Did MetLife Long-Term Disability Insurance Deny Your Benefits?

The last thing you feel like doing when your health is poor and you can’t work is fighting with an insurance company.

But if you have MetLife for your long-term disability (LTD) coverage and you find out they’re refusing your benefits, you still have a chance to reverse the decision.

In fact, this can make the difference between a financial crisis—and having the financial means to focus on taking care of yourself.

MetLife is a large, national company based in New York. Employers around Detroit and Michigan use it for long-term disability insurance.

Delta College in University Center uses MetLife for its employees. The Michigan Manufacturers Association has a group policy with MetLife. The state government of Michigan has used MetLife in the past.

When it wants to keep you from getting benefits, MetLife will use common tactics you find across the insurance industry.

At Levine Benjamin Law Firm, we’ve seen it all before.

We have experience with cases involving MetLife.

And we know how to fight back.

If My Benefits Were Denied, Can I Appeal?

When any insurance company denies your claim, you can—and should—appeal the decision.

We often see people winning benefits when they appeal.

To succeed with an appeal, you must provide strong medical evidence that counters the arguments the insurance company experts used to deny your claim.

Sometimes the insurance company will tell you all you have to do when you appeal is write a letter.

But that’s not enough.

You need to get a follow-up appointment with your doctor and a fresh report of your health status to show why the insurance company’s reasons for denying you were wrong.

A Levine Benjamin lawyer can help you build your appeal.

You don’t pay anything to talk to us about your case. And you don’t pay an attorney’s fee until you win.

MetLife Long-Term Disability Insurance in Detroit: Sometimes insurance companies end your benefits by switching to a different definition of disability.

Sometimes long-term disability insurance companies end your benefits by switching to a different definition of disability.

If My Benefits Were Terminated, Can I Restore Them?

A common practice among insurance companies is to pay you benefits for a while—often two years—and then terminate your benefits, saying you could go back to work even though you know you can’t.

The reason they awarded you benefits at first was that they held you to a different, more forgiving standard.

As long as your health kept you from doing the same job you had before—what the insurer calls your “own job”—you qualified for benefits.

Then they changed it on you.

Now, your insurance company says, you only qualify for benefits if you can’t do “any job.”

Any job can mean anything that exists in the economy. The job doesn’t have to be in line with your background or experience. It doesn’t matter if the job would pay much less than you made before.

When an insurance company does this to you, you need a new assessment from a vocational expert on whether you truly could go back to work at all.

Working with a Levine Benjamin lawyer helps you gather all the elements you need to successfully take on the insurance company.

MetLife Long-Term Disability Insurance in Detroit: A lawyer can protect your rights under your insurance policy.

A lawyer can protect your rights under your long-term disability insurance policy.

Standing Up for You

If MetLife—or any long-term disability carrier— is giving you trouble, you need to safeguard your rights under your insurance policy.

After all, you, or your employer, paid for this coverage.

It’s supposed to be there for you when you need it.

At Levine Benjamin, we stand up to get you the maximum benefits you’re owed.

What would you like to do?

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