Liberty Mutual Insurance Company also known as Liberty Life Assurance of Boston is a short term and long term disability insurance company that likes to play hardball with your disability benefits. We often think that Liberty forgets they are making claim decisions which will substantially impact a person’s ability to financially support themselves or their family.
Liberty Mutual is no stranger to the Federal Courts as they are sued numerous times every years as a result of unreasonable disability claim denials. On any given day our law firm has multiple Liberty Mutual Appeals and lawsuits pending on behalf of clients located throughout the country.
Whether you are applying, appealing or need to file a lawsuit against Liberty Mutual, call us for a free phone consultation.
Five Reasons Liberty Mutual Disability Denials Are Common
The majority of the Liberty Mutual disability policies are governed by ERISA. This means that a claimant must be able to prove that Liberty acted unreasonably in order to reverse a claim denial. Pursuant to ERISA regulations, a judge is required to give deference to the insurance company.
Please watch some of our ERISA disability videos to learn more about how ERISA relates to disability claims.
Due to the high number of Liberty Mutual disability denials we have identified the following routine reasons for claim denial:
- Liberty fails to take into consideration the pre-disability occupational duties of the claimant. Instead, Liberty will give the job a classification such as sedentary and make a determination that if a claimant can sit for 4-6 hours a day, then they must be able to do their job. Unfortunately, Liberty fails to take into consideration that even a sedentary job requires a person to think without disruption. Pain is a disabling factor that prevents most people from being able to focus and effectively do their job. Liberty will commonly argue that pain is subjective and there is insufficient medical documentation to support your level of pain.
- Liberty relies very heavily on video surveillance to deny claims. Please watch our Liberty Mutual video to learn more about this.
- Liberty will often argue that a person does not have sufficient objective evidence such as an MRI, CT SCAN or X-ray to support the subjective complaints of pain. There are many medical conditions such as fibromyalgia, back and neck disorders, chronic headaches, and chronic fatigue in which diagnostic testing can never reveal an individual’s level of pain. Liberty essentially creates an artificial burden which a claimant can never satisfy.
- Liberty will hire a medical doctor to review the medical records only and never examine the claimant. We always find it hard to understand how a doctor reviewing medical records only can make a determination about an individual’s ability to work 8 hours a day. In many cases we have seen Liberty violate ERISA by relying on the wrong type of medical specialist to review a claim.
- Most Liberty mutual disability policies change to an “any occupation” definition after 24 months of payments. In most cases Liberty will make a determination that there it at least one job that a claimant could perform.
Liberty Mutual Disability Cases, Complaints And Videos
We are always trying to provide as much information as possible in order to educate and manage the expectations of Liberty Mutual disability claimants.
On our website you can review some of our Liberty Mutual Videos featuring attorneys Gregory Dell, Stephen Jessup and Rachel Alters. You can also read short articles discussing Liberty Mutual disability lawsuits and court opinions nationwide. Lastly we invite you to post your comments, complaints, or questions about Liberty Mutual on our website so that other Liberty policy holders can learn from your experiences.
Contact us privately if we can assist you with your disability claim anywhere in the country.
Recently Resolved Cases (17)
- Liberty Mutual Approves Disability Benefits to Senior Vice President
- Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal
- Liberty Reinstates Long Term Disability Benefits for the Second Time
- After it had previously overturned a denial after an initial Dell & Schaefer Appeal, Liberty denied our client’s claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again.
- Dell & Schaefer Successfully Appeals Denial of Benefits to Former Inventory Control Specialist
- Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis
- After Initially Being Denied Long Term Disability Benefits, Dell & Schaefer Gets Former Wal-Mart Employee on Claim with Liberty Mutual
- Dell & Schaefer successfully appeal denial by Liberty Life
- Liberty’s Decides to Terminate Benefits to a Claimant with Multiple Sclerosis Based on 40 Minutes of Surveillance Video
- Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell & Schaefer Client, But There Is A Catch
- A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell & Schaefer
- Two Stroke Victims Win ERISA Appeals Against Prudential and Liberty Life
- Liberty Mutual Overturns Disability Denial to Truck Driver With Chronic Low Back Pain
- Liberty Mutual Overturns Disability Insurance Denial in Ten Days
- Berkshire and Liberty Mutual approve benefits to OB/GYN suffering from essential tremor
- Liberty Mutual reverses decision to terminate disability benefits
- Liberty Mutual reverses denial of short-term disability benefits and approves long-term disability benefits for advertising account manager 24
Cases & Claim Tips (47)
- Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
- Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled
- LTD Claimant’s Failure to Submit Timely Appeal Was Fatal to His Disability Insurance Claim
- Has Lincoln Contacted You About Your Liberty Disability Claim? 2
- Is Lincoln Relying on MDGuidelines to Review Disability Appeals?
