Metropolitan Life Insurance Company, popularly known as MetLife, is considered one of the largest in the world in terms of insurance companies. MetLife came into existence in the year 1868 and is known to provide insurance, employee benefits, and annuities to more than 90 million customers across the world.
There are many benefits when you are insured with MetLife’s long-term disability plan. Foremost among these benefits, here is an opportunity to receive 60% of your total income in the insurance payments in the case of a disability.
However, the process of actually getting the benefits can be quite complicated. Some claimants find it difficult to apply for the insurance claim. Often, the first request for disability benefits gets denied.
However, there is a MetLife appeal process in which there is one more chance for you to file a claim. Further, you need to take the right steps to make your appeal process easier. You can call Metlife Disability phone number 1-800-300-4296 for any queries.
Suppose, MetLife has denied you the disability benefits under your policy. In this situation you will receive an email or letter notifying you of the denial. The communique will specify why you have been denied the benefits or why they have been terminated.
There may be specific reasons why your claim has been rejected by MetLife. Some of the reasons are discussed as follows:
In MetLife disability plans, it is the employer who needs to choose for how many years they want to avail themselves of the benefits. The disability benefits can last for 2 years or 5 years. Alternatively, some programs may last until the claimant reaches the ages of 50 or 65 years.
MetLife also offers some additional benefits such as Social Security Disability benefits. These benefits are provided to those people who have a disability lasting for 12 months or more. SSD benefits are not temporary. People must study special grid rules to know how they satisfy the eligibility requirements for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).
To file an appeal, it is important to learn from the mistakes made in the previous claim. You should review the reasons for denial and collect strong evidence to back up your claims. This might increase your chances of getting the benefits. However, the appeal may be your last chance. Therefore, you must collect as much additional evidence that is possible.
Some of the steps that must be taken to avoid rejections are as follows:
It may be a difficult process to handle the complexities involved in the appeal process. Therefore, you need a disability attorney to handle the legalities and other paperwork.
Experience and expertise in representing these types of cases may make your claim process easier. Legal guidance may prove to be useful for your case.
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