If serious injuries and medical conditions prevent a person from working, short and long-term disability benefits can bridge the income gap for the injured employee until they are able to return to work. Unfortunately, large insurers such as MetLife often refuse to pay out the benefits they are legally bound to pay when the time arrives. Some insurers will even go to extreme measures to prevent their policyholders from filing for the compensation they pay for each month.
If you or someone you know has had a MetLife disability claim denied in the past, you may have good reason to get in touch with an experienced insurance attorney about what to do next. Consider consulting a MetLife Louisiana disability insurance denial lawyer for assistance appealing your claim denial.
The ultimate goal of most insurance companies is to maximize profit while reducing operating costs. To reduce these costs, employees of companies like MetLife often resort to extreme and illegitimate measures to avoid paying out benefits to policyholders, especially for long-term disabilities.
In the insurance industry, an act of bad faith is an act that violates the legal bond between an insurance company and a policyholder. Such acts are illegal, but insurance companies often commit them in an attempt to avoid paying a policyholder. The following acts of bad faith are particularly common:
Insurance companies often attempt to take advantage of the complex legal jargon that accompanies disability policies, and they may use every trick in the book to avoid paying a policyholder. Some insurance companies even go so far as requesting certain types of information from a policyholder, only to later use the requested information as grounds for a denial.
In light of this, retaining the services of a MetLife Louisiana disability insurance denial attorney can be beneficial in a variety of ways, even if a claimant has not yet received an official denial letter. Insurance companies like MetLife expect policyholders to not understand the details listed in their policies, and they typically use this lack of understanding to their advantage.
Some insurance companies will also use video footage against a policyholder. This is perfectly legal and admissible evidence in court, and insurance companies have no problem hiring private detectives to follow long-term disability claimants.
For example, if a person claims their back injury prevents them from working, a private detective may attempt to record deceptive footage of the person bending over, exercising, or engaging in other physical activities. By hiring a MetLife Louisiana disability insurance denial lawyer early in the process, claimants could prepare themselves for anything the insurance company will try.
Fighting back against a large insurer such as MetLife may seem like an impossible task, especially if you have already received a denial letter in the mail. However, it is important to remember you have a legal right to file an appeal and take your insurer to court for acts of bad faith.
Taking legal action against an insurer can be immensely difficult, but it is not impossible with the help of an attorney. Contact a MetLife Louisiana disability insurance denial lawyer to learn more about your options.
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