Success with MetLife Long-Term Disability Denial

We helped a former management consultant suffering from Fibromyalgia demonstrate a physical disability, avoiding MetLife imposing a 24-month limitation on mental health disabilities. Despite early symptoms being treated as Depression, the client’s doctors continued workup and ultimately diagnosed the client with Fibromyalgia. It is common to begin a disability claim with a working diagnosis, or no diagnosis at all, and through the course for treaters to pinpoint the diagnosis or add them. We were able to show the disabling symptoms of Fibromyalgia, even without the depression, were enough to render the client disabled.

Success with MetLife Accidental Death Denial

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 intentions to go to work the next morning. We also highlighted MetLife’s internal notes that the denial would be defensible if MetLife were entitled to deferential review in court.

Success with MetLife Accidental Death Denial

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 a presumptive accidental ingestion. Result: claim paid.