MetLife Disability Denial Attorney

No Fee Unless We Win. Period.

Don’t lose hope. The experienced attorneys at Fields Law are ready to fight for the benefits you earned with a MetLife disability appeal.

When you pay your MetLife disability insurance premiums each month, you expect to receive the financial assistance you need when injury or illness prevents you from working. But for thousands of paying clients each year, MetLife turns a blind eye when help is needed most.

As one of the largest insurance companies in the world, MetLife has a duty to honor its policies and provide vitally essential financial benefits for those suffering from disability. But like many insurance companies, they look for ways to unfairly deny claims or terminate benefits prematurely, all in the name of padding their bottom line.

Facing a MetLife disability denial on your own is difficult. Going up against MetLife’s army of lawyers and seemingly impenetrable corporate facade can quickly leave you feeling lost and without recourse.

But the good news is that you have a powerful ally in your fight. Fields Law has built a nationwide reputation for going toe-to-toe with insurance giants like MetLife, and helping our clients win back the benefits they paid for—and deserve.

Receiving a MetLife disability benefit denial can feel like a crushing blow, but it’s important to understand that a denial is only the beginning. And with a skilled legal partner like Fields Law at your side, you can take the fight back to MetLife.

Understanding Why MetLife Denies Disability Claims

Receiving a MetLife disability claim denial when you’ve consistently paid your premiums for years doesn’t feel fair. That’s because it isn’t.

Like most insurers, MetLife is focused less on the health and well-being of their clients, and more on the health and well-being of their profit margins. MetLife’s ultimate responsibility isn’t to you, the customer—it’s to its board and shareholders. That means they will take every chance they can to deny a claim, delay payouts, or terminate benefits prematurely.

But what tactics does MetLife use to justify denying a valid disability claim? Some of the most common reasons you may receive a MetLife disability benefit denial include:

Paperwork Errors: A seemingly minor clerical error or incorrectly filed form can be a justification for MetLife to deny a claim.
Insufficient Medical Evidence: Even when your personal doctors provide detailed evidence to support your disability claim, MetLife may argue that your condition isn’t severe enough to prevent you from taking some form of work.
Policy Exclusions: Insurers like MetLife often use restrictive policy language to define what constitutes a disability under your policy. That can lead them to deny your claim on the grounds that your condition does not meet their definition of disability.
Missed Deadlines: Insurers often have strict deadlines and requirements for filing a claim. If you miss a deadline, MetLife can easily deny your claim.
Social Media Monitoring: MetLife may monitor your social media activities to dispute the severity of your disability. Posting photos that show you living in a way that contradicts your disability can cause a denial.
Termination After Approval: MetLife may initially approve your benefits, only to terminate them months or years later, claiming that your condition has improved and you are no longer considered disabled.
In-House Doctor Reviews: MetLife may use its own medical consultants, who have never met with you directly, to override your treating physician’s opinion and deny your benefits.

None of these tactics are fair. But MetLife is quite literally banking on you feeling too hopeless and distraught to fight back.

The bottom line is this: the fewer claims they pay out, the greater their profit margins—and you can believe that MetLife will look for any and every opportunity to deny your benefits.

But with help from Fields Law as your MetLife disability lawyer, we can help you turn the tables. Together, we can gather the evidence to prove your case and fight back against their underhanded tactics.

Why You Need a MetLife Disability Lawyer

When you need to file a MetLife long term disability appeal, your best bet is to get professional legal help. It’s the only way to level the playing field.

MetLife has entire teams of lawyers and claims specialists all working against you. To overcome them, you need the support of an experienced legal partner who has gone up against MetLife and come back victorious.

Working with an experienced legal partner like Fields Law is critical, because once you have been issued a letter of denial, the clock starts ticking. A MetLife disability insurance appeal must be filed within 180 days. It’s one of the many ways the system works to your disadvantage.

With Fields Law at your side, we can immediately get to work on forming your appeal. Professional help here is critical, as this is the last chance you have to submit medical evidence and documentation to prove your disability. Everything you include—or fail to include— will determine the outcome of your appeal. It can even factor into a potential lawsuit down the line in federal court.

With Fields Law’s experienced MetLife disability lawyers at your side, we handle every part of the appeal process. You get:

Personal guidance from a skilled legal partner who knows MetLife’s tactics and how to counter them.
A detailed review of your denial letter that pinpoints weaknesses in MetLife’s denial reasoning and strengthens your claim.
Comprehensive evidence gathering from your doctors, including medical records and expert opinions that support your disability.
Collaboration with vocational experts to show how your disability prevents you from performing your job, or any other suitable work.
Thorough appeal documentation that satisfies both MetLife’s policy terms and all ERISA (Employee Retirement Income Security Act) requirements.
A clear record of your appeal process, essential if the case advances to litigation.
Dedicated representation in negotiations, or if necessary, in court.
Peace of mind knowing that experienced MetLife disability insurance lawyers who understand their tactics are on your side.

Overturning a MetLife Long Term Disability denial is possible, but your best shot at success requires help from the right legal partner.

As one of the nation’s largest disability law firms, Fields Law has successfully recovered millions of dollars for our clients who’ve had MetLife disability claim denials.

Our MetLife Long Term Disability denial lawyers will work tirelessly to strengthen your claim with evidence and help you overturn your denial, reinstate benefits, and recover the missing payments you are owed.

