MetLife Long-Term Care Denial Attorneys

Skilled MetLife Long-Tem Care Denial Lawyers

metlife long-term care denial lawyerFacing a MetLife long-term care denial can be overwhelming, especially when you’re already dealing with a disabling condition. At Pillsbury & Coleman, our experienced California-based attorneys are dedicated to helping policyholders like you secure the long-term disability (LTD) benefits you’re entitled to. With decades of experience in ERISA and insurance law, we understand the tactics insurance companies like MetLife use to deny valid claims, and we’re here to fight for your rights.

If MetLife has denied your claim, don’t lose hope. Our team at Pillsbury & Coleman has a proven track record of successfully appealing MetLife long-term care denials and holding insurance companies accountable. Contact us today at (800) 999-9948 for a free, no-obligation consultation to discuss your case and learn how we can help you get the benefits you deserve.

Why MetLife Denies Long-Term Care Claims

MetLife, one of the largest insurance providers in the world, often denies long-term care claims for reasons that may seem unfair or unclear. Common reasons for a MetLife long-term care denial include:

  • Inadequate Medical Documentation: MetLife may assert that your medical records fail to adequately substantiate the extent of your disability.
  • Strict Disability Criteria: The insurer may apply a restrictive interpretation of their policy’s disability definition to exclude your claim.
  • Pre-Existing Condition Clauses: MetLife may deny coverage if your disability relates to a condition present before your policy started.
  • Non-Compliance with Treatment: The insurer may reject claims if they believe you haven’t pursued consistent or recommended medical care.
  • Behavioral or Surveillance Data: MetLife may use observed activities or social media posts to dispute the severity of your disability.

These denials can feel like a betrayal, especially when you’ve paid premiums expecting coverage. At Pillsbury & Coleman, our MetLife long-term care lawsuit attorney knows how to counter these tactics and build a strong case to overturn an appeal.

How Pillsbury & Coleman Can Help with Your MetLife Appeal

Navigating a MetLife appeal requires expertise in insurance law and the Employee Retirement Income Security Act (ERISA), which governs most group disability plans. Our attorneys at Pillsbury & Coleman have extensive experience handling ERISA-governed claims and individual disability policies, ensuring your appeal is strategically prepared. Here’s how we can assist:

  • Comprehensive Case Review: We thoroughly review your denial letter, policy documents, and claims file to identify errors or weaknesses in MetLife’s decision.
  • Gathering Strong Evidence: We work with your treating physicians, vocational experts, and medical specialists to compile detailed reports and objective evidence that support your disability claim.
  • Correcting Application Errors: If your initial claim was denied due to missing or incorrect information, we ensure all documentation meets MetLife’s requirements.
  • Countering Biased Evaluations: MetLife often relies on in-house or hired medical professionals who may downplay your condition. We challenge these evaluations with independent expert opinions.
  • Aggressive Advocacy: Our attorneys are known for their assertive approach, negotiating with MetLife to reinstate benefits or, if necessary, litigating in federal court to secure your rightful compensation.

Our goal is to alleviate the stress of an appealed claim so you can focus on your health and well-being. With Pillsbury & Coleman, you have a trusted partner who will fight tirelessly for your benefits.

The Importance of a Timely Lawsuit Against MetLife

When faced with a MetLife long-term care denial, pursuing a lawsuit may become necessary to secure the benefits you deserve. Under the Employee Retirement Income Security Act (ERISA), which governs most group disability plans, you typically have 180 days from the date of your denial letter to file an administrative appeal with MetLife. If your appeal is denied, a lawsuit in federal court may be your next step. Missing critical deadlines or failing to build a strong administrative record during the appeal can limit your ability to succeed in court, as ERISA lawsuits generally only consider evidence submitted during the appeal process.

At Pillsbury & Coleman, our experienced attorneys understand the urgency and complexity of litigating a MetLife long-term care denial. We meticulously prepare your appeal to create a robust administrative record, gathering compelling evidence such as updated medical records, physician statements, and vocational assessments. If litigation is required, our team is skilled at challenging MetLife’s wrongful denials in federal court, addressing specific reasons for the denial to strengthen your case and maximize your chances of recovering benefits.

Why Choose Pillsbury & Coleman for Your MetLife Lawsuit?

With over 30 years of experience, Pillsbury & Coleman is a trusted name in California for handling MetLife long-term care lawsuits. Our attorneys have successfully litigated against major insurers like MetLife nationwide, recovering millions in benefits through settlements and federal court victories. Here’s why policyholders trust us:

  • Expertise in ERISA Litigation: Our deep knowledge of ERISA law ensures your lawsuit is strategically crafted to meet federal court standards.
  • Client-Centered Advocacy: We provide clear, regular updates and explain complex legal processes in plain language, keeping you informed every step of the way.
  • Contingency-Based Fees: You pay no upfront costs; our fees are only collected if we secure your benefits.
  • Proven Litigation Success: We have a strong record of overturning denials for complex conditions like fibromyalgia, chronic pain, and cognitive impairments.

A MetLife long-term care appeal can take a significant financial and emotional toll. Our compassionate team at Pillsbury & Coleman is dedicated to fighting for your rights, providing aggressive representation to restore your peace of mind. Contact us at (800) 999-9948 for a free consultation to discuss your lawsuit options.

Contact Pillsbury & Coleman Today

If you’ve received an appeal, don’t wait to take action. The experienced MetLife long-term care denial lawyers at Pillsbury & Coleman are ready to review your case, provide personalized guidance, and fight for the benefits you’re entitled to. With offices in San Francisco and serving clients nationwide, we’re here to help you navigate the complex appeals process and, if necessary, take your case to court.

Call us today at (800) 999-9948 or fill out our online contact form for a free consultation. Let Pillsbury & Coleman be your advocate in securing the financial support you need during this challenging time.