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Attorneys for Liberty Mutual Disability Claims

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Liberty Mutual

Liberty Mutual Insurance Company also known as Liberty Life Assurance of Boston is a short term and long term disability insurance company that likes to play hardball with your disability benefits. We often think that Liberty forgets they are making claim decisions which will substantially impact a person’s ability to financially support themselves or their family.

Liberty Mutual is no stranger to the Federal Courts as they are sued numerous times every years as a result of unreasonable disability claim denials. On any given day our law firm has multiple Liberty Mutual Appeals and lawsuits pending on behalf of clients located throughout the country.

Whether you are applying, appealing or need to file a lawsuit against Liberty Mutual, call us for a free phone consultation.

Five Reasons Liberty Mutual Disability Denials Are Common

The majority of the Liberty Mutual disability policies are governed by ERISA. This means that a claimant must be able to prove that Liberty acted unreasonably in order to reverse a claim denial. Pursuant to ERISA regulations, a judge is required to give deference to the insurance company.

Please watch some of our ERISA disability videos to learn more about how ERISA relates to disability claims.

Due to the high number of Liberty Mutual disability denials we have identified the following routine reasons for claim denial:

  1. Liberty fails to take into consideration the pre-disability occupational duties of the claimant. Instead, Liberty will give the job a classification such as sedentary and make a determination that if a claimant can sit for 4-6 hours a day, then they must be able to do their job. Unfortunately, Liberty fails to take into consideration that even a sedentary job requires a person to think without disruption. Pain is a disabling factor that prevents most people from being able to focus and effectively do their job. Liberty will commonly argue that pain is subjective and there is insufficient medical documentation to support your level of pain.
  2. Liberty relies very heavily on video surveillance to deny claims. Please watch our Liberty Mutual video to learn more about this.
  3. Liberty will often argue that a person does not have sufficient objective evidence such as an MRI, CT SCAN or X-ray to support the subjective complaints of pain. There are many medical conditions such as fibromyalgia, back and neck disorders, chronic headaches, and chronic fatigue in which diagnostic testing can never reveal an individual’s level of pain. Liberty essentially creates an artificial burden which a claimant can never satisfy.
  4. Liberty will hire a medical doctor to review the medical records only and never examine the claimant. We always find it hard to understand how a doctor reviewing medical records only can make a determination about an individual’s ability to work 8 hours a day. In many cases we have seen Liberty violate ERISA by relying on the wrong type of medical specialist to review a claim.
  5. Most Liberty mutual disability policies change to an “any occupation” definition after 24 months of payments. In most cases Liberty will make a determination that there it at least one job that a claimant could perform.

Liberty Mutual Disability Cases, Complaints And Videos

We are always trying to provide as much information as possible in order to educate and manage the expectations of Liberty Mutual disability claimants.

On our website you can review some of our Liberty Mutual Videos featuring attorneys Gregory Dell, Stephen Jessup and Rachel Alters. You can also read short articles discussing Liberty Mutual disability lawsuits and court opinions nationwide. Lastly we invite you to post your comments, complaints, or questions about Liberty Mutual on our website so that other Liberty policy holders can learn from your experiences.

Contact us privately if we can assist you with your disability claim anywhere in the country.

There are 37 opinions so far. Add your comment or complaint now.


If you work for Liberty Mutual & you get sick & need to utilize their benefits – be aware, they are known for denying the disabled – they are in the practice of clouding there policy (management of claims) by personal feelings – they are manipulators & use false advertising, “Responsibility, What’s Your Policy”. I recommend retaining an attorney during the claims process – they will do what they can to make your life miserable & not even think twice – about it. FYI: If you do RTW after a disability – they are not cognizant that some progress was made, the obvious reason for RTW, however don’t think for a second they will be empathetic (even on the first day) – you can forget about the treatment that was somewwhat helpful while not working – consider it a figment of your imagination, you’ll be starting from scratch – what a waste – mentally, physically & financially… don’t inerpret courtsesy payments as a courtsesy – if you’re denied disability – they will snatch it from you! Which is not indicated in the contract/policy – total conflict of interest. LM is not what you think it is – while working there – you’re being brainwashed, you will be schocked. Start contacting attorneys & TV stations – if you have been wronged! The public needs to know – they will manipulate there way out – however, it’s important to let it out – for your own sanity!


