Figh

ting Ba

ck

Again

st M

e

tlif

e

Disability Cl

aim

Denials

A M e tlif e disability c laim denial can be dishear tenin g, but it doesn 't mean your figh t f or bene fits is over . M an y v alid claims f ace initial hu r dles.

Denied Ben

e

fits, N

o

t Br

ok

en

S

pirit:

1

Don 't accep t a denial as the final ans w er . Y ou ha ve the legal righ t to appeal M e tlife' s decision. Be mindful o f deadlines and star t the appeals pr ocess pr omp tl y .

Y

our Right to Appeal:

2

Ga ther e vidence to suppor t your claim. T hi s inc ludes ge t ting medical r ecor ds, fun ctional capacity e v alua tions ( F CEs ), and an y documen ta tion outlining y our job duties and limita tions toge ther to f ormall y pr ese n t.

Buildin

g a Str

ong

Cas

e:

3

Cr a f t a compelling appeal le t ter . Clearl y addr ess M e tlife's r easons f or den ial, highli gh t your suppor ting e vidence, and emphasiz e your desir e to r e turn to w ork (if applicable ).

M

ak

e Y

our V

oice H

ear

d:

4

Consider seeki ng legal r epr esen ta tion fr om a la wyer e xperienced in disability insur ance appeals. T h eir e xper tise can significan tl y incr ease your chances of a successful outco me.

Par

tner Up f

or S

ucce

ss:

5

6 P

er

s

istence is

K

e

y:

A M e tLif e disability appeal can be a l ength y pr ocess. M ain tain clear communica tion with M e tli f e and y our legal team. Don 't be disco ur aged; sta y pe r sisten t in your figh t f or the bene fits you deserve.