Episode 12 Liberty Mutual Long Term Disability Insurance Claims
In this two part episode disability insurance attorneys Gregory Dell Stephen Jessup and Rachel Alters of Attorneys Dell & Schaefer discuss Liberty Mutual Disability Insurance Company and their handling of long term and short term disability insurance claims.
From our law firms experience of handling disability claims against every major disability company, Liberty Mutual is in the top three for most claim denials. Liberty appears to be very busy in evaluating disability insurance claims and that unfortunately results in unreasonable claim denials.
In this video our disability lawyers discuss disability lawsuits against Liberty Mutual, a recent Liberty Mutual disability denial of a client with fibromyalgia, and the disability claims handling tactics of Liberty.
Please note: Disability insurance attorney Gregory Michael Dell created Disability Insurance Law TV in order to educate long term disability claimants about common issues related to long term disability insurance claims. New episodes are filmed on regular basis. Our disability videos are for informational purposes only and they are not legal advice.
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I am actually an adjuster. I was involved in a plane crash. I was the pilot and at fault and therefore no tortfeasor. However, my employer, Farmers Insurance has a disability plan which is handled by Liberty Mutual (LM). I have severe injuries to include 3 spinal fusions, brain injuries, and massive structual damage basically my whole body. I was deemed Totally and Permanently Disabled by Social Security. I was involved in a motor vehicle accident 2 years later and offered $50,000 for general damages (pain and suffering not to include specials). Farmers is the tortfeasor’s carrier. Liberty Mutual placed a lien on the Farmers claim citing under ERISA they are entitled to my pain and suffering payment. There is a doctrine called “made whole” which essentially means the claimant (me) gets paid before they do. I filed an Insurance Commissioner complaint against Liberty. I called Liberty and advised them of the DEPARTMENT OF INSURANCE (“DOI”) complaint. Literally, 5 minutes later LM calls back and states that they are now going to do a peer review on my claim. They say it is a “coincidence” that their decision to peer review my claim comes minutes after receiving the DOI complaint. I urge anyone who has problems with LM to file a DOI complaint. Do this before you hire an attorney. If you hire an attorney first the DOI will refer you to your attorney. Allow the DOI to investigate and if there is no resolution after 30 days then hire an attorney. If you are under appeal guidlines where your appeal has to be completed within that 30 days, then obviously hire the attorney first. But take LM to the mat and let’s teach them to be ethical. I’m having problems and i have been an adjuster myself for 15 years, have a degree in Law & Justice, and an AIC designation. As an update, the lien has not yet been released, and i have yet to receive a penny from my Farmers auto accident injury claim.
Brian, I am sorry to hear about your difficulties with liberty mutual. Filing complaints with the department of insurance is a good idea in some disability cases, but each state has different rules regarding the procedures to do so. On our website we have provided links to the department of insurance for every state (see the Locations page).
Hi,
I have been out of work for over 2 years. I have Liberty long term ,I had to get an attorney to recieve that. Liberty tried to get out of paying. I was in an auto accident an I had a lawyer handling that case.They drag their feet and I lost everything basically, but my clothing. Liberty has forced me pretty much to file for S. S. Disability.
Anyway, to sum it up, the attorney for the auto accident took most of my $25,000.00 and wouldn’t peruse my U.M. claim (I think thats a bunch of bull). And Liberty Mutual wants to be paid back when and if I recieve my S. S. Disability. I paid for L. T. Disability at my job every pay period.
What can I do, it seems I keep getting blown off. Can someone please give me some straight answers?
Thanks.
Kevin,
If your Liberty Mutual Disability Insurance policy has a social security disability offset provision, then Liberty will be entitled to claim the social security disability benefits that you may be paid.
Hello,
I have been covered under LTD by Liberty Mutual for the past two years after I collapsed at work due to severe Emphysema (diagnosed one year earlier). Social Security had me examined by two different physicians and approved my “total disability” the first time through because it was very obvious to their doctors that I was quite disabled from even doing simple (sedentary) task a lot of the time. As well my CT scans and X-rays showed that it was a small miracle that my PFT test were (barely) moderate considering the severity of my (digressive) illness.
Once I was drawing SSD and Liberty was only paying me just above $100 per month they began an aggressive attack to make sure that they could drop my claim either before and definitely after the two year (non-sedentary) period. They have just informed me that they will be dropping me and that I can appeal if I choose.
I am too ill most of the time to even attempt to fight them (or their money) in court and getting worse with each passing month. However, I am a documentation person and have legal (digital) phone recordings (single party consent state conversations) of every conversation by the (many) “claims managers” that have mishandled my claim over this period… often giving me time-lines that most healthy people would find challenging to complete and return their requested documentation.
There is not enough time here to go into detail on how heartless, manipulative and deceptive most of these LM managers have been while dealing with my case… but the complete story would likely stop most people from ever paying into any LTD insurance policies.
I have but one simple question. I will not live long enough to fight these people in court and want to try to create public awareness (through my documentation) of the tactics of LTD insurance denials. Can I legally use these digital recordings publicly (via Internet, media etc.) to expose them for what they are doing to innocent people?
I don’t have much life left and even this task is difficult at best… but I’d like for my last days on this Earth (and my experience and proof) of LM’s intentional denial of valid claims to count for something before I go.
Thanks from myself, my wife (and many others I’m sure).
Angus,
The use of digital recording without permission of the other party is different in every state. I would be very cautious in your use of these recordings. You should not identify the names of any of the parties involved. You can blog and discuss your experience with Liberty Mutual as much as you want. It is important that any statements you make are truthful. You should appeal your denial and not give up your fight for benefits. Please contact us if we can assist you.