MetLife

Bartolic Law helped many clients get claims paid by MetLife. We helped a former management consultant suffering from Fibromyalgia demonstrate a physical disability, avoiding MetLife imposing a 24-month limitation on mental health disabilities. In one accidental death insurance case, a client’s family member died of a cocaine overdose, and MetLife declared it was not an accident. With photos and videos, we showed the insured laid out work clothes for the next morning, set an alarm clock, and even pre-packed meals to take to work. We persuaded MetLife the overdose must have been accidental given the intention to go to work the next morning. In a Fentanyl overdose case where nobody knew how the insured ingested the drug, we used visual evidence to prove the insured must have ingested the drug orally, due to lack of any trace of intravenous or transdermal administration. Following up on a witness statement the insured complained of a headache hours before the death, we tracked down an Aspirin bottle with Fentanyl tablets inside, which we used pictures to show the two tablets look nearly identical, resulting in presumptive accidental ingestion. Result: claim paid.