Tips To Prevent a MetLife Disability Benefit Denial

You may have received a letter from MetLife saying your benefits will continue until a certain date, which often says until the age of 65. Do not believe it. The letter fails to put in writing the important clause MetLife is essentially hiding from you: That you will receive disability insurance benefits only if you continue to meet the provisions of the policy.

Each month, you risk being denied your MetLife disability insurance benefits. We want to help you understand how your claim is evaluated and provide you tips on how you can prevent MetLife from denying you your disability insurance  benefit once your claim has been approved.

Continuous Medical Treatment with Good Medical Record Keeping Can Prevent a MetLife Denial

It is vitally important that you continue your medical treatment and make sure your doctor is documenting your disabling condition. Doctors are periodically sent forms from MetLife asking them to update your condition. Depending on the nature of your disability, MetLife may ask for an update as often as every month or every two months.

At a minimum, you need to be seeing your doctor at least every 60 to 90 days. MetLife is looking for anything it can use to justify denying your claim. 

If you are not receiving regular medical treatment, they may decide that means your medical condition is no longer disabling, and you can return to work. It is important to work with your treating physicians, so they know what is expected of them and of how the way they describe your condition in the medical record can make a difference of whether your benefits continue or your claim is denied.

It Can Be Difficult to Get a Doctor to Draft Strong Medical Records and to Provide Supporting Attending Physician Forms

Almost all doctors have a system of checking boxes about your condition and care provided. Some exact portion of a previous medical chart entry will often be copied to the new update. It may not be readily evident that you have new testing results or a change in your medication.

If your record makes mention of “improving,” or “doing fine,” that may be all MetLife needs to say, “Aha. You can go back to work.” The company doesn’t look at how you have improved and what the improvement means. You may still be suffering and unable to work even if you are better compared to how you were on your last doctor visit.

You must have an honest conversation with your doctors to educate them on what you need from them in order to keep your disability benefits. This means your doctor’s notes need to show how your medical condition makes it impossible for you to do your occupational duties, whether they are the duties of your own occupation, or any occupation for which you are trained, educated, or otherwise qualified. The occupational definition depends on the stage you are at in receiving your disability insurance benefits.

Your Physicians Should Never Rely on the Limited Space MetLife Gives Them in a Disability Claim Form

The claim form given to your physician only has a limited space and does not leave much room for a detailed explanation. We always have the doctor provide an attachment which goes into more detail about why you cannot perform your duties.

There is some wording that needs to be avoided. For example, we caution them to avoid saying you “never” do X, because if the company later puts you under surveillance that shows you are doing X, then they will attack your credibility and your character.

The Monthly Claim Handling Service Offered by our Law Firm is Unique for Many Reasons

At Dell & Schaefer, we offer a unique monthly claim handling service. When you use our service, we take over every aspect of keeping your claim updated. We monitor closely, and all communication from MetLife comes to us.

We are proactive in making sure you are doing all that you need to do to stay on claim. We work with your doctors to educate them on what documentation we need and the wording of your limitations and restrictions that we have found acceptable to MetLife. We make sure your medical records are strong and support your claim.

We are always available to answer your questions. We protect you at every step of the way. It appears that when MetLife sees a lawyer is involved, they may be more careful at what they require of the claimant.

If you are interested in our services, contact us. We work with clients all over the country and we offer a free and immediate phone consultation to determine how we can help you. Call us at (800) 682-8331.

Questions About Hiring Us

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.

Dell & Schaefer Client Reviews   *****

John S.

Integrity and honesty is an important attribute to me. My Dell & Schaefer (D&S) attorneys meet and share these attributes. D&S have an entire staff dedicated to serving their clients. They’re all very approachable and friendly while keeping the client’s best interests at the forefront. You can contact or call them at the drop of a hat and they’ll assist you. You’re not treated like a number; you’re a respected individual and friend. They care. That’s how they make me feel. They often ask how I’m doing; how I’m feeling (I’m in a lot of pain). Most of all, under their protective umbrella, you don’t have to deal with the insurance company. D&S does all that. They keep things straight. It’s comforting. I would not hesitate to recommend them first and foremost for any disability legal needs.

I’m a retired Army Soldier. I’ve been disabled for about four and a half years. I was working for a company (post-military retirement) when I became disabled after an unsuccessful service connected C-spinal surgery that caused me serious complications. My disability is permanent. I had disability insurance with the company that I worked for as an added benefit. After I went down, and once I met the 6 month period for long term disability, the Hartford insurance company began paying monthly disability payments; however, they were always requesting additional information. It was always repetitive information, non-stop, i.e., asking for the same information I had provided only a few months prior.

They wanted repetitive doctors’ statements. I saw many doctors in my state in an attempt to fix or reverse what was damaged during my surgery in an attempt to return to work. My doctors all said the same thing. My medical condition was permanent. They all said I would not improve or get any better through more surgery or physical therapy. In fact, it might have gotten worse if I tried more surgery. There was nothing the neurosurgeons could do for me other than pain management, and continued PT for pain management to improve my quality of life. My disability insurance company continued to hound me for additional information despite what the doctors had already provided to them. It was ridiculous and it was obvious that the insurance company was trying to find anything to negate the policy.

About 18 months ago the Hartford insurance company requested an “in-home” interview with me. Despite the fact that my medical documentation was excellent and well documented regarding my disability, I had grown tired of dealing with this company on my own. It had become stressful to the point that my health was suffering even more. I had no idea how to handle this powerful company at the pending interview and I felt I needed legal representation to get them off my back protect my rights during the interview. That’s when I decided to enlist the help of Gregory Dell. I found him on the internet, watched several of his You-tube videos, and I was convinced that he was the legal representation I needed to guide me and protect me from this insurance company and my right to disability benefits.

From the moment I contacted Gregory Dell and his attorney associate Alex Palamara, the lead attorney who handles my case, I was treated with respect and dignity. With little notice, both of these attorney’s guided me through a successful interview with the insurance company. They were present (via telecom) during the entire interview, which took about two hours. They had told me to be myself and to be totally honest with the investigator during the interview. That I was, but when I was offering too much information to the investigator, they would tell me when to stop. They’re experts in disability legal matters. I’m not and I listened carefully to their advice and direction. I’m glad I did.

***** 5 stars based on 202 reviews

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