MetLife Long-Term Disability Denial

For many, long-term disability insurance serves as a crucial safety net, providing financial support when they can’t work because of an illness or injury. However, disability insurance companies like MetLife have a history of denying valid claims. If you’re facing a MetLife long-term disability denial, we may be able to help you pursue the benefits you deserve.

Get a Free Case Review

Why Take Legal Action?

By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.

Results Secured

$1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
$1.21 million for a California worker denied disability benefits
$975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum

Fact-Checked and Legally Reviewed by: LawFirm.com

Last updated: Jun 18, 2025

Understanding MetLife Disability Claim Denials

Metropolitan Life Insurance Company, also known as MetLife, offers short-term disability (STD) and long-term disability (LTD) insurance to provide policyholders with compensation if they can’t work due to an injury or illness.

However, MetLife disability claim denials are common, causing undue financial stress for many of its customers.

Reasons for a MetLife long-term disability denial can include:

Lack of medical documentation
Missing or incomplete information
Mistakes by the insurer’s own claim adjusters
Pre-existing conditions

LawFirm.com works with MetLife disability appeal lawyers who know the tactics this company uses to reject legitimate claims — and how to fight back.

Our legal partners have recovered over $143 million for policyholders whose disability claims were unfairly denied.

Get a free case review now to see if a top MetLife disability denial lawyer can fight for you.

What to Do After a MetLife Disability Benefit Denial

If you’re facing a MetLife long-term disability denial, you have options. A MetLife long-term disability appeal attorney can review your case and seek the benefits you deserve.

A MetLife disability denial lawyer can:

Review your LTD claim denial letter to figure out the reasons for MetLife’s decision
Collect evidence to fill in any gaps or missing information
File an appeal, or a second appeal, to pursue the benefits you deserve
Seek compensation from a MetLife lawsuit, if necessary

Regardless of the path your MetLife appeal takes, a lawyer can gather evidence to prove you meet the long-term disability qualifications specified in your policy.

With a MetLife disability appeal attorney handling your case, you’ll have peace of mind knowing that your paperwork has been filled out correctly and filed before any deadlines.

Call (888) 726-9160 right now or chat with a case manager to see if an experienced lawyer may be able to help you reverse a MetLife long-term disability denial.

How to File a MetLife Disability Appeal in 2025

Disability lawyers understand the financial and emotional toll fo an LTD denial, so they strive to make the appeals process as easy and stress-free as possible. With a legal professional by your side, you can focus on your health.

While each MetLife disability insurance appeal for long-term disability benefits is unique, most follow the basic steps listed below.

1. Get a Free Case Review

The MetLife long-term disability denial lawyers in our network offer free case reviews and never charge any upfront costs or hourly fees, so there’s no financial risk to find out more about your legal options.

They’ll ask you a few questions about your situation to see if they may be able to help you file a MetLife disability appeal.

2. Collect Supporting Evidence

Your long-term disability attorney and their legal team will gather evidence to prove you qualify for benefits.

Evidence to appeal a MetLife disability claim denial may include:

Job descriptions
Medical records
Notes from your treating physician
Witness statements
Your MetLife disability insurance policy

This will be used to show that your injury or illness prevents you from working and that your MetLife disability claim denial was unfair.

Insurance providers like MetLife have a duty to treat policyholders fairly. When they fail to uphold this standard through wrongful MetLife disability claim denials, they can be penalized for acting in bad faith.

3. File a MetLife Long-Term Disability Appeal

Using the evidence collected, your attorney will file your MetLife disability appeal before any legal deadlines.

If your first appeal of your MetLife disability claim denial is unsuccessful, they may be able to file a second one for you.

Did you know?

A federal law known as the Employee Retirement Income Security Act (ERISA) typically gives policyholders 180 days to file an appeal. Your disability insurance attorney can act quickly to ensure your appeal is filed in time.

Your legal team will provide regular updates as your appeal moves forward and answer any questions you may have.

4. Take Legal Action

If MetLife still refuses to pay the benefits you’re owed, you may have legal options. In some cases, a MetLife disability claim denials lawyer can demand the benefits you’re entitled to by filing a lawsuit on your behalf.

A MetLife long-term disability denial lawsuit settlement can cover health care costs, daily living expenses, and more. If your case doesn’t settle, your attorney may still be able to fight for you in court.

Get Help With a MetLife Disability Denial

In times of injury or illness, people rely on long-term disability insurance to make ends meet and provide for their families. When companies like MetLife fail to honor their obligations, they should be held accountable.

With a net worth of over $50 billion, MetLife has teams of lawyers who are paid to defend the company’s decisions — even when they negatively impact people like you.

Our legal partners can even the playing field for policyholders and increase their chances of a successful outcome. They’ve secured over $143 million for unjust disability claim denials, including MetLife disability denials.

Our legal partners:

Are leaders in disability law
Can help policyholders in all 50 states seek justice
Have the resources to go head-to-head with MetLife
Never charge any upfront costs or hourly fees

Call (888) 726-9160 right now or fill out our form to see if a top MetLife long-term disability appeal lawyer can fight for you.

MetLife Disability Claim Denial FAQs

Why did MetLife deny my claim?

MetLife may deny a long-term disability claim for various reasons, including some that are designed to avoid paying out the money it owes.

Reasons for a MetLife long-term disability denial include:

A mistake by a MetLife employee
Lack of medical evidence supporting your claim
Not meeting the policy’s definition of disability
Pre-existing conditions that are excluded from coverage
Submission of a claim with incomplete or incorrect information

If you’re facing an unjust MetLife long-term disability denial, a lawyer may be able to fight for the benefits you’re entitled to. You paid for these benefits — and deserve them.

Get a free case review now to see if we can connect you with a top MetLife long-term disability appeal lawyer near you.

How long does it take MetLife to pay after your claim is approved?

It may take MetLife several weeks or more to process a long-term disability insurance claim once all paperwork is received.

However, benefits don’t start right away as most group disability plans have a 90- or 180-day elimination period, which is how long you must be disabled before payments begin.

This waiting period is set by your employer when the plan is chosen.

How does MetLife long-term disability work?

MetLife long-term disability insurance provides income replacement if you can’t work due to an illness or injury. After an elimination period, you may begin receiving monthly benefits, which are typically a percentage of your pre-disability income.

To qualify, you must submit medical records showing that your condition prevents you from working. MetLife will review your claim for disability insurance benefits and may request additional information or evaluations.

If approved, benefits continue as long as you remain disabled under the policy terms, often until retirement age. If denied, you have the right to appeal, usually within 180 days.

Is MetLife good at paying claims?

MetLife pays out many long-term disability claims. However, like other insurance companies, it may deny claims to boost its bottom line.

Some claimants report smooth experiences, while others face delays, denials, or requests for excessive documentation.

If you’re dealing with a MetLife long-term disability denial, you have the right to appeal. Working with a disability insurance attorney can improve your chances of approval. See if we can connect you by calling (888) 726-9160 now.

How do I find a top MetLife disability denial lawyer?

LawFirm.com can connect you with experienced attorneys who handle MetLife disability insurance claim denials across the country.

Our MetLife long-term disability lawyers:

Have secured millions of dollars for wrongful claim denials
Never charge any upfront costs or hourly fees
Understand the tactics insurers use to avoid paying benefits

Get a free case review now to see if a top attorney can help you with a MetLife long-term disability denial.