After it had previously overturned a denial after an initial Dell Disability Lawyers 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 Disability Lawyers

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 Disability Lawyers 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 Disability Lawyers for a free consultation.


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Liberty Mutual Reviews
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Showing 8 of 653 Reviews
New York Life

New York Life is a joke!

Reviewed by Heather on October 3rd 2024   Verified Policyholder | August 2024 date of disability
This company sucks when it comes to disability claims. They are slow at processing stuff, then they always say they didn't recieve the doctors information. You spend your ... read more >
MetLife

They FULL OF ****

Reviewed by KM on October 3rd 2024   Verified Policyholder | August 2024 date of disability
MetLife is what everyone on this review are saying. They don't contact you to let you know what's going on with your claim or to let know you need additional info. I had a... read more >
Sedgwick

Worst Company Ever

Reviewed by RobRob on September 23rd 2024   Verified Policyholder | August 2024 date of disability
If something happens to you at work you better hope you die, my son is going through HELL because this company is handling his work comp. NO RETURN PHONE CALLS, TEXTS, EMA... read more >
MetLife

MetLife for disability? Avoid the surgery unless it's life-threatening

Reviewed by Jeff on August 22nd 2024   Verified Policyholder | August 2024 date of disability
The worst company I ever dealt with, never received a call from my claim manager.
Reliance Standard

Short Term Disability Claim/Inconsistent to NO Communication

Reviewed by GaKRN on August 22nd 2024   Verified Policyholder | June 2024 date of disability
When I did call & reach a live person they were kind & helpful. The person assigned to my claim left one phone message & I have not spoken to her since. Information she re... read more >
Unum

Unum Closed My Case Today

Reviewed by Scott C. on July 5th 2024   Verified Policyholder | March 2023 date of disability
Unum will keep you around, if they pay you 100 a month. But as soon as have to pay more than 2700 a month, they will drop you. We will be going to the attorneys office fir... read more >
Hartford

Ran me Around for Months

Reviewed by David on July 5th 2024   Verified Policyholder | January 2024 date of disability
Scammers. Immoral horrible people.
Reply
Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

Prudential

Denied but Not Denied but I am Denied

Reviewed by KDDK on July 5th 2024   Verified Policyholder | August 2022 date of disability
I went out in Aug. 2022 for neck pain. After seeing a neurologist I had to get an ACDF C5-7, it was also determined I had carpal tunnel in my right hand and bulging disk i... read more >
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Helpful Videos
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Disability Benefit Tips
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Showing 8 of 331 Benefit Tips

Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages

Every week we speak to individuals nationwide seeking assistance with Liberty Life Insurance short and long term disability claims. In this video, disability insurance lawyers Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages.... Read More >

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... Read More >
Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

Liberty Mutual Approves Disability Benefits to Senior Vice President

Our client, a former Senior Vice President for a large national corporation, filed for disability after having suffered a massive stroke during heart surgery that left the entire left side of his body paralyzed and severely affected his ability to effectively communicate. His doctors were not sure if he would ever regain use of the left side of his body again and feared he may be wheelchair bound the rest of h... Read More >

Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal

Liberty Mutual Initially Approves Disability Claim After Finding Total Disability From Own OccupationOur client, John, was working as a Chemical Supervisor for Arkema, Inc., a French specialty chemicals and advanced materials company, when in 2015 he was forced to stop working due to chronic pain in his cervical and lumbar spine relating to degenerative disk disease and post laminectomy syndrome.John f... Read More >

Liberty Reinstates Long Term Disability Benefits for the Second Time

Our client, a former Liberty Mutual employee, has had a less than ideal experience with Liberty - both as an employee and as a recipient of disability insurance benefits. Issues she experienced in the workplace as a Liberty employee resulted in exacerbation of existing behavioral health issues that made her workplace environment so volatile she filed for disability benefits in order to take herself out of a ha... Read More >

After it had previously overturned a denial after an initial Dell Disability Lawyers 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 terminatedAfter 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 le... Read More >

Liberty Mutual of NY Disability Benefit Denial Reversed After Two Denials In One Year

Disability insurance attorney Alexander Palamara discusses the importance of continuing medical treatment throughout the duration of a disability insurance claim.In this case the claimant was denied LTD benefits by Liberty Mutual of NY within a few months of winning a prior disability claim denial.This denial was likely due to an aggressive claims examin... Read More >

Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Inventory Control Specialist

