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 over 12,000 people worldwide. As a Senior Global Tax Director, amongst many duties, he was charged with developing and coordinating the Tax Policy of the company to ensure timely international tax compliance filings and execution of tax strategies. It was certainly an occupation that required intelligence, knowledge and constant research into the ever changing tax laws of various countries. While challenging, his work was rewarding both mentally and financially.

Unfortunately in September of 2016, he was forced to stop working due to serious mental health issues. His conditions severely impacted his ability to focus and concentrate which were certainly required with his intellectually demanding occupation. There was just no way he could continue working while suffering through his symptoms as one error could result in serious issues for the company. Luckily he had coverage under a Group Long Term Disability Insurance Policy with MetLife. After filing for his claim, MetLife agreed he was disabled and benefits began on March 1, 2017, after the client satisfied the 6 month elimination period. Unfortunately this approval did not last long. As of March 28, 2017, MetLife determined he was not eligible for continued benefit. It seemed as if MetLife believed that he was magically better.

Relying upon a review by a “Clinical Consultant”, MetLife came to the conclusion that there was no evidence of ongoing impairment or treatment escalation to support impairment after March 28, 2017. As such, it denied further benefits. Confused as to how he could possibly be denied as he was still suffering from numerous issues, the Tax Director called our law firm for Assistance.

Appeal by Attorney Palamara:

After reviewing the short denial letter and speaking with the former Tax Director, it was obvious that MetLife’s decision was wrong and the review it had relied upon was shoddy or just based on incomplete information. An appeal strategy was put together and ultimately a timely appeal was filed. The appeal focused on the medical records of our client’s treatment. We also worked with one of his psychiatric providers who agreed to provide supportive statements which showed that our client was markedly limited in many intellectual areas. Also, the appeal challenged each of MetLife’s arguments in its denial letter. Remember, MetLife had tried to state that there was no evidence of ongoing impairment or treatment escalation. As such, we showed indisputable evidence of what they alleged was missing. Not only did we provide all the relevant medical records, we also summarized his ongoing treatment history which proved that MetLife’s contentions were just wrong.

Essentially, we proved that MetLife ignored evidence it was provided and we proved that our client satisfied the definition of disability.

CLAIM IS RE-APPROVED

We can fortunately report that after 90 days of reviewing the appeal, MetLife made the determination that “the previous claims decision will be reversed and (our) client’s benefits will be reinstated.” Our client was paid all the benefits owed to him from March 29, 2017 through the date he was reapproved. He is set to continue on claim into the future, though his benefits are likely limited to a total of 24 months as his policy has a mental illness limitation which limits claims for mental illness to a total of 24 months. However, our client knows that Attorney Palamara will do whatever it takes to ensure that he receives all the benefits he is possibly owed under the policy.

If you have been denied benefits by MetLife or have any questions regarding a long term disability insurance policy, please do not hesitate to contact us. We always offer a free consultation and you will always speak with an attorney.

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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.

Dell & Schaefer Client Reviews   *****

John B., MD

In my first phone conversation with Greg Dell he asked a series of probing questions for about ten minutes, and one could sense he was building an understanding of my case and me as a person. I have worked with him almost a year, and he has always been available with a thoughtful answer to any question or concern. He has a thorough knowledge of my disability policy and the workings of a major insurance company like Unum. I have a distinct feeling that Unum knows it will not be able to take advantage of me. Greg has an uncanny insight into the core of any issue and is always thinking several steps ahead. At first I found this amazing, then -remembering he was on my side – comforting.

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