MetLife Disability Claims
We represent short-term disability (“STD”) and long-term disability (“LTD”) claimants against MetLife, either at the initial application level, preparing an appeal of a denied claim, or in litigation.
General Claims Process
If you have not yet applied for benefits, we can help you get started with MetLife. Initial applications include the submission of claim forms with medical and vocational details, along with supporting information from your treating doctor. MetLife then reviews your claim for eligibility, often requesting more information or even an Independent Medical Examination (“IME”). Decisions are not immediate and guidelines for prompt decisions are not always followed. If your claim is denied, appeals must usually be submitted within 180 days with enhanced evidence focused on rebutting the reasons for the denial.
Unique Facts and Challenges
MetLife commonly uses in-house nurses or doctors for evaluations. These people are employees of MetLife, with an obvious interest in the claim decision.
Our firm aims to deconstruct the rationale for MetLife’s denial. Reach out to us for assistance with a MetLife appeal, or, if you haven’t started a claim yet, for assistance in applying.