Pre-disability and initial disability claimOur client contacted us for assistance with her claim against Liberty Mutual after receiving a denial of her Long Term Disability ("LTD") benefits. Ms. M had been working as an inventory control specialist with her employer until June 2014 when her doctor advised her to stop working due to various medical conditions including pseudoarthrosis, post-laminectomy synd... Read More >

Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis

Our client, Ms. V, had been employed as an IT Systems Analyst with Highmark Blue Shield, one of the ten largest health insurers in the U.S. and a licensee of Blue Cross Blue Shield, before pain from Rheumatoid Arthritis, caused her to file a disability claim under her Highmark Blue Shield Long-term Disability Plan. Highmark Blue Shield had contracted Liberty Mutual to insure and administer the disability plan.... Read More >

After Initially Being Denied Long Term Disability Benefits, Dell Disability Lawyers Gets Former Wal-Mart Employee on Claim with Liberty Mutual

A former employee of Wal-Mart contacted our firm on March 11, 2015. She informed us that she had recently been diagnosed with Multiple Sclerosis less than a month earlier. She also informed us that prior to this diagnosis she was forced to leave her occupation as a Personnel/Training Coordinator for Wal-Mart Stores, Inc. She previously had been diagnosed with small fiber peripheral neuropathy, ankylosing spond... Read More >
Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled

The case of Spears v. Liberty Life Assurance Company of Boston (Liberty) began when Plaintiff was employed by United Technologies Corporation (UTC) and covered by a disability insurance program offered by her employer and administered by Liberty. It was undisputed that prior to the onset of numerous symptoms, including nausea and daily migraine headaches, Plaintiff was a good worker in her ... Read More >

8th Circuit Court of Appeal Overturns Award of LTD Benefits for Disabled Walmart Employee

It is important to point out that this case was not handled by Dell & Schaefer. However, we wanted to write about this case as there is much to learn from this ruling out of the United States Court of Appeals for the Eighth Circuit. First, this case is an example that demonstrates that just because you win summary judgement of your disability claim in District Court, it does not mean that the fight is over... Read More >

LTD Claimant's Failure to Submit Timely Appeal Was Fatal to His Disability Insurance Claim

In a recent Florida case not handled by our law firm a claimant’s untimely submission of his ERISA appeal proves fatal to his claim. The case was decided by the United States District Court in the Middle District of Florida and reminds us of the importance of properly submitting an appeal in ERISA governed cases.Mr. Applegate had received benefits for 24 months for his inability to perform the material d... Read More >

Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review

Mental health conditions such as anxiety and depression are two of the most common causes of disability. In a recent case against Liberty Mutual, a pediatrician claimed he was unable to work due to anxiety and depression. Liberty Mutual evaluated the doctors claim by hiring a doctor to review the medical records submitted. Based exclusively on their own psychiat... Read More >

District Court Affords Greater Weight To SSDI Award Than Surveillance Footage

In Rouleau v. Liberty Life Assurance Company of Boston, plaintiff Michelle Rouleau, a Registered Nurse (RN) for a Hospital, had a history of intractable lower back pain dating back many years. As an employee of the Hospital, she was covered by a Group Long-Term Disability Insurance policy issued by Liberty Life (Liberty).Benefit ProvisionsUnder the terms of the LTD Policy, the definition of disabi... Read More >

Michigan Court Finds Plaintiff Eligible for Long Term Disability Benefits

In Chamness v. Liberty Life Assurance Company of Boston, plaintiff James Chamness, a board-certified pediatrician who is also a pediatric sleep specialist, applied for long term disability benefits. He claimed he suffered from both physical and mental disorders. Specifically, he was diagnosed with asthma, irritable bowel syndrome, coronary artery disease, sleep apnea and gastroesophageal reflux disease.Pla... Read More >

Liberty Mutual Ignores SSDI Approval and Denies LTD Benefits Wrongfully

Thousands of long term disability claimants receive both social security disability benefits and long term disability benefits. In this recent video we discuss a great legal decision in which Liberty Mutual's long term disability benefit denial was reversed for failure to properly consider the SSDI benefit approval.A disability carrier is not bound by the SS... Read More >

One Year Period to File Lawsuit Following Liberty Life Insurance Denial is Valid

In Webb v. Liberty Life Assurance Company of Boston, Ronald Webb, an employee of Adobe Systems Incorporated, took out several life insurance policies:· A basic life insurance policy for $250,000.· An optional life insurance policy for $1 million.· A basic accidental death insurance policy for $250,000.· An optional accidental death insurance policy for $1 million.The policies went into effect on Ma... Read More >

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our attorneys for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 850 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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 insurance 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 phone, email, fax, or video conferencing sessions. 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 insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers 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.

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