We must have worked for the same center! I always praised Liberty “what a great company to work for”! But now, I know first hand. They are so nice while DENYING everything about your claim. It’s true they twist their policy hoping you go broke and have to go back to work. They will not pay claims even if your in a coma with not chance of survival. But they will deny the claim politely and with a smile.


We believe that when we buy additional insurance for LTD, we expect to be treated fairly regardless of our current physicial and mental situation. We think we are protected by buying additional insurance; it’s false: they will take our money and when we need help they will deny everything just to pay us back. We don’t get sick on purpose, it will happen. Liberty Mutual put in so much of stress, pain, that I am going through major depression. They have no remorse when an ill person needs help. It makes me think how much of a croak they are. When it’s time to give, they will take, when it’s time to give, we are the victim. This is not right. I have been going under so much financial stress ’cause of Liberty Mutual. Its my body and I know the pain and aches I go through. I am not fit to go back to my job, and they are forcing me to go back. They have denied my claim twice and I don’t know what to do next.

Attorney Greg Dell:


You need to appeal your denial and preserve your rights. Don’t stop fighting for your claim as this is what Liberty Mutual wants you to do. We help claimants with appeals and if you have not already contacted us, we can let you know immediately if we can assist you.


This is interesting, got denied by them. The way they forced me to grab info from doctor’s it came out like my doctor’s felt I was just a lazy bum. Letter looked like my doctors were on their side. After I got letter I went and talked to doctors who all gave me letters recommending disability pretty emphatically. Don’t know if it’ll do any good at this point, but helps me. I’d worked through very traumatic experience with my wife’s health to get company project done and ended up losing 40 lbs., diagnosed with depression and back problem which has me more than a bit scared.

My work ethics are killing me (according to psychologist who says I’ve been working right through health issues because of my strong work ethics when I should have retired years ago) and old back injury I thought was probably suffering from failed operation has been joined by more but separate issues like cysts, another herniated disk, etc. But LM doctor says that’s normal for someone my age (60). That’s kind of scary, wonder what it looks like for 70.

I’m an old computer nerd who learned to ignore pain cause work seemed more important but I can’t tell you how much it hurts when they pretty much say your just a bum when you’ve been working nights on your own time for years to make things work, been granted big bonus’, etc..

Guess reward for hard work just isn’t what used to be, huh.

LIsa Rucker:


My name is Lisa and I have been on LTD since 2006. When I went out on disability it was for pain management. While I was waiting for an appt. my job terminated me on FMLA. I sued them and won and my LTD has been in effect. The plan terms state until I am 65 yrs old and I am now 48yrs old. Liberty Mutual decided to get Basset Law Firm to fight for my SSI benefits, and within 5 minutes of being in the court, the GI specialist got on the phone and stated that I was disabled the second I walked out of the door from my IBS, Acid Reflux, Twisted Colon, GERDS, etc, . So they granted me long term disability due to that instead of the fibromyalgia, co-morbid nerve damage, chronic pelvic pain, bone surr off left hip, L4-6 attached to pelvic bone and tilted pelvis, etc… Well after 7 years of sending in their yearly claim form that I had my pain clinic md fill out, I decided to give this form to my gi specialist since they just did procedures and found polyps and internal hemmoriods and ulcers. I then received a call from my md stating that Liberty Mutual is requesting additional information for restrictions. So I call my case manager and her manager inquiring about this explaining that the Federal Govt found me to be totally disabled due to my digestive disorder. I asked them “WHAT is a GI MD supposed to put down as restrictions?, no milk?, no cheese?” And Lynn the manager kept yelling at me stating they need to know “WHO is keeping me out on disability?, WHAT MD told you that you can’t work?” She stated they need to know the limitations or my claim might be denied. I told her that she needed to look through my big file and find the letter from the Federal Govt and leave my GI specialist alone. I have been threatened that I can loose my benefits if they do not list restrictions. HOW CAN YOU LIST RESTRICTIONS FOR GI? I feel like I am being harrassed and the stress is killing me. I have done all my due dilegence but it seems like Liberty Mutual wants to cut me off and I know there is something wrong here.

