As many as 25% of American workers will experience an unexpected illness or injury that will prevent them from working. In the event of a long-term disability, insurance policyholders expect their insurance coverage to be there as a financial support system. However, for people insured by Metropolitan Life (MetLife), that may not be the case.
Unfortunately, large insurance companies like MetLife often employ unfair practices to deny legitimate disability claims and increase their revenues. Unfair or bad faith practices include asking for large amounts of paperwork, delaying decisions on a claim, trying to settle a claim for less than its value, or requesting exams by independent medical professionals. If you have received a MetLife long-term disability denial, there are things you can do to appeal the decision.
Insurance companies are required to provide benefits using good faith practices such as providing information about the application process, answering questions, and making decisions within a reasonable amount of time. Here are some of the bad faith practices you may encounter from MetLife or other big insurance companies:
Part of the reason that insurance companies employ these tactics is they count on policyholders to give up if they make receiving benefits too difficult. But remember: You have options. With the help of an LTD, you can appeal a denial and fight for your benefits.
As a policyholder, make sure you are familiar with the terms of your policy. Read it carefully and thoroughly, especially the “small print.”
Be sure you understand how the insurance company defines disability, what benefits the policy will provide, and how long you may receive benefits. If you have questions you can contact the insurance company or check with a good disability attorney such as the lawyers at CJ Henry Law Firm LLC.
Filing a long-term disability claim with MetLife or any other insurance company can be daunting. Take your time and read all the information completely. In particular, make a note of any deadlines associated with your claim filing.
Be sure your medical records are up-to-date and that you have test results as well as written reports from your physician and other health care professionals you may see.
If you feel your disability claim has been denied unfairly, it’s time to seek the assistance of an experienced disability lawyer.
CJ Henry Law Firm PLLC can review your claim and help you challenge a MetLife long-term disability denial. To speak to an Ocala FL long-term disability attorney, contact us today.
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