When MetLife denies a long-term disability (LTD) claim, the aftermath can be frustrating. You may be coping with a serious medical condition while suddenly losing the income you depended on to support yourself and your family.
Unfortunately, MetLife denial letters are often written in technical language that makes it seem as though the insurer’s decision is final, even when it is not. In reality, many denied claims can be overturned with a strong, well-documented appeal crafted by a MetLife denied long-term disability claims lawyer.
At BenGlassLaw, our denied long-term disability lawyers focus on helping disabled professionals and workers fight back after unfair insurance denials. Our firm has recovered over $100 million in claims and benefits for clients, and we’re ready to help you, too.
Why Does MetLife Deny Disability Claims?
MetLife denies long-term disability claims for many reasons, and the denial is not always based on a fair or complete evaluation of your condition. Understanding the most common justifications MetLife uses is the first step toward building a successful appeal.
Alleged Lack of Medical Evidence
MetLife often claims there is “insufficient objective medical evidence” to support disability, even when treating physicians clearly document symptoms, limitations, and diagnoses.
Vocational Assumptions
MetLife may assert that you are capable of performing “sedentary” or “light duty” work, even when the medical and vocational evidence clearly shows otherwise.
Procedural or Technical Errors
Missing forms, incomplete paperwork, unsigned documents, or missed deadlines are commonly cited as reasons to deny a claim, regardless of the severity of your medical condition. Even minor administrative issues can be used to justify a denial.
Alleged Failure to Follow Treatment
MetLife may argue that you are not complying with prescribed treatment plans. They may decide to use this as a basis to deny benefits.
This can occur even when your medical records show reasonable adherence, appropriate treatment choices, or medically justified changes in care.
Policy Interpretation and Limitations
Complicated policy language allows MetLife to rely on exclusions, limitations, or narrow definitions of disability. Insurers often interpret these provisions in their own favor, not the claimant’s.
For a free legal consultation call (703) 591-9829
Benefits of Working With the Team at BenGlassLaw
Fighting MetLife takes more than filling out forms. It requires a strategic legal approach backed by experience and resources. At BenGlassLaw, disability and insurance law are core areas of our practice, giving our clients a powerful advantage against MetLife.
Clients who have had their long-term disability claims denied by MetLife choose us for the following reasons:
- Proven results: Our track record includes recovering over $100 million in disability claims and insurance benefits for clients across the country.
- More than a century of combined experience: Our attorneys bring over 100 years of combined experience handling ERISA disability claims, including extensive experience dealing directly with MetLife and other large insurance companies.
- Straight contingency fee: You do not pay us unless we recover benefits for you. Importantly, our fee never goes up if your case proceeds to litigation, unlike many firms.
- Robust appeals: We do not submit generic appeals. We build comprehensive, evidence-driven appeal packages designed to address MetLife’s specific reasons for denial and protect your rights if litigation becomes necessary.
- Available 24/7: Disability does not operate on a schedule. Our team is accessible to answer questions, provide updates, and support you throughout the process.
What to Do If Your MetLife Long-Term Disability Claim Is Denied
A denial from MetLife doesn’t have to be the end of your long-term disability benefits. Acting quickly and strategically is key to protecting your financial security and increasing the chances of a successful appeal.
Here’s what you can do:
- Carefully review the denial letter: Understand the specific reasons MetLife gave for denying your claim, and note any deadlines for submitting an appeal.
- Gather complete medical documentation: Collect records from all treating physicians, including updated notes, test results, and specialist reports that clearly support your disability.
- Consult an experienced LTD attorney: A MetLife denied long-term disability claims lawyer at BenGlassLaw can evaluate your case and develop a strategy tailored to your situation.
- Request any missing information from MetLife: Obtain copies of all documents, medical reviews, and internal communications the insurer relied upon in denying your claim.
- Prepare a thorough appeal: Work with your MetLife long-term disability claims attorney to submit a detailed, evidence-backed appeal that directly addresses the insurer’s reasons for denial and strengthens your medical and vocational proof.
- Consider litigation if necessary: If MetLife upholds the denial, an experienced attorney can guide you through pursuing a federal ERISA lawsuit without increasing your contingency fee, fighting for the benefits you deserve.
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We Will Investigate MetLife’s Denial from All Sides
A strong long-term disability appeal begins with identifying exactly where MetLife’s decision went wrong. We review MetLife’s denial letter line by line, closely examining the insurer’s medical opinions, vocational assessments, references to policy language, and any missing or overlooked records.
Our team will also evaluate whether MetLife complied with ERISA’s procedural requirements, including whether it provided proper notice, afforded you a “full and fair review,” and disclosed all documents relied upon in making its decision.
Once those issues are identified, we develop compelling medical and vocational evidence that MetLife cannot reasonably disregard. This evidence demonstrates how your condition prevents you from performing the material duties of your occupation.
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Take Action After a Denial With a MetLife Denied Long-Term Disability Claims Attorney
A MetLife long-term disability denial can feel overwhelming, but it doesn’t have to be the end of your benefits. With the right strategy, thorough documentation, and experienced legal guidance, many denied claims can be successfully appealed.
At BenGlassLaw, we have helped clients recover over $100 million in claims and benefits, and we are ready to stand up to MetLife on your behalf.
Call us 24/7 for a free consultation to discuss your case with an experienced MetLife denied long-term disability claims lawyer.
If your claim has been denied, it’s crucial to act quickly. To learn more about long-term disability claims, common reasons for denial, and what to expect during an appeal, visit our FAQ page for detailed answers to frequently asked questions.
Call (703) 591-9829 or complete a Free Case Evaluation form