MetLife Long-Term Care Insurance Denial
Long-term care is vital if you cannot perform essential daily tasks for yourself. Effectively appealing a MetLife long-term care insurance denial is pivotal to receiving approval of a claim and the care you or a loved one needs. A Phoenix long-term care insurance lawyer with our firm can navigate a denial and appeal for you and identify signs of bad faith in a long-term care claim’s denial.
What to Look for in a MetLife Long-Term Care Insurance Denial
It is crucial to understand a policy’s criteria for receiving long-term care insurance benefits and to collect supporting medical documentation before submitting a claim to MetLife. Your policy will include any additional criteria you must meet. After reviewing your policy and your claim to ensure you provided the necessary information, look for the following details in a denial letter from MetLife.
The Reason MetLife Denied Your Claim
A claim denial letter from MetLife should explain why your claim was denied. The explanation will help you file a long-term care insurance denial appeal. Your claim may lack medical evidence or proof of your injury or health condition. You may not meet the policy’s terms to qualify for long-care benefits. The letter must state a reason for the denial so you can respond in an appeal.
Who Reviews Your Claim and Documentation
A qualified individual who understands your policy, medical documentation, and benefit triggers should review your claim. Their evaluation of your claim file will determine your claim’s approval or denial of benefits. A senior appeals specialist will make a final decision on your appeal. After exhausting the internal appeal process, a Phoenix long-term care insurance lawyer can help you file an external review. You may also have the right to file a legal claim against MetLife if a long-term care claim is denied in bad faith.
What Supporting Documentation is Missing
A long-term care insurance denial letter from MetLife should identify the missing documentation or information necessary for approving your claim. Medical evaluations, testing, and your physician’s prognosis can provide more insight into how an injury or health diagnosis impacts your daily life.
Information About Your Right to Appeal a Long-Term Care Insurance Denial
The appeal process allows you to meet the criteria set forth by MetLife in your policy to receive benefits. Knowing how to appeal a long-term care insurance denial is crucial to prevent exhausting your options for a claim approval and receiving the help you deserve. A denial letter should provide a deadline you must meet to file an appeal. The long-term care lawyer representing your claim can request an extension of the deadline if more time is necessary to gather documentation for an appeal.
Can I Appeal a Long-Term Care Insurance Denial on My Own?
The language of an insurance policy is often complex. Long-term care insurance attorneys understand the wording in a policy’s terms. Our firm has over 70 years of combined experience navigating the obstacles many individuals face in documenting a claim successfully. Many clients feel their options are exhausted after receiving a denial from MetLife. Unfortunately, bad faith practices in insurance can impact the approval of your claim. We have the experience to maneuver the appeals process and recognize insurance bad faith when it occurs.
Do You Need Help With a MetLife Long-Term Care Insurance Denial?
At Dawson & Rosenthal, our long-term care insurance lawyers care about you getting the help you need. Our peers throughout Arizona and Southern California recognize our firm as a trusted authority on bad faith insurance. Contact us to schedule a case review.