We represented a chiropractic physician in a total disability claim with Metropolitan Life Insurance Company. Along with our letter of representation, we included a copy of the initial claim for disability benefits, a copy of the police accident report and medical records related to our clients treatment. Our goal was to see that MetLife Approves disability insurance benefits for our client.
Our client was involved in a hit and run accident with a heavy duty truck while stopped at a traffic light. As a result of the accident, our client suffered from neck, shoulder, and back pain, and headaches. He also experienced numbness in his upper and lower extremities. His doctors have recommended surgical intervention as other treatments were not working to relieve the pain.
Our client purchased a disability insurance policy nearly 20 years prior to his accident, thinking he would never have to use it. However, because of the nature of his practice as a chiropractor he felt it was wise to protect himself. The policy states that he is paid monthly total disability benefits if he cannot perform the substantial and material duties of his own occupation. Whether he could perform some other occupation is not relevant.
He is an established chiropractic physician with a thriving practice, but as a result of the accident the pain and numbness he experienced was making it impossible to continue working. Eventually, he had to sell 100% of his practice and resign as a chiropractic physician.
As result of our letter and the corresponding medical evidence of his ongoing disability resulting from the car accident, MetLife approves disability benefits for our client.
Because each client’s case is unique and has different facts, results similar to those in other clients’ cases are not guaranteed.