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.

The chronic pain resulting from her rheumatoid arthritis and the effects of strong medications used to control the disease and pain were overwhelming, not only physically but also emotionally. Unfortunately, when Liberty Mutual denied her claim for benefits it only added insult to injury.

Not knowing where else to turn, Ms. V searched the internet trying to find answers, and someone to help her appeal Liberty’s decision. After contacting and retaining Attorney Cesar Gavidia and Dell & Schaefer, Attorney Gavidia and his team began the process of gathering medical records, conferring with Ms. V’s treating physicians, obtaining letters of support from Mr. V’s family members, friends and co-workers and obtaining all the evidence necessary to not only draft Mr. V’s appeal, but also ensure a solid administrative record in the event the appeal was denied and the case were to proceed to litigation.

Approximately 45 days after the appeal was submitted, Liberty sent notification that Ms. V’s claim was approved for the remainder of the own occupation period, but that since it found Ms. V capable of performing a sedentary occupation it was not approving benefits beyond 24 months. Under the Liberty long-term disability plan, in order to qualify for benefits after 24 months one must be unable to perform any gainful occupation for which they are qualified by education training and experience.

Although more than sufficient evidence was submitted with the first appeal that Ms. V was disabled from any gainful occupation, Attorney Gavidia once again was forced to submit yet a second appeal challenging Liberty’s decision. Efforts once again paid off and shortly after the appeal was submitted Liberty overturned its erroneous denial of benefits for a second time.

Ms. V is currently on claim and receiving long-term disability benefits from Liberty Mutual. Attorney Gavidia and Dell & Schaefer are monitoring Liberty’s actions, and ensuring that all communications, information and documentation going to and from Liberty are consistent and accurate.

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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.

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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:

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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.

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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.

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They are timely, pay attention to detail, know the ins and outs of my case and are very cost effective. I recommend Mr. Gregory Dell and his associates with no reservations whatsoever. I am a doctor and Mr. Dell was able to help me deal with two different disability policies, a business overhead policy and the sale of the medical practice. I have been a client since 2007.

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