Skip to content


Helping Disabled Claimants Nationwide "Whatever It Takes" to Get Your Disability Benefits Paid



Facebook Twitter Get Updates


Free Phone Consultation Nationwide
CALL (800) 682-8331
Click to be called now

We offer no fee or cost unless you get paid


Episode 12 Liberty Mutual Long Term Disability Insurance Claims

Related Videos

Episode 12/1: Liberty Mutual Long Term & Short Term Disability Insurance Claims
Episode 12/2: 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.

There are 24 opinions so far. Add your comment now.

Brian Hanson:

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.

Attorney Greg Dell:

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).

Kevin:

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.

Attorney Greg Dell:

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.

Angus:

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).

Attorney Greg Dell:

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.

Catherine:

My claim was just pulled from me. Basically they almost cost me my life. I ended up suicidal due to their denial of my claim after they, somehow, diagnosed me without ever seeing me.

I was just released from the hospital yesterday, I had major sinus surgery and prior to that I was also out for depression and anxiety.

My case manager admitted that she did receive two voice mails from my Primary Care doctor, with the request of a call back to her so she knew more of what they want. My case manager told me that she doesn’t call doctors back.

I am also concerned that the spelling of my ENT is incorrect, I also have followed up with one of the therapists regarding what she had sent to Liberty Mutual and what they actually stated as part of my denial.

Is there anyway to get the records from Liberty Mutual that the doctors actually have sent regarding my health concerns?

Attorney Greg Dell:

Catherine,

If your claim has been denied you have a write to request a copy of your entire claim file. This claim file will include every document that Liberty Mutual has received with regard to your disability claim. If your don’t see your doctor records in the claim file, then Liberty Mutual never got them.

Stressed:

I had a moderate to severe stroke and have been approved for SS disability. I was receiving LTD from Liberty Mutual and they had me see a doctor and decided to cancel my LTD benefits after only 11 months. I have paid into this insurance and need the benefits. I am a single parent with bills. My doctors and family do not believe that I am capable of returning to work yet. Hence, the doctors have not released me to return but I can’t financially afford not to. I talked with LM and they said they have a different set of rules for determining disability than social security. They told me all this over the phone. This is so stressing to me. My blood pressure is elevated. What can I do?

Attorney Greg Dell:

Stressed,

If your Liberty Mutual Disability Denial is governed by ERISA, then you must file an appeal of the denial within 180 days. The appeal must be sent to Liberty for their review. We handle ERISA disability appeals on a daily basis and we can provide you with a free consultation if you send us a copy of your denial letter. Please visit this page to learn more about ERISA appeals and the importance of submitting a strong and detailed appeal.

Julia:

Need help getting my 3 weeks pays for log term. I had foot surgery and they denied me the last 3 weeks of pay before returning to work. Can you help me get my appeal letters ready? I am strapped for money now back to work and have to wait another 2 weeks for my pay to start all over. I am a mother of two teens. Can you help?

Attorney Greg Dell:

Julia,

It is great that you were able to return to work. You should send in any updated medical records and a letter from your doctor supporting your inability to work the last three weeks before returning to work. We cannot assist you due to the fact that you are only seeking three weeks of benefits.

Linda:

I was on short term disability, I am also on SSD. After six months Liberty called and said you will start getting long term – I said I didn’t pay for long term just short term. They said, well you also long term. This went back and forth for a few days then they reassured me that we have it. $540.00 later they called and said you do have LTD and you have to pay us back. Do I?

Thank you,
Linda

Attorney Stephen Jessup:

Linda,

If you received money that you were not entitled to, even if Liberty made the mistake, they may very well have the right to recollect the money from you.