Can anyone please help and tell me what my rights are at this point please?

Attorney Stephen Jessup:


Unfortunately, entitlement to disability insurance benefits is a month to month evaluation and as such the carrier can request updated claim forms and information on a month to month basis. Additionally, the policy most likely contains language that you have to be under the regular care/treatment of a physician for your condition in order to receive benefits. Your doctor will have to indicate restrictions and limitations as to your ability to work based on your disabling conditions. I understand that you do receive Social Security disability insurance benefits, but receipt of same is not a guarantee that benefits will continue to be paid under a disability insurance policy.


They just made me take the MMPI. I am scared that they will deny my benefits by relying solely on that test. If they do is there anything that I can do about it or is that test considered a nail in a coffin? I hear so many horror stories about both Liberty Mutual and that particular test. My disability is mental.

Attorney Stephen Jessup:


In the event of a denial you will have the ability to file a formal appeal of the decision. Please note that Liberty Mutual usually only allows one level of administrative appeal so it is imperative that your appeal is complete as possible. Please feel free to contact our office in the event that your claim is denied.


Hello, my name is Victoryia and I have been on sick leave from a self insured company since Sept. 2013 for an auto accident. In Dec I started received calls every two weeks or weekly from Liberty Mutual Rep. Requesting more information from every specialist I have seen after Liberty has already faxed each doctor requesting their notes. However after requesting information from all physicians Liberty calls me each time so I can call to get on those doctors to have them send papers faster or I will not get my weekly check. So while in pain and dealing with migraines, neck and back pain I now have to fight for a little 300.00 check, which they made me sign a paper to pay back if I receive money from this auto accident. Now Liberty has stopped my check pending review for long term disability and told me if they feel I should be working they with deny my benefits even if my doctor still has me off. Yesterday they called the secretary of my primary doctor who has me off asking her why im still off of work after my doctor has already sent notes last week. I have been in therapy for a few months 2 or 3 days a week. My checks have been stopped four times until they received paperwork which has cause bills to pile up and credit cards max. I just cant take the phone calls anymore, all the questions and stress while in pain. How can I make this stop?

Attorney Stephen Jessup:


I am sorry to hear of your difficulties. You are certainly not alone. Due to the fact you indicate receiving weekly checks I assume that your claim is currently for short term disability benefits. Unfortunately, when the review for entitlement to benefits occurs on a weekly basis it does give the carrier more leeway to continually request information. That being said, it does appear that Liberty is preparing to deny your claim for benefits. Please feel free to contact our office to discuss how we may be able to assist you.

Colleen Skowronski:

Apparently I am too sick to work and too well not to. I am on unpaid medical leave since being denied Long Term Disability (LTD) by Liberty Mutual.

I spoke to U.S. Department of Labor’s Employee Benefits Security Administration Compliance Assistance, EBSA. When I disclosed that Lorraine Suell of Wells Fargo had approved unpaid medical leave and Liberty Mutual had denied LTD pay they were surprised. I was advised that Wells Fargo and Liberty Mutual need to be on the same page (i.e.) I am eligible for Medical Leave I should be getting LTD payment.

