In this long term disability denial, MetLife tried to rely on three different policy defenses to deny disability benefits. MetLife initially paid client for 22 months and then denied LTD benefits prior to the change of definition. MetLife attempted to deny benefits based upon the 24 month mental nervous limitation, neuromuscular limitation and the change of definition from own occupation to any occupation.

Disability attorney Stephen Jessup discusses how he was able to get the MetLife disability denial reversed and overcome all three of MetLife’s defenses.

• Metlife approved initially and then tried to come up with three different reasons to deny LTD despite SSDI approval.
• What is the neuromuscular skeleton limitation in a Metlife long term disability policy?
• Metlife’s first denial of long term disability benefits despite overwhelming support of disability.