Houston LTD Attorney – MetLife Disability Insurance

MetLife is perhaps one of the largest and most recognized disability insurance providers in the world. With thousands of policyholders right here in Houston, MetLife has an important role in helping out our local workers and other community members who have suffered a debilitating injury or are otherwise disabled. We at Herren Law understand the importance of disability benefits and the relief that stable income can bring when an individual is unable to work.

If MetLife has denied your disability insurance claim, you need to contact a Houston MetLife disability insurance attorney as soon as possible. We can help your benefits claim from the initial claim to filing an appeal or a lawsuit. For a free case evaluation with us, you can call our Houston law office today. Below, you will find more information about how Herren Law can help you file a claim or appeal a denial.

Helping to File Your Initial Claim

When a person becomes disabled, and that person is unable to work and has MetLife disability insurance, then that person can reasonably expect prompt and timely payments after filing the initial claim. Unfortunately, MetLife has a strict and thorough policy examination process to make sure that the applicant has a disability and is unable to work, whether in that person’s own occupation or any occupation.

In order to reduce an initial claim denial as much as possible, it is important to be equally thorough in the claim application. Include as much information and documentation as you can. With decades of experience helping individuals with their disability insurance claim, we at Herren Law will help gather all the necessary documentation for a strong application, including:

• Medical records
• Financial statements
• Pay stubs
• Doctor opinions and notes
• If necessary, statements from a vocational expert

MetLife Disability Insurance Denial

Even with a strong application that seems to meet all of MetLife’s requirements for disability benefits, claim denials can occur. Some fairly common reasons for a MetLife disability claim denial have included:

• The applicant failed to disclose pre-existing health conditions.
• There were problems with the applicant’s documentation.
• The applicant’s claim is not covered under MetLife’s listing of disabilities.
• The medical examinations were not satisfactory.
• The applicant’s medical procedures were not necessary.

It is important to note that, when you receive a denial, you should contact a disability attorney immediately. With most disability insurance policies, especially those governed by ERISA, you have about six months to file an appeal. If the appeal is then denied, you may have to file a lawsuit and get your case reviewed by a federal judge.

Herren Law Can Help Your MetLife Disability Insurance Claim

MetLife sends out many claim denials every year, and sometimes, these denials are not backed by adequate examination into the claim. Don’t let your disability insurance provider avoid its responsibilities by calling a Houston disability lawyer today.

At Herren Law, we’ve helped hundreds of individuals with their applications, appeals, or lawsuits, and we are prepared to take on your case. We will devote extensive resources and a no-stones-unturned legal approach to fight for the benefits you deserve. For a free consultation, you can call our Houston law office today at (713) 682-8194.