Metlife Disability Claim Denials

Have you made a claim for life, health, or disability insurance with a MetLife policy, only to have it rejected or delayed?

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Insurance Companies We’ve Challenged

  • Unum Provident
  • Unum Life
  • Metlife
  • Sunlife
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard

Why Do People Turn to Ronstadt Law?

Individuals just like you come to Ronstadt Law for a very good reason: it is our mission as a company to make sure that the people who are making claims against massive insurance companies like MetLife have the representation, support, and advocacy that they need. We take great pride in our work in holding multi-million dollar companies accountable for their actions, as well as in our focus on customer service – you will always find a compassionate, friendly, supportive, and skilled ear when you engage with us.

Why Hire Ronstadt Law?

We take every case on a contingency basis, so if we are not successful in winning you compensation for any reason – you do not have to pay for our services.

Our team has vast experience in helping individuals like you fight back against insurance companies that are taking advantage of you.

Ronstadt Law has a reputation for providing high-quality legal services, with a focus on client care and satisfaction.
We will take on the most complex cases, and are equally at home at the negotiation table as we are in the courtroom.

Metlife Insurance

MetLife, also known as MetLife, Inc. or the Metropolitan Life Insurance Company, is one of the largest insurance providers in the world. The company is listed on the Fortune 500 list of the largest US companies (by revenue) and has operated since 1868.

MetLife subsidiaries and affiliates include:

  • American Life Insurance Company
  • MetLife Health Plans, Inc.
  • Metropolitan Casualty Insurance Company
  • Metropolitan Life Insurance Company
  • Delaware American Life Insurance Company
  • SafeHealth Life Insurance Company

MetLife (and affiliated companies) collect billions of dollars in premiums from everyday working Americans every year. Those individuals are happy to hand over their hard-earned money, as they believe that in return they will be protected if an illness or disability were to strike. Unfortunately, this is too often not the case – the insurance company that you trusted all those years will try any number of different tricks and loopholes to either delay paying you your compensation, or deny you the payment completely.

We want you to make them pay.

Yes – the insurance company has teams of investigators and legal personnel who are employed to find ways to delay and deny payments. That can seem intimidating – particularly if they throw a lot of legal terminology and paperwork at you to confuse and scare you. That is why we are here: we will be your own legal team. We have taken on MetLife insurance companies before (and won) and we are not afraid to do so again, so get in touch today to see how we can help you.

If your disability insurance is with one of these companies or any other MetLife-affiliated organization, then the professionals at Ronstadt Law can help you to get the benefits that you are entitled to.

Why does Metlife delay insurance claims?

When you pay your premiums to MetLife (and other insurance companies), they take that money and pool it with other customers’ money. They then take that large sum and invest it in different markets – often these multinational insurance companies are some of the biggest investors in the global market.
So why do they delay paying you? Because the longer they can keep money invested, the more profit they can make.
If you feel that you are owed compensation from an insurance plan with MetLife and that they are giving you the run-around or delaying the payment unnecessarily, then get in touch with Ronstadt Law. We will make sure that you get the money that is rightfully yours as soon as possible.

What can you do when Metlife denies your claim?

When an insurance company makes attempts to deny you payment on your insurance plan, they are operating in ‘bad faith’. This can include anything from using ambiguities in the contract to trying to find loopholes that they can exploit – and illegal in the United States. If you feel that you have had your disability claim denied for no legitimate reason, then we want to hear from you. Ronstadt law was set up with the specific goal of stopping insurers from acting in bad faith and taking advantage of people like you at times when you are particularly vulnerable and in need of help.
Some of the types of insurance company behavior that we fight against are:
  • Deliberate misinterpretation of terms and conditions
  • Overwhelming you with endless paperwork
  • Using the wrong type of medical professional to evaluate you and your case
  • Disregarding or downplaying the importance of medical information
  • Not communicating with you

How to Appeal a Metlife Insurance Claim

The first step in getting what you are owed is by filing an appeal. This is a written request for MetLife to reassess your case and will need to be accompanied by any relevant supporting documentation such as medical reports. There are some strict rules when it comes to filing an appeal – the ERISA regulations dictate how much time you have. As disability insurance specialists, we can help you to appeal your case – making sure that your application is both accurate and within the appropriate deadlines.

The Types of Cases We Manage

Long-Term Disability Claims

Long-Term Disability Claims

Long-Term Care Claims

Long-Term Care Claims

Insurance Bad Faith

Insurance Bad Faith

Insurance Appeals

Insurance Appeals

When to reach out to an attorney for help.

Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.

Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.

Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt

Founding Partner

Kyle Shelton

Senior Partner

five star

Ray Ortega | July 2021

In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

If you feel that Metlife, or a subsidiary has wrongfully denied or delayed your claim for long-term disability, life insurance, or long-term care, then get in touch. Ronstadt Law will assess your case with absolutely no charge to you, and give you an expert opinion of your options moving forward.

Please note that Ronstadt Law has discretion to consider potential clients and can refuse to provide a free evaluation depending on several factors, including existing client commitments.

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