MetLife and Long Term Disability – Appeal of a Denial Letter

Hi. I’m Nick Ortiz. I’m a board certified disability attorney in Florida.

Today I’m here to talk to you about MetLife. MetLife is short for Metropolitan Life Insurance Company.

MetLife is one of the largest, long-term disability insurance companies in the world.

You’re probably here today because MetLife has denied your long-term disability claim or has unreasonably delayed its decision-making in your claim. There are several reasons why MetLife may have denied your long-term disability claim.

First and foremost, and perhaps the most likely reason is that they had one of their doctors review your file, and their doctor has placed few very limitations on you, and therefore the insurance company believes you could work based on the limitations identified by their doctor.

Another reason why MetLife denies claims is because they may have had your file reviewed by a vocational expert. And this vocational expert gives an opinion that there are jobs that you can do given the limitations identified by their doctor.

A third reason why your claim may have been denied or terminated is because of a change in the definition of the term disability. What that means is, most policies define disability as whether you can perform the material duties of your job for the first two years, but then that definition changes such that they look to see whether you can do any job, or what we call any occupation after two years. And in many cases, the insurance company says, we understand you could not do the material duties of your job, but we believe that you could do the material duties of other types of work, and therefore they cut you off of your benefits.

Another reason why MetLife may have denied your claim is because they say that there is insufficient medical evidence to support the case. That doesn’t mean that you don’t have a problem what they’re saying is, that they don’t believe that your problem is significant enough to limit you from doing work activity. For example, in a back pain problem, they may say that the MRI from your medical records does not show a significant enough problem to cause the types of pain that you’re experiencing, and therefore they don’t believe that your pain would keep you from working.

But here’s an interesting side note about the insufficient medical evidence argument. They may not have all of your medical records, and that is one of the key things that we can assist our clients in is making sure that the insurance company has all the evidence it needs to make the decision in the claim.

And I’ll give you one more reason why they might’ve denied your claim. These insurance companies in today’s day and age, they’re conducting video surveillance, so they may have hired a private investigator to follow you around and record you, and they may say that your activities in the video recording are inconsistent with a disability, and they also may be conducting surveillance by going to social media, checking you out on Facebook or Twitter, and they may say that the photos or comments that you make in those areas are inconsistent with a disability.

So if the insurance company has denied your claim, you have rights. You have the right to file an appeal, and or file a lawsuit suing the insurance company for the wrongful failure to pay you benefits. That’s where we can help, we can help you with either filing the appeal, or filing a lawsuit. So if you want to work with an experienced long-term disability attorney, then I encourage you to contact us right away at 850-898-9904. If you’d like additional information then I encourage you to download a book that I wrote, called The Top Ten Mistakes That Will Destroy Your Long Term Disability Claim. You can claim a free copy at We look forward to hearing from you.