A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell & Schaefer

Previously employed as an Engineer for United Technologies Corporation, Ms. W was forced to leave work due to suffering a middle cerebral artery stroke in May 2011. In addition to the complications of her stroke, Ms. W also suffered with headaches, seizures, gastroesophageal Reflux Disease, insomnia, memory loss, dizziness, a mood disorder, depression and anxiety. Although Liberty Life initially paid long term disability benefits for a period of ten months, it decided to deny long term disability benefits beyond September 11, 2012.

Liberty Life Denies Continued Disability Benefits

In its denial letter of September 21, 2012, Liberty Life concluded that Ms. W “no longer met (the) Policy’s definition of disability beyond September 11, 2012” and closed her claim. In support of its decision, Liberty Life stated that it found that the “independent evaluation report concluded that there was no evidence to support cognitive impairment that would interfere with unrestricted functioning in (her) occupation on a full time basis, and that there was no evidence to support cognitive impairment secondary to side effects of medications.”

Within days of receiving this denial letter, Ms. W contacted Attorney Alexander Palamara at Dell and Schaefer for assistance in filing her ERISA Administrative Appeal.

Alex Palamara Files an LTD ERISA Appeal Against Liberty Lifer

After studying Ms. W’s medical documentation along with the claim file provided by Liberty Life, Attorney Alexander Palamara was able to find inconsistencies in Liberty Life’s “independent” evaluation report and its decision to deny benefits. Additionally, Ms. W and her attorney were armed with a plethora of supportive documentation from each of her treating physicians. Utilizing this information, an administrative appeal was timely filed on March 19, 2013. Within 30 days, Dell and Schaefer received a letter from Liberty Life dated April 16, 2013 which stated that Liberty Life had “completed (its) review of your request for reconsideration for Ms. W’s disability benefits, and have determined that benefits will be reinstated.” Liberty agreed with the contentions of Dell and Schaefer and reinstated Ms. W’s long term disability benefits. Soon thereafter Ms. W received all past due benefits owed to her and continues to receive her benefits each month. Alex Palamara stated, “I was really happy that we were able to get Ms. W’s long term disability benefits reinstated for her.”

If you have been denied by Liberty Life or any other disability insurance company, please do not delay and please contact Attorneys Dell and Schaefer for a free consultation and review of your claim.

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FAQ

Do you help Liberty Mutual claimants nationwide?

We represent Liberty Mutual clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Liberty Mutual disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Liberty Mutual. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Liberty Mutual.

How do you help Liberty Mutual claimants?

Our lawyers help individuals that have either purchased a Liberty Mutual long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Liberty Mutual:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Reviews   *****

Kevin R. D.D.S.

I first heard of Dell & Schaefer through the internet. Their reviews were very solid. I also asked several people who had experience with disability claims about who they might recommend. Greg Dell kept coming up. Finally I asked my financial advising firm in Dallas who they knew and got the name Greg Dell. So I felt pretty good with recommendations from all over the country. I spoke with Greg on the phone and he was very informative and felt he could help me with my case. He walked me through what documentation was required and what to expect from his fees and time and what to expect from the insurance company.

The process was difficult to go through and at times he had to act more as a psychologist than a lawyer with me as the insurance company fights these types of claims formidably. He handled the claim extremely well and I recommend his services highly. He appears to be well known in the insurance industry and that helps as they know he is thorough and tough.

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