Opinion ID: 2976061
Heading Depth: 2
Heading Rank: 1

Heading: Iley’s LTD Benefits Claim with Met Life

Text: Iley applied for LTD benefits from Met Life and received benefits effective November 11, 2001. In July 2004, Met Life wrote Iley that she fell within the Limitation and that her LTD benefits were terminated. The letter also included the relevant portions of the Plan. Iley appealed this decision and her physicians submitted statements regarding Iley’s disability in -3- No. 06-2589 Iley v. Met Life conjunction with her appeal. However, none of these statements referenced a current diagnosis of radiculopathy. Met Life denied Iley’s claim after the second review process in January 2005. Met Life indicated that her claim file was reviewed by a “Health Care Professional.” Met Life again noted that Iley fell within the Limitation and could no longer receive LTD benefits. With that appeal, Iley exhausted her administrative remedies against Met Life.