Dell & Schaefer successfully appeal denial by Liberty Life

Before going on disability our client was a hardworking and dedicated Business Coordinator for Hoffman La Roche who was greatly admired by her co-workers for her professionalism, tenacity and leadership. After working more than 20 years for Hoffman La Roche she was diagnosed with Breast Cancer and had to suffer through the overwhelming effects of chemotherapy. Following her treatment she was placed on Aromasin, an estrogen blocker which is known to cause severe debilitating side effects to many patients.

Our client was unfortunate to be among the group of patients who suffer the debilitating effects of an Aromatase inhibitor regimen. The resulting side effects, which included persistent and severe joint pain and stiffness, chronic fatigue, generalized body pains, chronic neuropathy, numbness and tingling in her hands and feet, headaches, tension, insomnia, memory loss and difficulty concentrating forced the Hoffman La Roche employee to stop working on February 7, 2011.

Unable to return to work she filed a claim for disability benefits with Liberty Mutual as well as with the Social Security Administration. Both claims were approved.

Denial of Benefits by Liberty Life

Liberty Life paid our client Long Term Disability benefits until March 21, 2013 when they terminated her benefits claiming she was no longer disabled. In support of its decision Liberty Life relied upon an internal review by one of its hired doctors and completely ignored her treating doctors’ opinions that she could not work due to continued complications from the Aromasin treatment.

First Level Appeal

Before retaining Dell & Schaefer our client decided to take on Liberty Life alone and submitted her own appeal of Liberty Life’s denial of benefits. After submitting her appeal she was forced to wait until September 17, 2013 when Liberty Life sent another letter denying her appeal. It was at this point that she realized she needed an experienced ERISA attorney to help her fight Liberty Life for her benefits.

Second Voluntary Appeal

Upon contacting our firm Attorney Peña immediately started working on her claim. Many disability policies allow only one appeal after a denial of benefits, after which, a lawsuit must be filed. Luckily for our client her policy allowed a second voluntary appeal.

In preparing the appeal Attorney Peña thoroughly analyzed Liberty Mutual’s complete claim file including the medical review conducted by Liberty Life’s hired doctors. During the analysis it became apparent that Liberty Life had failed to properly review and consider the side effects of our client’s Aromasin treatment. The appeal challenging Liberty Life’s denials included all the medical records from our client’s treating physicians including documented objective evidence supporting her claim as well as extensive medical literature surrounding the disabling symptoms caused by an Aromatase inhibitor regimen.

Liberty Life Overturns Denial and issues a check for unpaid benefits

After completing its review Liberty Life sent a letter reinstating benefits effective March 22, 2013. Liberty Life issued a check for all unpaid benefits dating back to the initial denial. The fight, however, did not end there—Liberty Life miscalculated the benefit amount and initially agreed only to pay unpaid benefits through September 2013, the date representing 24-months of benefits and the date the more stringent “any-occupation” definition of disability began.

Fortunately for our client, Dell & Schaefer remained on the case and immediately demanded that Liberty Life issue all unpaid benefits and approve our client’s claim under the more stringent policy language. Liberty Life has since then approved our client’s claim and will continue paying benefits as long as she remains disabled. Dell & Schaefer will continue managing the ongoing claim against Liberty Life to ensure our client has the best chance of remaining on claim for as long as she is disabled under the policy language.

Find more Liberty Life disability claim articles on this page.

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   *****

Alan Jay R.

I was given the complete run a round with my insurance company on my LTD. I called Dell & Schaefer and spoke with Steven Dell and after an hour long conversation, he advised me that he would handle my case. In six weeks in his hands, my case was approved and my long term disability claim was approved. The insurance company still tried to make my life a living hell but, with Steven Dell, they backed off. Great Firm and I thank them for their help.

***** 5 stars based on 202 reviews

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