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San Francisco and San Diego Disability Insurance and ERISA Claim Attorneys Fight MetLife Claim Denials

If an insurance company suddenly terminated your benefits, you can trust in McKennon Law Group PC to fight to have your wrongful denial reversed or claim for benefits reinstated. Our firm fights for your right to receive benefits from life, general liability, long-term care and disability insurers like MetLife. At our firm, we understand insurers like MetLife because we have handled so many denied life, AD&D and disability claims against MetLife. McKennon Law Group PC’s attorneys, including its founder, Robert J. McKennon, represented insurance companies in the past. At McKennon Law Group PC, we use our significant experience and focused attention to get those life and disability insurance claims paid.

Metropolitan Life Insurance Company, commonly known as “MetLife” offers a wide variety of insurance, including automobile, dental, disability, home, life, vision and accident & health. MetLife’s origins began with the National Union Life and Limb Insurance Company, which issued insurance to soldiers in the Civil War. Six years later, National Union became Metropolitan Life Insurance Company, focusing on the sale of life insurance products. Now, MetLife offers a wide variety of insurance products, including life insurance, disability insurance, automobile insurance, home insurance and various other products. Today, MetLife also operates in several international markets, including Asia, Europe, Latin America and the Middle East. It is one of the largest providers of life and disability insurance in the world.

MetLife is one of our most frequent targets for litigating or appealing denials of ERISA and state law disability and life insurance claims. MetLife frequently denies life and disability insurance claims and we have been very successful in overturning denied insurance claims against this company and in recovering benefits for our clients. We believe that based on our very significant experience representing clients against MetLife that MetLife is one of the most aggressive insurers in denying valid and legitimate claims. They litigate hard and often force us to go to trial on claims we litigate against them.

How does MetLife Deny Life, Long-Term Care and Disability Insurance Claims?

MetLife denies claims based on many reasons including, but not limited to, the following:

  • MetLife asserts the proof of claim you provided does not support the life, long-term care or disability claim
  • MetLife suggests the claimant did not provide adequate medical support for your life, long-term care or disability claim
  • MetLife asserts you provided inadequate documentation or proof of loss evidence or that you failed to provide such evidence in a timely manner
  • MetLife asserts the condition which is the subject of your claim is a pre-existing condition
  • MetLife asserts the insurance application contained materially false information, and thus the policy can be rescinded
  • MetLife asserts surveillance of the claimant suggests that you are not totally disabled
  • MetLife asserts your policy has lapsed due to nonpayment of premium
  • MetLife broadly interprets an exclusion in the life, long-term care or disability policy to preclude coverage for the claim

What Should Disability or Life Insurance Claimants Look for When MetLife Denies a Claim for Life, Health, or Disability Insurance Benefits?

  • Did MetLife conduct a thorough and unbiased investigation into all potential bases for coverage?
  • Did MetLife take the opinion of its own, unqualified persons/supposed experts over the medical evidence you provided in support of your claim?
  • If MetLife did properly retrieve relevant medical records, did they improperly misread or misinterpret those records in support of your claim?
  • Did MetLife’s denial rely on the opinion of a reviewer that appears to be biased? Did the reviewer ignore relevant medical evidence or mischaracterize the content of a conversation with your primary care doctor?
  • Did MetLife deny your claim without requesting an in-person medical examination, even though you were willing to be examined?
  • Did MetLife refuse to acknowledge illness, injury or other symptoms for which only subjective evidence exists, such as mental disorders, autoimmune disorders, fibromyalgia, and chronic fatigue syndrome? Did the denial state that you failed to provide “objective evidence” in support of the illness or injury preventing you from performing the duties of your occupation?
  • Did MetLife improperly assert that your illness or injury is a pre-existing condition, wrongly attempt to rescind the policy or simply deny the claim with the intent of wearing you down so as to pay you a lower settlement?
  • Did MetLife improperly over-rely on surveillance of you engaging in activities as support that you can perform the activities of daily living? Did MetLife do so without properly considering or characterizing the actual duties of your occupation?
  • Did MetLife improperly over-rely on social media evidence, from accounts such as Instagram, Facebook or other forms of social media to conclude you can work?
  • Did MetLife improperly fail to engage in a “meaningful dialogue” with you so you knew what you needed to get your claim paid?
  • Did MetLife wrongly fail to use findings by the Social Security Administration to support your disability claim?

If you have a wrongfully denied claim for disability, life, long-term care or other insurance involving MetLife, contact McKennon Law Group PC and we will doggedly pursue your benefits

Choosing an attorney to represent you when you find yourself in the vulnerable position of having your disability, life or long-term care claim denied is the most important decision you can make in the pursuit of your claim. You need a skilled, aggressive and experienced advocate in your corner. If your claim for health, life, accidental death or dismemberment, short-term disability or long-term disability insurance has been wrongfully denied or suddenly terminated, fill out a free consultation form or call (949) 387-9595 to schedule a free consultation with the attorneys of the McKennon Law Group PC, several of whom previously represented insurance companies and are exceptionally experienced in handling ERISA and non-ERISA, bad faith insurance claims.