Disability Insurance Law TV:
Deposition of medical consultant hired by MetLife for a disability insurance claim
It’s hard to imagine that a person that a person undergoes a 5 level surgical fusion procedure and does not have any restrictions or limitations. That was the position taken by a medical consultant hired by MetLife. The physician in this video deposition has reviewed hundreds of long term disability claims on behalf of MetLife. This video is an excerpt from the video-taped deposition of an orthopedic physician hired by Met Life to review medical records and determine if our client had any restrictions or limitations that prevented him from performing the duties of his occupation as a chiropractor. Despite never examining our client, the MetLife hired physician determined that our client had no restrictions or limitations and he could do any activities he wishes.
A District Court ruling issued in New York’s Southern District Court illuminates the importance of understanding the meaning of an “occupation qualifier” and/or an “earnings qualifier” requirement in your long-term disability insurance policy. In general, to qualify for disability under a policy that requires these two prerequisites you must show…