John O.:

In order to qualify for LTD benefits from Liberty Mutual, a person must basically meet the standards required by SS in order to get SS Disability benefits. But if a person gets SSD benefits, then he or she must refund LM the money that was received from the LTD coverage, per the offset language in the LTD contract. It seems that LM wins by taking premiums if the person never is injured and therefore never seeks payment under the LTD policy. On the other hand, if the person is injured and gets paid according to the LTD coverage, Liberty Mutual wins again because that money has to be paid back to LM from the SSD settlement. Ever think of doing a class action vs. LM for the scam it runs whereby all they do for most folks is just take premiums, and the relatively few, percentage-wise, on which they pay out claims, they get reimbursed in the end?

Attorney Stephen Jessup:

John,

Unfortunately there is no legal basis for any class action against the insurance industry for having language allowing for offsets under a disability policy. As we have discussed in our videos and on the website, the proverbial adage “you get what you pay for” rings true when it comes to disability insurance policies. ERISA based policies provided by your employer come at extremely low premiums (and in some cases you don’t have to pay any portion of them at all), but the trade-off for that is less than favorable policy language. On the other hand, if you purchase a private disability policy on your own from an agent you pay (by way of much higher premiums) for more favorable policy language across the board that doesn’t allow such offsets. It’s like choosing between a base model car vs the version with all the bells and whistles.

Kathy:

If I am collecting Long Term Disability through Liberty Mutual am I also allowed to collect my Widow Benefits that I am entitled to in December at age 60 without losing any of the Long Term Disability which is only 50% of my pay which is almost impossible to live on.

Attorney Stephen Jessup:

Kathy,

You would have to review your policy to see if it is an enumerated offset. That being said, I have not seen a Widow Benefit be considered an offset as it has nothing to do with your disability.

Yvette:

I am currently receiving LTD from LM. I would like to know if I have to pay back payments if I begin receiving SS benefits.

Attorney Stephen Jessup:

Yvette,

If your policy indicates Social Security as a source of “Other Income Benefits” subject to repayment, then yes you will be responsible for refunding any overpayment made.

Teri:

I inherited an IRA from my fathers trust when he passed away. The payout is under $400 / mo. Could this income be considered as an offset to my LTD that I would have to pay back? I am on permanent SS disability and long term disability through MetLife.

Attorney Stephen Jessup:

Teri,

More than likely, no. That being said, you will have to review your policy to see what MetLife determines to be “Other Income” susceptible to offset under the policy.

Larry:

I have read all the information I have found about LTD coverage through Liberty Mutual. I was approved LTD and I was told up to 2 years due to it being a mental issue. I have appealed and am filing for SSDI… My question that I can not find a answer to is: if I win my case what do I have to pay LM back? If I lose my case what do I have to pay LM back? If they drop my case what do I have to pay LM back?

Attorney Stephen Jessup:

Larry,

I am assuming you are referring to what you may owe Liberty Mutual if your claim for SSDI is approved? If so, Liberty Mutual would be entitled to collect any back benefit award from the SSDI that overlaps with a time period they were issuing you a monthly disability benefit.

Add your comment

Please be advised that your comment will be public. Any information contained on our website is for informational purposes only and not legal advice. If you are seeking assistance with your claim, then please use our confidential Free Consultation form.



Your name will appear with the comment


Your email address will not be published

Please note: The comments are moderated.
Your comment will need to be approved before it will appear on this page. No off topic post will be accepted. Our attorneys may respond to your comment.

Subscribe without commenting:


Request a Free Consultation

Click here or call 800-682-8331 now!

We respond the same day.
We represent disability insurance claimants all over the United States.

Testimonials

Read what our clients say about us.

  • Rhonda L. Gregory Dell has saved my family from bankruptcy. I got sick with Vasculitis and had to undergo 4 years of chemo treatments. I worked during this time as pharmaceutical...› continue
  • Agnes X. Alex helped me and my brother for multiple cases in the past five years. He earned my trust and confidence through his hard work, attention to detail, well thought plans...› continue
  • Steven W. "Whatever it Takes", and you can take that to the bank, as I did. I was declared disabled in March 2010 after unsuccessful Back surgeries, CSC Implants, numerous other...› continue

More Testimonials