed in the national economy and ignore the way your job is actually performed. Our lawyers work with you and your employer to make sure the duties of your job are clearly presented. In group disability policies Metlife has an Employer Statement that must be completed by your employer. The Employer Statement must be completed consistent with what your actual job duties are not just list a job title. There are a lot of questions on the claimant statement and it is essential that you never misrepresent or exaggerate any of your responses.
Step 4: Once you notify Metlife about your disability claim they will want to have an immediate phone call with you. When we are representing a claimant we always prep you for this call and we attend the call. During this phone call you need to be short and sweet with your answers as it is recorded and it will be relied upon as a foundation of your claim. In some situations Metlife may have already ordered video surveillance of you and they are using this phone call to try to get you to say something inconsistent with your video recorded activities. Once again, do not misrepresent or exaggerate any of your symptoms.
Step 5: It is very helpful to obtain copies of all your medical records prior to submitting a claim for benefits. A detailed review of your medical records can identify some immediate inconsistencies or mistakes that may affect your ability to get approved. It is also important to have copies of your tax returns and W-2 statements for the past 2-3 years. If you are a business owner Profit and Loss Statements will be requested. If you are a doctor seeking benefits, Metlife will be asking for your CPT production reports on a monthly basis for the past 12 months and two years of reports on an annual basis. The production reports are used to analyze your occupational duties in your occupation. In some cases the Metlife will also ask for a copy of your work calendar to see a log of your daily activities.
It Takes Preparation and a Plan to Get Metlife Disability Benefits
Every claim for Metlife disability benefits is unique and it requires a plan in order for you to be in the best position to be approved. Our lawyers have helped thousands of Metlife disability claimants and we have seen just about every scenario. We encourage you to contact us for a free phone consultation so that we can discuss how we can help you to get approved and keep the benefits coming for as long as you need. We also welcome you to check out additional information about Metlife such as Metlife company reviews, resolved Metlife cases we have handled, questions and answers from other Metlife claimants and additional videos we have produced about MetLife disability claims. We look forward to discussing your Metlife disability claim with you.
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