Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life insurance and financial services, the company has a robust disability insurance business as well.
If you’ve recently had a long-term disability claim denied by MetLife, we understand how frustrated you might feel. Before you give up and accept MetLife’s decision, you should consult with a disability insurance lawyer at Bryant Legal Group. We have extensive experience with MetLife disability insurance appeals and can help you understand your legal options. Keep reading to learn essential steps you should…
Continue Reading How to Appeal a MetLife Long-Term Disability Denial

Long-term disability (LTD) benefits can be a lifesaver for people who are unable to earn an income due to sickness or injury. If you are not able to work for months or even years at a time, it is a relief to know that you will still be getting a monthly check to help pay for your necessary expenses.
Most LTD plans will pay monthly disability benefits for as long as you remain disabled or otherwise meet the policy’s requirements. However, you may have an alternative option: a long-term disability settlement or buyout. If you go this route, instead of…
Continue Reading How Much Is My Long-Term Disability Settlement Worth?

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in the United States.
They also, like many large insurers, have a long history of unfairly denying legitimate claims. Courts have had to hold them accountable many times, including a $40 million settlement in 2014 after Prudential denied full death benefits to fallen soldiers’ families. They were also forced to revise their life insurance practices in 2023 after the U.S. Department of Labor found that they had denied hundreds of claims…
Continue Reading How to Appeal a Prudential Long-Term Disability Denial

You’ve filed your application for long-term disability (LTD) benefits, carefully providing all the necessary information and submitting all your relevant medical records. When you get the insurance company’s response, you’re shocked to see a denial of benefits. The insurance company found that your disabling conditions were pre-existing (and therefore, not covered by your policy).
At Bryant Legal Group, we’re used to insurance companies broadly interpreting our clients’ medical records and incorrectly applying pre-existing condition exclusions.
Whether you’re purchasing a new disability insurance policy, thinking about filing a claim, or are dealing with an unfair claim denial, here are six…
Continue Reading Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know

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.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block} New York Life Insurance Company is one of the largest long-term disability insurance providers in the country, with roughly $1.5 billion in in-force premiums. That includes premiums from 9 million or so customers they added to their list in 2021 after purchasing Cigna’s group life and disability business.If you’ve recently had a long-term disability claim denied by New York Life (or its underwriter Life Insurance Company of America, formerly part of Cigna), hope is not lost—but you will need to act quickly. Almost all group…
Continue Reading How to Appeal a New York Life Long-Term Disability Denial

If you are a high earner and plan to continue working at least a few more years, what is your most valuable asset? Almost certainly, it’s your future earning potential.
If you lost your ability to do your current job, would you be able to pay your expenses? Support your loved ones? Maintain the standard of living you’ve come to expect? Pass on an inheritance to your children?
Purchasing good long-term disability (LTD) insurance coverage is one of the smartest decisions high wage-earning individuals can make. For a relatively small monthly premium, you can guarantee a substantial portion of your…
Continue Reading How to Choose Individual Disability Insurance: A Guide for High-Net-Worth Individuals

There’s a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming in. No more financial insecurity. No more worrying about being able to afford the life you worked hard to build. Right?
Unfortunately, it doesn’t always play out that way. Long-term disability benefits are expensive. And while your insurance contract may promise that benefits are payable for a certain period—maybe even until retirement age—there are plenty of terms, conditions, exclusions, and exceptions in the fine print. The insurance company has a strong financial incentive to determine you’re no…
Continue Reading What To Do if Your Long-Term Disability Benefits Are Terminated

According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly are even higher among entrepreneurs, educated professionals, and high wage earners.
Financial advisors play a critical role in helping their clients invest, manage risks, and protect their financial future. And that very much includes preparing for the possibility of a long-term disability. If you’re a financial advisor, you likely already have several clients in this exact situation.
Long-term disability insurance is a crucial part of making sure your clients successfully manage this risk and protect the lives…
Continue Reading What Financial Advisors Need to Know About Long-Term Disability Insurance

Over the past several decades, advances in health care, hygiene, nutrition, and other factors have helped increase life expectancy. But with longer lifespans also comes a greater need for assisted living facilities, nursing homes, and other long-term care options for seniors.
Roughly half of all adults will need long-term care at some point in their lives. That includes roughly 2 out of 3 seniors who are currently 65 or older, according to the Administration for Community Living.
One way to help prepare for this possibility is by purchasing long-term care insurance, usually as a component of a broader life…
Continue Reading What Does Long-Term Care Insurance Cover?

Whether you’ve just filed a long-term disability claim, or you’ve been on claim for years, chances are sooner or later you’re going to have to talk to an insurance claims adjuster, who will be responsible for approving or denying your claim.
Insurance adjusters (often also referred to as claims handlers or claims analysts) are a necessary part of the disability claims process. They help the insurance company evaluate claims and identify potential cases of fraud. But they don’t always make the right decisions, and they’re not necessarily looking out for your best interest. Insurance adjusters can and do deny or…
Continue Reading How to Talk to Insurance Claims Adjusters About Your Long-Term Disability Case