Dell Disability Lawyers 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 Disability Lawyers 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 Disability Lawyers 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 Disability Lawyers 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.

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Liberty Mutual Reviews
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Showing 8 of 648 Reviews
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 >
New York Life

Claiming They Are Not Receiving Paperwork

Reviewed by Macey on June 26th 2024   Verified Policyholder | February 2024 date of disability
After suffering from medical issues from my delivery in February, I had to have a colostomy bag placed. Now New York Life is trying to claim my condition was pre-existing ... read more >
Hartford

Truly Horrible and Immoral Company with No Customer Service

Reviewed by William M. on June 26th 2024   Verified Policyholder | June 2020 date of disability
My experiences with Hartford have been nothing short of cruel. They started off by claiming that having Glioblastoma, which has an expected life span of about fifteen mont... read more >
Hartford

Sent my Direct Deposit to a Strangers Bank Acct

Reviewed by Brad on May 2nd 2024   Verified Policyholder | February 2024 date of disability
I went on short term disability and The Hartford put my direct deposit into someone else’s bank account. Somehow they messed up a number or two and they are refusing to ... read more >
Sedgwick

AT&T Was Great and Sedgwick Horrible

Reviewed by From a great job to a complete nightmare on March 20th 2024   Verified Policyholder | March 2024 date of disability
My Physician recommended that I take some time from a toxic environment after several deaths in my family coupled with AT&T trying to run tenured employees out of the door... read more >
New York Life

Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting

Reviewed by M.T. on February 15th 2024   Verified Policyholder | May 2023 date of disability
I have been appealing a claim for LTD for 8 months! New York Life keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting ... read more >
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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.

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