The primary responsibility of Liberty Mutual Insurance is to act in the interest of participants and beneficiaries. I have submitted to Lorraine Suell two Wells Fargo Team Member Certification forms for medical leave, one signed by Dr. Salganick, Hematology Oncologist at Ironwood Cancer Research Center on May 28, 2013 stating my “chemotherapy is having a powerful residual effect” and may have caused neurological damage causing me to fall frequently. Also included Wells Fargo Team Member Certification Form signed by Dr. Rosemarie Ludwig at Phoenix Psychological Services on May 12, 2013 stating “Chemotherapy has affected her physically’ and I am unable to job function due to… “memory loss, depression and physical symptoms”. My doctor Rose Marie Ludwig is a PhD. Liberty Mutual intentionally mis-represented her as a M.D. in my denied my claim and also misquoted her. Apparently these two well respected Doctors are too subjective and Liberty Mutual had denied LTD pay.

I am requesting your assistance. I do not have an income. Radiology with Chemotherapy and loss of income has used up most of my savings and my 401(k). Please help me if you can.

I recently fell into a coma and almost died after a Colon Cancer recovery.

Attorney Stephen Jessup:


If you have not already filed your appeal, please feel free to contact our office to determine how we may be able to assist you in filing same.

Kamisha Webb:

My therapist took me off work via STD as of February 2014 and last Friday Liberty Mutual denied my claim, they told me I could appeal it but only have one shot at it. Is there anyway your firm can assist?

Attorney Stephen Jessup:


Please feel free to contact our office to discuss your claim.


Had a traumatic brain injury in January 2013. Was eligible for LTD with Liberty Mutual in July 2013. Even though I completed forms needed for LTD, LM delayed benefit payments for 3 months. Then LM closed my LTD claim 3 times stating that I could return to work. I appealed each denial and won. Now LM has me scheduled for an independent medical evaluation. You can bet that IME will recommend that I return to work. I’ll be denied again and I’ll appeal again. Don’t give up! Liberty Mutual and Social Security figure you won’t appeal and then you lose and they win. I just wish I knew what I could do to stop the harassment. A 15 minute IME, won’t give the neurologist a clue as to what your cognitive, speech, occupational, vocational, vestibular, myo fascia release, and physical therapists know. IME’s are paid by the insurance companies! They don’t have your health and welfare in mind. Please send me any info you have to assist in my future appeals.


Do I have to go for an Independent Medical Evaluation even though my doctors have all submitted their evaluations? The IME is 286 miles away round trip. I can’t drive due to TBI. Should I get transportation costs, or hotel costs reimbursed?

Attorney Stephen Jessup:


Please feel free to contact our office to discuss how we can assist you in your monthly dealing with Liberty Mutual.

Attorney Stephen Jessup:


Failure to attend an IME could result in a denial of benefits. That distance does seem exorbitant. I would recommend you request that the carrier provide you transportation and potential accomodations for the evening.

Melissa Elkins:

Liberty Mutual is my LTD carrier, they have never questioned any information, only sent out yearly forms for my Dr. to fill out. Now I would like to do a buyout and NO was my answer, even though I have RSD, consisting of nerve damage. I just want a buyout to payoff some bills and have dental work, only have 13 years left to draw, wouldn’t it be a financially wise move for them? I called and asked, I can’t even get o copy of my LTD papers, that were lost when moving after loosing my home… Help!

Attorney Stephen Jessup:


Under certain circumstances and on a case by case basis Liberty Mutual will consider a lump sum buy out of a claim for benefits. Please feel free to contact our office to discuss how we may be able to assist you in securing same.


I had a stroke which affected the vision area of my brain. I am currently receiving Std disability from Liberty Mutual. My question is if I retire will it affect LTD? In other words how does social security retirement benefits affect LTD?

Attorney Stephen Jessup:


Under most long term disability policies your Social Security Retirement benefits would offset your monthly disability benefit from Liberty Mutual. As such, it would not be advisable to draw those benefits early as you will gain no financial advantage in doing so.


My daughter has been out of work for two months, fighting with Liberty Mutual the whole time They dodge phone calls and give out misinformation over the phone. One day she was told it was being sent to be reviewed, the next day, a completely different department called her to say a letter had been sent out the week before with the denial, but they didn’t know what the denial reason was. When she got her letter, it stated they had repeatedly asked for documentation from her doctor. When she called her doctors office, they advised they had NEVER BEEN CONTACTED.

