MetLife LTD Insurance Claim Denials Attorney in Orlando

Has MetLife denied your Long Term Disability claim? An experienced MetLife LTD insurance claim denials attorney in Orlando can help you appeal and recover the benefits you deserve.

If your Long Term Disability (LTD) claim with MetLife has been denied, you may be frustrated and unsure of where to turn. These denials can occur even when your medical evidence clearly supports your inability to work. When that happens, it is crucial to act promptly and seek the assistance of experienced legal professionals.

A knowledgeable MetLife LTD insurance claim denials attorney in Orlando can help you understand your policy, identify errors in MetLife’s review process, and pursue the benefits you deserve through a strong, well-supported appeal.

MetLife is one of the largest disability insurers in the country, providing coverage to employees across Florida. However, many claimants find that MetLife’s review process is highly technical and often results in unfair denials.

At Herbert M. Hill, P.A., we help individuals throughout Central Florida challenge MetLife LTD denials and recover the income protection their policies were meant to provide.

Understanding Your MetLife Long Term Disability Policy

MetLife LTD policies contain detailed terms that determine how benefits are evaluated, approved, or denied. Claimants often lose benefits due to misunderstandings of these provisions or failure to meet strict procedural requirements.

Important provisions to review include:

Definition of Disability: Does MetLife require you to be unable to perform your specific job, or any occupation at all?
Duration of Benefits: Many MetLife policies include time limits for certain conditions.
Medical Evidence Requirements: You must provide consistent and thorough medical documentation supporting your claim.
Offsets for Other Income: Benefits may be reduced if you receive income from sources such as Social Security Disability or workers’ compensation.

A skilled MetLife LTD denial lawyer can carefully examine your policy language, ensure compliance with all requirements, and help you avoid procedural mistakes that could harm your case.

Legal Support for MetLife LTD Appeals in Orlando

Filing an appeal with MetLife is a critical step that must be handled strategically. Simply resubmitting your medical documents is not enough—your appeal should directly address the insurer’s stated reasons for denial and include compelling new evidence or arguments.

At Herbert M. Hill, P.A., we focus exclusively on disability insurance and ERISA law. This focus allows us to anticipate MetLife’s review process, address policy-specific issues, and build a strong, detailed appeal that maximizes your chances of success.

Our attorneys guide clients through every stage of the process, from gathering medical and vocational evidence to submitting a thorough, timely appeal.

Steps to Take After a MetLife LTD Denial

When MetLife denies your claim, time is critical. ERISA deadlines for appeals are strict, and missing them can permanently prevent you from obtaining benefits.

Our team assists clients by:

Reviewing MetLife’s denial letter to identify the insurer’s stated reasons for rejection
Gathering additional medical and vocational documentation to strengthen the appeal
Consulting with physicians and experts to support your disability claim
Preparing and submitting a comprehensive appeal package within MetLife’s deadlines

Acting quickly gives your attorney more time to build a strong, evidence-based appeal.

Why MetLife LTD Claims Are Frequently Denied

MetLife often uses similar justifications to deny claims, including:

Arguing that your medical condition does not meet the policy’s definition of disability
Claiming your medical records lack objective evidence
Asserting that you can perform other types of work
Limiting benefits for mental health or “subjective” conditions

Our MetLife insurance denial attorneys understand these tactics and know how to counter them effectively to pursue a fair outcome.

Why Choose Herbert M. Hill, P.A.?

Choosing the right attorney after a MetLife denial is essential. At Herbert M. Hill, P.A., we represent only claimants—not insurance companies—and focus solely on disability insurance and ERISA claims.

Clients choose our firm because we offer:

Decades of experience handling MetLife LTD denials and appeals
In-depth knowledge of MetLife policy language and claim procedures
Personalized attention and transparent communication throughout the process

We are committed to standing up to large insurers and protecting your right to fair disability benefits.

Speak to a MetLife LTD Insurance Claim Denials Attorney in Orlando Today

If MetLife has denied your Long Term Disability claim, do not delay in seeking help. At Herbert M. Hill, P.A., we will review your policy, explain your options, and work tirelessly to help you recover the benefits you are owed.