The attorneys at Frankel & Newfield have successfully represented many Met Life disability insurance claimants in their quest for their disability insurance benefits. We regularly work with clients on MetLife short-term disability claims, as well as long-term disability insurance claims, and help our clients transition from short-term to long-term disability.
If your MetLife disability claim has been denied, or if your claim has been terminated, call Frankel & Newfield at 877-LTD-CLAIM (877-583-2524) to find out how we can help you.
MetLife is one of the world’s biggest insurance companies. Fortune Magazine ranks it as number 43 of the top 500 largest companies in America. When a working person needs to get their disability insurance claim paid, it is the battle of one person against a large corporation. This is why disability claimants have come to rely upon Frankel & Newfield when their ERISA and non-ERISA disability insurance claims are being delayed, denied, or terminated by MetLife.
MetLife sells group disability insurance protection to employees through employers (often governed by ERISA) and also directly to individuals (usually non-ERISA).
The disability insurance attorneys at Frankel & Newfield have represented many clients in battles for their disability insurance benefits. We know their strategies, including how their administrative claims process works, what their in-house counsel looks for, and how their outside attorneys work. Our experience with fighting for disability claimants against MetLife has taught us a lot about how the company seeks to deny disability claims.
Most, if not all, insurance companies use surveillance to capture claimants, and obtain videos and photos of individuals who they believe are not really disabled, or who they want to challenge – often due to the amount of the monthly benefit. MetLife tends to be more aggressive in its use of surveillance, perhaps because it has access to unlimited resources.
We counsel our clients to be mindful of their appointments, and keep an appointment calendar so that when the MetLife disability policy is challenged because of their attending doctor’s appointments, they can easily point to what they were doing on the day, date and time of the video or photograph.
Frankel & Newfield also advises all of our clients, particularly those with disability insurance through MetLife, to be very cautious about posting their activities on social media. You may only have one good day in six months, but if a photo of you taking a stroll on a beach shows up in your social media feed, or if you are tagged by someone else in a post, it will be found and used by MetLife to deny your disability claim.
Individuals who have filed for a mental/nervous disability claim are even more vulnerable than disabled individuals who have a physical disease. Unfortunately, we have had a number of experiences where MetLife has treated claimants in an antagonistic and aggressive manner. We find this unprofessional and mean-spirited, but we have seen it often enough to understand that is a strategy.
Numerous courts have chastised Met Life for its claim handling conduct. We believe that an insurance company has a right to question a claim, but does not have a right to be antagonistic towards vulnerable policy owners. Here are the ways in which we help our clients with MetLife claims:
Here are a few examples:
Our client was suffering from conditions including chronic intractable migraines, vestibular migraines, vertigo, persistent postural-perceptual dizziness (PPPD), and chronic pain, and was unable to perform the duties of her position as a Strategy Plan and Administrative Manager for a large banking institution. After her short-term disability claim from MetLife was exhausted, she applied for long-term disability and was denied. Frankel & Newfield attacked the flawed vocational analysis of her position as well as the inaccurate medical peer reviews. We won the MetLife appeal and our client receives a large disability check every month from MetLife.
Another client was suffering from Chronic Fatigue Syndrome (CFS) and was denied benefits by a few of MetLife’s “regular” reviewing doctors. The “impartiality” by doctors on MetLife’s payroll continues to be an issue. Our client got back benefits for more than three years and was on claim. Our client had several “red flag” conditions and a very high monthly benefit, both of which attracted intense scrutiny from claims representatives. A nurse reviewed her extensive medical records and failed to find any disability. We fought back – and won with a strong appeal that eviscerated their shabby review of a clearly disabled individual. She is now being paid the benefits she is entitled to.
Frankel & Newfield has many years of experience with MetLife long-term disability claims and works with many MetLife policyholders who have had their claims denied, delayed, and terminated. If you need help with a MetLife disability claim, call our office for a free consultation at 1-877-LTD-CLAIM (877-583-2524).
Secrets the Disability Insurance Companies Don't Want You to Know!