My daughter got the information that was requested and had it sent in, now Liberty is telling her it is an appeal because it was denied the first time. (Even though it was denied because they never told anyone they needed the information and her doctor missed a deadline). Funny how easy it is to miss a deadline when no information is requested.

Today she called them and now has been told it will be 45 days to review. My daughter has zero income, waiting 45 days will ruin her.

Is there anything that can be done?

Attorney Stephen Jessup:


I am sorry to hear about your daughter’s situation. The law does allow for Liberty to take 45 days, with the possibility of an additional 45 day extension to review an administrative appeal.


My name is Marie.

I’ve been out of work since Dec 2013 for a job related injury rotator cuff and carpal tunnel syndrome did not receive benefits until March 2014, then stop in June because I work for a school system, we do not get pay when we’re out for summer. In September I received a check and in October got a call from Liberty Mutual that my benefits are terminated as of October 8, 2014. The surgeon who did the carpal tunnel surgery received a fitness for duty from Liberty Mutual, she filled it out and released me back to work on full duty and the same surgeon sent me to see a specialist for further testing because I was still in pain six months after surgery. The surgeon did not check the specialist notes before filling the fitness for duty, Liberty Mutual contacted my specialist and he explained to Liberty Mutual that he is treating me for wrist and shoulder chronic pain. They asked him about my PTSD and he told them that I am in treatment etc.. Now Liberty Mutual asked for all behaviour health records, physical and occupational therapy records, doctor’s visits from Dec 2013 to present. They have all the records except behavior health because it was never part of the claim. The denial letter stated that I did not consult a behavior health and my condition is not co-morbid and I can perform my work duty. The specialist took me out of work because I cannot perform my work on full duty and my job does not accommodate light duty. I am in treatment with a chronic pain Doctor and behavior health. I had to give up my place, job, cancel my health insurance, I am not qualify for any public assistance, can’t get unemployment because I am under doctor care. I am frustrated with the process. I file with Social Security since July 2014, no answer and with Liberty Mutual you have to sign affidavit if you receive any payment from other company, you ‘ll have to reimburse them. I am appealing their decision and need help with the process.

Attorney Stephen Jessup:


Please feel free to contact our office if you would like to discuss how we can assist you in appealing the denial of your claim.

Maryann Cecere:

I went on short term disability in Aug. 18 2014. Due to the death of my son I recieved checks up until Oct. 13 then they just stopped. I was under Doctor’s care, I was on medication and I was seeing a therapist and they just stopped my checks because my therapist could not give them any information on me other then I was under her care. I would like to see what I can do about recieving the last 5 weeks of checks they owe me.

Attorney Stephen Jessup:


You will need to appeal Liberty’s denial of the remaining 5 weeks of benefits. It will be crucial to obtain notes and/or summaries of your treatment with your therapist in order to provide evidence of impairment and disability.


In June of 2012, I left my job and went on State disability for one year. I am diagnosed with severe depression along with Bipolar. The list of medications is too long to include here. When my one year of State Disability ran out, Liberty Mutual picked me up and began monthly payments to me. Every month was a goofy struggle to gather paperwork, fax it in… they say they never got it, threatened to stop my payments. This happened to me every month. Along the way, they had me file for Social Security Benefits. In May of 2014 they notified me I was no longer eligible for benefits and cut me off. I have not brought any money into my home since May. During all of this I kept going to therapy and doctor visits. I stuck it out until October of this year and the Administrative Law Judge approved my disability on the spot. The reality is Liberty Mutual never should of stopped paying me. Now I just learned, when I receive my back pay from Social Security, I have to pay back Liberty Mutual all of the money I received from them. I have been homeless, suicidal, alcohol dependent and struggle with manic episodes. Again I have been approved for Social Security, I just wish I could hold Liberty accountable.

