After it had previously overturned a denial after an initial Dell & Schaefer Appeal, Liberty denied our client’s claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again.

Initial Denial, Initial Appeal, Benefits Reinstated and Benefits Terminated

After receiving full payment of short term disability benefits, a hospital admissions clerk with Catholic Health System, Inc. suffering from morbid obesity, osteoarthritis, and chronic back pain was denied long term disability benefits despite her ongoing medical problems and their accompanying restrictions. In its initial denial letter dated August 19, 2015, Liberty relied upon a single “peer” review by a hired physician to support its denial. Liberty quoted the opinion of the hired physician and concluded there was no objective documentation of any internal medicine restrictions and limitations. As such, Liberty concluded that the hospital admissions clerk did not meet the definition of disability.

In response to Liberty’s first denial, Attorney Alexander Palamara filed an appeal setting forth the objective evidence which supported our client’s claim and argued the opinion of the peer reviewing physician incorrectly contradicted the opinions of our client’s treating physicians and that the peer reviewer even improperly obtained statements from a staff member in our client’s treating physician’s office to support his opinion. Attorney Alexander also set forth the numerous physical conditions our client was suffering from which had been ignored by Liberty.

Two months after filing the first appeal, Liberty overturned its denial and commenced the payment of long term disability benefits. However, a mere 5 months after awarding our client benefits, liberty requested updated medical records from our client’s treating physician. Since our client’s condition was stable, our client only needed periodic follow ups and a follow up visit had not been scheduled until after the time when Liberty requested updated medical records. Unfortunately, Liberty was impatient and terminated our client’s benefits yet again.

New Appeal by Dell & Schaefer

After receiving the new denial letter dated September 30, 2016, Attorney Alexander Palamara immediately jumped back into action and filed a second appeal on behalf of our client. In this new appeal, Attorney Palamara once again set forth the objective evidence which supported our client’s claim and arguing that the second denial was improper since she remained under the care of her physicians and did not require frequent visits due to the stable nature of her conditions and the difficulty she has in ambulating to attend doctors appointments. Additionally, newly updated medical records were obtained and submitted in support of the second appeal.

Less than one month after filling the second appeal, our client was once again awarded the long term disability benefits she was entitled to and remains on claim to this day.

This claim and the positive outcome is another example of how important it is to have ongoing experienced representation to handle your claim because insurance companies will likely make several attempts to deny a claim during a period of disability. Attorney Palamara and Dell Schaefer are well equipped to handle any denial and successfully obtain benefits due to a thorough understanding of our client’s medical conditions and treatment.

If you have been denied disability benefits by Liberty or any other disability insurance company, please do not hesitate to contact Attorney Alexander Palamara at Dell & Schaefer for a free consultation.

Questions About Hiring Us

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, 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.

Dell & Schaefer Client Reviews   *****

Janice L. (California)

I have MS and from the first interview, Rachel always kept me informed about my chances of getting LTD. She understood my claim, answered any questions and represented me at any meetings I had with MetLife so I felt comfortable and at ease. Sonia was also on top of my claim and her correspondence was clear and understandable.

***** 5 stars based on 202 reviews

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