Liberty Mutual Overturns Disability Insurance Denial in Ten Days

After only being on claim for ten months, Liberty Mutual unexpectedly terminated the continued receipt of long term disability benefits of a former Auto Damage Insurance Appraiser for Allstate Insurance Company. Within days of receiving the denial letter from the insurance company, the denied disability claimant contacted Attorneys Dell and Schaefer to assist him in the filing of an administrative ERISA appeal against Liberty Mutual. Thanks to the efforts of disability attorney Alex Palamara, just a few months after being denied, our Client is back on claim and again receiving his disability benefits.

Liberty Mutual and Its Unexpected Disability Denial Without Examining the Claimant

Our client, a former Allstate Employer worked for years with varying levels of pain on daily basis as a result of neck, back, shoulder, headaches, heart disease, and sleep apnea. Our client’s medical history included multiple injections, x-rays, MRIs, and surgeries. After 8+ years of suffering, our client left work on December 20, 2010. After applying for and being approved for Long Term Disability benefits that began May 7, 2011, Liberty Mutual denied continued benefits effective March 6, 2012. To say this denial after only 10 months of benefits was unexpected would be an understatement.

Although many are unaware, disability insurance policies often change the definition of disability after a certain time period. For instance, in a typical long term disability policy, after 24 months of benefits the definition of disability will change from “being unable to perform the material and substantial duties of your own occupation” to “being unable to perform the duties of any occupation.” This change in definition is often the basis for the initial denial of disability benefits after an individual has been approved.

In the case at hand, Liberty did not wait until the change in definition of disability to deny this person’s claim. Relying on a review of an “independent” physician who never treated, evaluated or even met with the claimant, Liberty Mutual denied his claim after only 10 months.

Preparation and Expertise Improve Chances of Success

Within days of being contacted by the denied claimant, Attorneys Dell and Schaefer began vigorously working to overturn Liberty’s decision. After having a chance to assess the denial letter and claim file, our attorneys saw several inconsistencies and deficiencies in Liberty’s decision to deny continued benefits. These deficiencies along with updated medical testing and medical records allowed our firm to make strong arguments as to why our client deserved to have benefits reinstated.

Liberty Mutual Agreed with Our Arguments in the Administrative Appeal

Within 10 days of our filing of the administrative appeal Liberty Mutual had issued a check for our client for the past months they had refused to pay. Today our client is currently on claim and we continue to represent him on a daily basis so that Liberty will not attempt to unreasonably deny his benefits.

If you have recently been denied by Liberty Mutual or another long term disability carrier, or if you are in fear that a denial may be forthcoming, contact us for a free review of your disability insurance claim.

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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   *****

Michael C.

I am extremely happy that I decided to sign on with Dell & Schaefer. Mr. Symonds is the most honest attorney that I have ever dealt with. He explained the appeal process to me exactly as it turned out. He also knew exactly when to send in the appeal for Short Term Disability so that the Long Term Disability was approved within days of the STD approval. I feel very confident that he will have my back for the years to come. He and his assistant Sonia are always polite and quick to get back to me whenever I have questions.

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