Our highly experienced life insurance lawyers recently resolved a denied MetLife life insurance claim for one million dollars. The client came to us after MetLife had been delaying the claim for 9 months, and then denied it based on a material misrepresentation on the application. We stepped in, and got the full policy amount paid in 11 days.
If your MetLife life insurance claim is being delayed or was denied, you may be concerned about the welfare of your family's future. Our life insurance lawyers have a minimum of 15 years experience handling MetLife life insurance claims. We have successfully resolved 100% of them.
Typically, laws prohibit a life insurance company from denying the payment of death benefits if the insured died more than 2 years after the issuance of the policy. If the insured died within 2 years of the policy's issuance, however, the company may investigate medical records to see if there was misrepresentation on the application. This is the most common way for life insurers to attempt to deny claims on a valid policy. The insurance company has a duty to prove that such misrepresentation was material. Usually, policies have clauses that state that all statements and descriptions in an application for an insurance policy are representations and not warranties. It means that even an innocent or mistaken misrepresentation can be the reason for canceling the policy.
MetLife has a checklist of potential reasons for denying a valid claim. They may try to deny a claim based on a misdemeanor / felony exclusion if the deceased was at fault in a car accident. A common reason for denying a claim is by saying that the deceased was on drugs. The drugs could have been either prescription or illegal. The alcohol exclusion is another favorite of theirs. The sickness exclusion is a very common way to deny a Met Life AD&D claim (Accidental Death and Dismemberment.) One of the most common reasons is that MetLife will tell you that they don't have all the medical records or documents, and keep having you resend the documents over and over again. The ironic thing is that MetLife has all the medical records, and has an authorization to get them on their own, so they don't need you to send them, it is just one of their games.
Another reason for one of our experienced life insurance attorneys to get involved is if there is a beneficiary dispute. The MetLife beneficiary designation form may have issues which we will need to investigate. There may be a beneficiary dispute due to a divorce, or a divorce decree, recently changed form, and the like.
Our firm has well over 1000 MetLife life insurance claims, so give a call today, so we can get you the money to which you are entitled.