Liberty Mutual Overturns Disability Denial to Truck Driver With Chronic Low Back Pain

Prior to submitting a claim for disability insurance benefits to Liberty Mutual, our client had been a long haul truck driver for many years. Over the years the hours of prolonged sitting and repeated physical activity necessary to performing her job started to take a physical toll on her body. She developed severe chronic lower back pain with associated radiating pain and numbness into her legs. Eventually the pain and discomfort was physically too much to bear and given the nature of her job as a truck driver she posed a risk not only to herself while driving an 18 wheeler, but also to the people she shared the road with.

Faced with a difficult decision, she applied for short term disability benefits. Liberty Mutual initially approved her claim for short term disability benefits, but within a few months denied her claim, stating that “there was no objective evidence of functional restrictions and limitations severe enough to prevent her from returning to work as a truck driver”. She immediately appealed this decision on her own. After filing the appeal she contacted Disability Attorneys Dell and Schaefer. Due to the time that had elapsed since the filing of the appeal and the associated deadlines for Liberty Mutual to render a decision, there was little that could be done at that point. Attorney Stephen Jessup advised her to immediately apply for Long Term Disability benefits as a way to potentially preserve the possibility of another appeal. Shortly after she applied for long term disability benefits, she received a second denial of her claim for short term disability benefits, and a denial of her application for long term disability benefits.

With the second and final denial of her claim for short term disability benefits, she exhausted all of her administrative remedies under the short term disability plan and her only option left was to file a lawsuit in an attempt to secure her short term disability benefits. However, due to the denial of her claim for long term disability benefits, she still had the right to file an ERISA administrative appeal as to the LTD decision. Attorney Jessup knew that the largest obstacle in submitting the appeal of the denial of long term disability benefits was the fact that her claim for short term disability benefits was denied, and that the short term disability benefits coincided with the elimination period for the long term disability policy. In essence, with the denial of short term disability benefits there had already been a de facto determination that she was not disabled through the elimination period as required by the long term disability policy.

Attorney Jessup secured the claim files for both the short and long term disability claims in order to evaluate and analyze the information that Liberty Mutual utilized to render its adverse decisions. Our client was sent for additional medical testing that would strengthen her claim and provide evidence of functional restrictions and limitations that Liberty Mutual claimed was lacking. Coordinated efforts were undertaken with her treatment providers to consolidate medical information and opinions into focused, detailed reports and opinion letters. After all of the information had been compiled, Attorney Jessup submitted her appeal in advance of the 180 deadline.

Based upon the overwhelming medical evidence in support of disability provided in the appeal, Liberty Mutual overturned its denial of her claim for long term disability benefits, reinstated her claim and forwarded all benefits owed. Attorney Jessup is now currently working on securing the outstanding short term disability benefits still owed to our client.

An ERISA administrative appeal of a long term disability denial must be skillfully drafted and organized in order to have any chance of success. Before filing an administrative appeal of an insurance company denial of benefits one should consult with an attorney to ensure they are protecting their rights. For a free consultation to see how we may be able to assist you with your claim please contact us.

DISABILITY INSURANCE COMPANY INFORMATION
Videos, Questions, Resolved Cases, Lawsuit Summaries & Company Reviews

disability insurance companies complaints

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.

Dell & Schaefer Client Reviews   *****

Lisa S.

I came to Dell & Schaefer after an attorney firm in Maryland decided in August they could not win my case and decided to drop me with my Appeal for LTD with Aetna due in October. I contacted Dell & Schaefer and sent the firm my information. They assigned me to Rachel Alters who is the best. She explained to me it normally takes 4-6 months to do an appeal, but Rachel assured me she would do her very best to win my Appeal in the limited time we had remaining to submit an Appeal.

Rachel worked very hard and we had some long phone calls, even though I have never met Rachel face to face I feel she is part of the family. I got a call from Rachel the beginning of December letting me know we won the case and that Aetna would be reinstating my benefits. There is nothing more I could ask for. Winning an appeal for LTD would not have been possible with out the law firm of Dell & Schaefer.

Read 426 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us