Short Term Disability Denied

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NanaBee
Veteran Member


Date Joined Jun 2005
Total Posts : 541
   Posted 4/22/2012 3:52 PM (GMT -6)   
I can't believe that MetLife denied my short term disability. My doctor told them I was very unstable and keep flaring but they said I could still work. Even my work said I shouldn't be working. I can see getting denied first time out by SSD but with a private insurance company that I have paid premiums to for years???\

I am so upset. I feel like I should just go back to work but I don't think my work would let me. They know I am too sick to do my job. smhair

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7723
   Posted 4/22/2012 3:58 PM (GMT -6)   
That seems crazy! Get your human resources person at your workplace to get on the line with the MetLife representative they work with and get it bumped up outside of the normal paperwork route. With the company backing you, I would think that would correct the problem.

Oh, wait, is this NOT paid for by your employer? If not, ouch. Get some letters from work and call your agent and see if they can help out. Don't give up!
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

NanaBee
Veteran Member


Date Joined Jun 2005
Total Posts : 541
   Posted 4/22/2012 4:06 PM (GMT -6)   
Thanks, Lynwood. Yes, it is disability insurance through my work. I already have the insurance rep trying to work on it, too. I guess my next step is a lawyer, but I dont really want to have to do that. I am going to call my doctor and my employer tomorrow and see if we can come up with something to do.

Elsie Mae
Regular Member


Date Joined Apr 2012
Total Posts : 32
   Posted 4/24/2012 10:41 PM (GMT -6)   
 I really recommend contacting a Social Security Disability law firm that knows how to get "denied" people on disability.  You wont' have to pay a dime in attorney fees.  The attorney will be paid by Social Security Administration from your settlement money before you receive your settlement check.  By law there is a set % of the settlement money that goes to the attorney.

cured4real?
Veteran Member


Date Joined Dec 2005
Total Posts : 1950
   Posted 4/27/2012 9:04 PM (GMT -6)   
I agree with Elsie, that is how everyone gets approved pretty much. Everyone gets denied, but once you are denied you can get an attorney and they are the ones who get you approved for ssd. Some states are easier than others. I got the firm who ONLY does social security, where someone at the firm actually worked for social security or physicians and understood my disease. We met and talked before I hired them. They did a fantastic job. Typically, judges in southern or red states will deny anyone, because they generally don't believe in social security for anyone. North eastern or new england states are the best for getting it. How good your lawyer is seems to effect how this comes together. A bad lawyer will ensure you don't get it. If you live in a red state doesn't mean you can't get a hearing outside your state. State of residence doesn't seem to matter.

There are other factors that figure in. Most people don't get it unless they have some kind of psychological component to their illness these days, like dementia, depression, memory problems.

I would also urge you to call your state board of insurance, these insurance companies also deny everyone and the state board of insurance is very used to dealing with this they can create a case and the insurance company will have to defend their position. They can help you put together your side of things too. /And they do it for free. If your state doesnt help you, I would get a mediator or lawyer. The state insurance board is a middle ground here. They can and should mediate for you. And the insurance companies prefer this to a lawsuit usually. Don't wait like I did and lose your benefits, call soon, you may have only limited time, I had 30 days.
Love, Marji


Meds--Plaquenil, Evoxac, Metformin, HCTZ, HRT patch, Voltaren gel, Klonopin, Ultram, Albuterol, Questran, pancreatic enzymes

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7723
   Posted 4/27/2012 11:28 PM (GMT -6)   
Folks, NanaBee is *NOT* dealing with Social Security, she is talking about her private short-term insurance with MetLife.
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

NanaBee
Veteran Member


Date Joined Jun 2005
Total Posts : 541
   Posted 4/29/2012 10:48 PM (GMT -6)   
Update on my disability. I now have my employer's insurance rep for Met Life helping me. He has forwarded all my information to the higher ups in the company. Hopefully, this will work.

Thanks for all the suggestions, I will keep them in mind because I am also applying for SSD.

I'll let you know how things go.

Take care all,

Mary Ann
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