Attorney Stephen Jessup:


I am sorry to hear of your struggles. Did you ever appeal the denial of your benefits by Liberty Mutual? ERISA provides 180 days to file same, and failure to do so could result in you being unable to file a lawsuit. Social Security is certainly strong evidence of disability to be considered by Liberty Mutual, but receipt of SSDI does not guarantee coverage under an private policy. Please feel free to contact our office to discuss how we may be able to assist you.


I am currently filing for LTD through LM which was provided through my employer. My Doctor, a Board Certified psychiatrist has sent them his required form stating I cannot return to work because of my mental issues. I just received the forms and questionnaires to be filled out. My case manager was very polite and sympathetic when we spoke on the phone. Just wanting advise on any special wording or answers that I should give to improve my chances of being approved. Reading the above post, it seems they deny everyone! I have applied for SSD as well.

Attorney Stephen Jessup:


Please feel free to contact our office to discuss how we can assist you during the application process with Liberty Mutual.

A. Julian Long:

Hi: I am a Veteran of the USMC and a Retired police officer living with PTSD: Major Depressive Disorder, Severe Panic attack, and Agoraphobia. I am currently AVP Operational Risk and Compliance Consultant with a major Bank, and have been out on medical leave because my company refused, then purposely delayed, then retaliated against me for requesting reasonable accommodation – which was supported and suggested by my VA Medical staff – that case is now with the EEOC. Liberty Mutual has approved my Short Term disability based on the exact descriptive letter template two time, submitted by my VA Psychiatrist until now, as we are approaching the transition point from short term to long term disability now the third was not acceptable. The letter they sent indicated that the reason for denial was that I did not have a certified medical condition. Needless to say my VA Psychiatrist is not happy at all because he is seeing more and more Combat veterans and First Responders being denied, when their claim is as legitimate as the come. I have already submitted my intent to appeal letter and via telephone a claims manager say that the newly submitted information and the intent to appeal letter is now under review; but I am very skeptical about that so I am also sending the same information via snail mail as well as their suggestion of email. This company is so unreasonable and the claims manager that denied my case while my Dr. and their Dr. were playing phone tag citing that it did not appear that my Dr. had any further information or opinion to give. To the contrary his opinion is that I am unemployable at this time and will remain so until he his satisfied that I am healed from the traumatic mental and physical injuries from my past service to my country and community. If this type of conduct takes root, the average of 22 veterans and first responders committing suicide daily, will certainly rise, as fears of no hope and misunderstanding rise. Please help!

Attorney Stephen Jessup:


I would agree that there does seems to be an increase in denials to first responders, or as is probably the case with your policy a 24 month limitation for the conditions that are preventing you from working. Please feel free to contact our office to discuss your claim.

Kimberly Bower:

I was diagnosed with Fibromyalgia in 04/2012. I was out of work for quite some time, which I exhausted my FMLA hours. During my my absence I applied for STD with Liberty Mutual and was paid. I was lucky and did not have any flare ups for a long time. Then in December 2013, I experienced a really bad flare up and was out of work, applied for STD, was paid. Unfortunately, I had another flare that happened shortly after I returned to work, causing me to be out of work for quite a while. I applied for STD, and was denied. Filed the appeal process and was denied again. I was told that there was not enough medical evidence supporting I needed to miss work. It was exhausting to keep fighting with these people. However, it confused me that the same company approved my FMLA, where the Dr. states due to my medical condition I may miss 12-15 days per month. So there was enough medical documentation that I can miss work but just no get paid for it I guess. So here I am again terrible flare causing me to miss work and being denied for the same reasons. Please help, it is bad enough to have to go through the pain but now not to get paid for something I am entitled too.


Attorney Stephen Jessup:


FMLA and disability are two completely different reviews, with FMLA being “easier” to get due to federal laws mandating a level of protection for employees as it relates to the holding of a job position within the company while out. If your appeal has been denied you may have no other recourse but the filing of a lawsuit. Please feel free to contact our office to discuss same.

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