Recently, a Florida woman filed a MetLife disability insurance lawsuit against the company stating that she was not paid her long-term disability benefits.

Plaintiff Tamara C. of Florida became disabled on or around March 2013. If she had remained at her job, she would have been at serious risk, she claims.

She continued to work as long as she could until she was forced to stop working or face serious health consequences.

Metlife Disability Insurance Benefits Denied to Fla. Woman

According to this MetLife disability insurance lawsuit, despite the clear evidence that Tamara could not continue to work and that doing so would make her condition worsen, MetLife refused to acknowledge her condition.

MetLife denied her benefits despite the opinion of physicians and took the position that she had improved and did not continue to suffer from organic brain disease, Tamara claims.

Tamara began seeking long-term disability benefits from her insurance provider, MetLife on July 27, 2013. Less than 2 years later, on July 26, 2015, her disability benefits were terminated.

And then a few months later, in October of 2015, MetLife closed her case. The insurance giant said that her MetLife disability insurance benefits were no longer needed because Tamara’s physical condition did not prevent her from having gainful employment.

MetLife also determined that she did not suffer from “organic brain disease” despite evidence to the contrary, she says.

Even though Tamara appealed the decision in a timely and appropriate manner, the company continued to deny her her MetLife disability insurance benefits.

She submitted sufficient medical records and reports to MetLife, yet still they continued to deny benefits.

Tamara claims that she has and continues to suffer from a disability that is well within the conditions covered by her policy.

She says that not only has her condition not improved, it has worsened.

The plaintiff claims she has complied with all the conditions and provisions and that MetLife is indebted to her for insurance payments after August 1, 2015. She also claims that they are obligated to future payments under her MetLife disability insurance policy.

She also claims that she has exhausted all administrative remedies set out under her MetLife disability insurance policy plan.

Tamara believes that MetLife’s denial of her disability benefits were arbitrary and capricious.

Along with past and future payments that she believes she is owed, Tamara is asking that MetLife pay her attorneys’ fees and costs for having to bring this issue to court.

In order to deny or delay claims, sometimes an insurance company will willfully ignore professional diagnosis or use biased experts. They might even change policies after a claim is filed. Some insurance companies even go so far as to claim a person is not disabled and can work despite a medical diagnosis to the contrary.

These kind of tactics fall under bad faith insurance. If an insurer, like MetLife, has practiced bad faith insurance, policyholders, like Tamara, who have been unreasonably denied, may be eligible to file a complaint.

The MetLife Disability Insurance Lawsuit is Case No. CACE 16-014500 (09), in the 17th Circuit Court of Broward County, Florida.