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How Fields Law Handles MetLife Disability Insurance Appeals

Every MetLife disability appeal must follow a path outlined by federal law under ERISA. That means there are strict deadlines to meet if you want to file an appeal. It also means it’s absolutely imperative to the success of your appeal that you include every piece of key documentation that can prove your case.

At Fields Law, we provide comprehensive guidance through the entire MetLife disability insurance appeal process:

Review and Strategy

Our process begins by analyzing your policy, your claim file, and your denial letter. We deconstruct MetLife’s reasoning and build a tailored strategy to fill in the gaps that caused your initial claim to be denied.

Image of two people (from neck down) reviewing a contract.

Evidence Gathering

Our MetLife disability lawyers work with your doctors and outside experts to strengthen your case with additional medical and occupation evidence, addressing the specific points MetLife used to deny your disability claim.

A woman sitting at a desk highlighting some paperwork

Appeal Submission

We prepare a complete, detailed, and persuasive appeal within the deadline timeframe, eliminating any technical grounds for another denial

Pursuing Litigation if Necessary

If your MetLife disability insurance appeal is denied, Fields Law is prepared to file a lawsuit in federal court and continue the fight for your benefits.

Insurance giants like MetLife may appear unbeatable, but victory is attainable. With Fields Law in your corner, you’ll have the best shot at a successful MetLife long term disability appeal that will secure you the vital benefits you deserve.

Real Clients, Real Results: Fields Law’s Track Record of Success as MetLife Disability Insurance Attorneys

Fields Law has earned a reputation as a disability law firm with the experience and skill to stand toe-to-toe with the biggest insurers. Our MetLife disability insurance appeal attorneys have successfully recovered millions in lost benefits for our clients.

We’ve helped clients:

Reverse wrongful denials and obtain the benefits they deserve.
Obtain lump-sum settlements after years of delays.
Restore benefits that have been cut off prematurely.

As your MetLife disability lawyer, Fields Law is ready to fight for your benefits. Below are just a few examples of successful MetLife disability appeals we’ve won:

Successful Appeal of Denial, All Outstanding Benefits Paid

Azita, Administrative Assistant, Vancouver, Washington

Disability: Spondyloarthropathy

Problem: Azita was unable to continue working as an administrative assistant at a major healthcare provider due to the development of several rheumatological conditions, including spondyloarthropathy. After both her initial disability claim and her own appeal were denied, she turned to Fields Law for help with her final MetLife disability insurance appeal.

Success – Denial Overturned + Lump Sum Payment: Our MetLife disability lawyers analyzed the medical evidence submitted to MetLife and determined that an occupational report explaining the significant limitations Azita faced was needed. The report was submitted along with additional medical evidence as part of her final appeal to MetLife. After a brief review, MetLife determined that the denial was in error and paid all outstanding benefits to Azita.

Reinstatement of Benefits

Mark, Consultant, Chesapeake, Virginia

Disability: Cardiac Autonomic Neuropathy, Back Pain, Transient Ischemic Attack, Neuropathy, Pancreatitis

Problem: When Mark was diagnosed with a variety of heart problems, the dizziness and chronic fatigue made his work as a consultant impossible. He applied for Long Term Disability benefits through his employer’s insurance plan, and was initially approved to receive benefits. However, a few short months later, MetLife ceased payments, claiming Mark was capable of returning to work.

Success – Reinstatement of Benefits, Plus Back-Pay: Appalled at MetLife’s decision, Mark turned to Fields Law for help. After reviewing his claim with MetLife, Fields Law attorneys discovered errors made when they reviewed the medical evidence. Our team drafted a strong appeal highlighting MetLife’s own review errors, along with Mark’s updated medical records. MetLife changed their decision, reinstating Mark’s benefits and paying a lump-sum payment for back-pay.

Successful Appeal of Denial

John, Electrical Engineer, Huger, South Carolina

Disability: Vestibular Disease

Problem: An electrical engineer, John was diagnosed with vestibular disease caused by chronic dizziness, balance problems, and migraines. This caused him to spend many days in bed, ultimately preventing him from resuming his engineering work. He applied for Long Term Disability, but was denied by MetLife, stating that the medical evidence did not support that his disability prevented him from his job.

Success – Decision Reversed, Monthly Benefits + Back-Pay: Left wondering where to turn, John found the attorneys at Fields Law. Our MetLife long term disability appeal lawyers meticulously reviewed all of the insurance company’s records on John’s claim, along with updated medical records and reports from his neurologist. Our team drafted a winning appeal that successfully refuted MetLife’s arguments, forcing them to honor John’s benefits. He was awarded the monthly benefits that were rightfully his, along with the back-pay he was due since his initial claim.

4035

cases won nationwide

1364

lawsuits filed

$24798357

in benefits recovered last year alone

See the full list of our case wins and lawsuit results here

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Don’t Let a MetLife Disability Benefit Denial Leave You Feeling Hopeless: Contact Fields Law Today

If you’ve already received a MetLife disability claim denial, time is of the essence. Contact Fields Law now for a FREE initial consultation. It costs nothing to get your questions answered today, and with our Win-Win Guarantee™, you pay nothing unless MetLife pays you.

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Successfully representing clients in all 50 states has given us a depth of local experience and a national reputation of winning for our clients

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