MetLife Critical Illness Claim

When you file a MetLife Critical Illness claim they ask for a very brief Claim form to be completed and submitted. Upon reviewing the form, medical records and a Doctor’s Statement, the insurer will decide if a claim offer is justified.

In order for a Corebridge critical illness claim to be considered the insured must have a Covered Condition, have a Policy in good standing, and the Benefit Calculation must have a net positive result.

Very little help is offered by the insurer to complete the Claim form or evaluate the accuracy of a benefit offer. We’re experts at both and represent anyone with a critical illness claim to ensure fair treatment and maximum payout offers.

Critical Illness Insurance

A Critical Illness Benefit is a Rider to a life insurance policy that allows the policyowner to receive part of their death benefit while they are still alive if they’re diagnosed with an illness that is covered by the Rider. A Critical Illness Rider is a supplemental benefit — or an add-on — usually to a life insurance policy. They’re also known as Living Benefits. Many of the largest life insurers in the US offer Living Benefit riders to their life insurance policies.

When a policyholder has been diagnosed with a critical illness they can make a claim against some portion of the death benefit of their life insurance. If the claim is approved they’ll receive the money while they’re still alive.

Step-by-Step Guide to File a MetLife Critical illness Claim

1. Review the Terms & Conditions of your Policy.

2. Confirm that your illness is a Covered Condition.

3. Contact the Claims Department and request the Claim forms.

4. Inform your doctor you will need a written statement about your condition.

5. Submit the Claim forms and Physician’s Statement to MetLife.

6. Review the benefit offer before accepting.

7. Seek assistance from the Center for Life Insurance Disputes.

MetLife Critical Illness Claim Form

The Claim form asks for basic information about the insured such as name, address, and policy number. It also asks when the person was diagnosed with their condition and who the treating doctor is. There are medical conditions listed, and the insured will check one next to their condition.

Note: It’s much better to write out a description of the insured’s diagnosis with as much detail as possible and attach it to the claim form. This helps to ensure the claim examiner doesn’t make any wrong conclusions about the medical condition.

The most important part of the Critical Illness claim form is the Attending Physician’s Statement. This is to be completed by the doctor who is treating the insured.

Warning: The doctor doesn’t know what Conditions are in the policy for any critical illness. For example, the doctor doesn’t know that for a Stroke claim to be approved specific imaging tests have to have been completed and evaluated in writing. Therefore, simply acknowledging the insured had a “stroke” won’t be enough to get the claim paid.

Doctors are busy professionals and they aren’t likely to spend time making sure they meet the reporting requirements of a life insurer when the complete the Attending Physician’s Statement. That’s why it’s so vital to have your own claim representative who knows what the policy says, what the insurer wants, and works with the treating doctor directly.

Common Reasons a MetLife Critical Illness Claim is Denied

1. The medical Condition isn’t a Covered Condition of the Policy.
2. The Insured’s medical records are incomplete.
3. Disagreements over Policy definitions.
4. The Policy wasn’t in effect when the medical Condition was diagnosed.

Help with a MetLife Critical Illness Claim

Insurance companies don’t give people instructions on how to get their critical illness claims approved. The process is secretive and it doesn’t favor the policyholder. These claims are not simple. Having a specialist working just for you who has the background and knowledge of how to get a critical illness claim approved will greatly increase the chances of the claim being paid.

Contact us to act as your Critical Illness Claim Specialist. We represent policyholders in all US states.

Read:

Chronic Illness and Critical Illness Claims are Living Benefits added to most life insurance policies. Filing a claim and getting a maximum payout includes becoming knowledgeable about the coverage and claim process. Learn more.

Insurers calculate Living Benefits in their favor, not the Insured’s. Learn how these calculations are done and what to Beware of.