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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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.

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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   *****

Zane M.

Since day one I continue to have a very positive experience working with the Dell & Schaefer Law Firm. I am especially grateful to attorney Stephen Jessup who was assigned to my case in early 2010. Steven Jessup and Anneli (Registered Paralegal) are always available and very professional in managing my case in a timely manner. Steven explained the entire (LTD) process to me from day one when I became disabled and unable to work due to my disabilities and had my case approved very quick working with my LTD carrier. My health has worsened since then with a life threatening disease and several surgeries / conditions later. He always answers all of my questions in a timely manner and always has a positive outcome for me. I feel highly represented & grateful with Steve as my LTD attorney which enables me to take care of my health to the best of my abilities without worries.

Steve, I sincerely appreciate all you and Dell & Schaefer have accomplished for me from day one in representing me regarding my case in a very quick and timely manner. I would “most definitely recommend” Attorneys Dell & Schaefer to anyone in dire need of the best in legal representation & counseling in short & long term disability cases.”

God bless to you Steven, Anneli, Greg and all of the Dell & Schaefer Law Firm!

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