MetLife Long-Term Disability Denial
Metlife is among the largest providers for long-term disability insurance. Each year, millions of Americans purchase MetLife long-term disability policies to cover them in the event that they are no longer able to perform the duties that their job requires of them. A large percentage of these claims are denied for reasons that don’t make a lot of sense to them. Robinson & Warncke protect their investment and ensure their policy pays out when they need it the most.
MetLife LTD Claims Process
It’s no secret that insurance companies make money by denying claims. What flies under the radar is that they also make money by delaying claims. Giving policyholders the runaround has thus become a standard operating procedure for major insurance providers like MetLife. If you feel that MetLife has unfairly denied or delayed your claim, you should contact an Atlanta, GA disability lawyer immediately. Common red flags indicating your claim is not being processed fairly include:
- Requests for independent medical examinations (IMEs) by under-qualified medical professionals;
- Multiple requests for duplicate information;
- Requests to settle the claim for less money than it’s worth;
- Unwillingness to render a decision in a reasonable amount of time; and,
- Minimizing medical evidence that supports your claim.
Why does this work? Because some policyholders don’t fight back. Long-term disability policies pay out large sums of money across several years. If it works even 10% of the time, then that’s more money in the company’s coffers.
Unfair MetLife Long-Term Disability Denial Tactics
While it’s typical for insurance companies to request more information following an initial claim, MetLife is known to provide ambiguous or misleading information in regards to what information they require to complete the claims process. Additionally, they incentivize their independent medical examiners to minimize your injuries and subsequently deny your claim. Lastly, they fail to consider the duties of your individual job when denying your claim. In other words, they will claim that you can still do your job with your disability based on a false description of your job.
In the past, MetLife has:
- Used in-house nursing staff to review and deny complex medical claims;
- Elicited the aid of doctors whose primary clientele is insurance companies;
- Antagonized or sought to aggravate policyholders seeking claims for mental health or nervous conditions;
- Sent doctors incomplete paperwork preventing the doctor from giving an accurate or complete opinion on the claimant.
MetLife’s Use of Surveillance to Deny Disability Claims
MetLife is a very large company with nearly unlimited resources. They can certainly outspend anyone who attempts to make a claim on their policy. Big insurance companies like Metlife are known for performing background checks on claimants, scouring their social media accounts, and even sending private investigators to snap photos of claimants doing things that compromise their claim.
We Can Help You Appeal
If MetLife denied you claim, we can help you file an appeal. To learn more about appeals, read our article Should I Handle My Own Appeal?
Robinson & Warncke Can Help You Fight a MetLife Long-Term Disability Denial
If you received a MetLife long-term disability denial, don’t be intimidated. MetLife banks on policyholders giving up early in the process. Robinson & Warncke can help you continue to file paperwork with the insurance company and ensure that they don’t get away with bad faith practices. Contact us today to learn more.