- Lincoln Financial to Buy Liberty Life – Does This Affect My Disability Claim?
- Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review
- District Court Affords Greater Weight To SSDI Award Than Surveillance Footage
- Liberty Mutual Ignores SSDI Approval and Denies LTD Benefits Wrongfully 2
- One Year Period to File Lawsuit Following Liberty Life Insurance Denial is Valid
- Liberty Life Has a Conflict of Interest and Court Orders Reinstatement of Long-Term Disability Benefits
- Washington Court Finds Liberty Erred in Terminating Disability Benefits
- Arkansas Court Reverses Liberty Life’s Disability Denial for a Nurse
- Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages
- Massachusetts Court Reverses Liberty Disability Denial for Failure to Examine or Consider Subjective Pain
- Credibility Judgments Without IME Lead to Remand Back to Libery Life for Full and Fair Review in Kentucky ERISA Disability Lawsuit
- Disability benefit denial lawsuit against Liberty Life and HSBC can proceed
- Liberty Mutual Ordered to Pay Attorney Fees in Disability Denial Lawsuit
- Liberty Mutual Disability Denial Of Wachovia Employee Upheld By Appellate Court 2
- Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits
- Employees of Wells Fargo, Heinz, and Otis Elevator sue Liberty Life for denial of ERISA benefits
- Liberty Life faces disability benefit lawsuits in Florida and Maryland for denying disability benefits 2
- Liberty Mutual must consider disability appeal submitted 2.5 years after denial
- Two Yellow Book employees sue Liberty Life Assurance Company of Boston for failing to pay ERISA disability benefits
- Liberty Life Assurance Company of Boston sued under ERISA in three different cases for denial to pay disability benefits
- Two Comcast employees and a registered nurse file three ERISA lawsuits against Liberty Life Insurance in Pennsylvania for denial of disability benefits 2
- What is Liberty Life Assurance Company of Boston trying to hide in denial of disability benefits?
- Bridgestone employee sues Liberty Life Assurance Company of Boston for long term disability benefits
- Appellate Court denies Liberty Mutual’s attempt to recover $163,661.57 in disability benefits paid to disability claimant and business owner
- Insurance sales agent files a disability insurance denial lawsuit against Liberty Life Assurance Company of Boston
- Former Charles Schwab Corporation employee sues Liberty Life Assurance Company of Boston for denial of long term disability benefits
- Disabled employee of University Of California Davis diagnosed with fibromyalgia sues Liberty Mutual for denial of disability benefits and seeks punitive damages 5
- Former Zurich Insurance employee diagnosed with crohn’s disease sues Liberty Life for denial of disability benefits 2
- Wisconsin man sues Liberty Life for termination of disability insurance benefits
- Liberty Mutual denies disability benefits for depression despite two hospitalizations by claimant 4
- South Carolina disability attorneys sue Liberty Mutual three times in one week for denial of disability insurance benefits 2
- Liberty Mutual sued in Tampa Federal Court for denying long term disability insurance benefits 1
- Liberty Mutual ordered to pay interest & attorney fees following disability insurance claim denial
- Liberty Mutual is sued for denial of long term disability benefits to woman suffering with fibromyalgia 2
- Liberty Mutual and Wachovia interpret migraine headaches to be psychiatric and not disabling (Part I)
- Appellate Court finds Wachovia and Liberty Mutual’s review of objective evidence of disabling migraine headaches was unreasonable (Part II)
- Liberty Life Assurance ordered to pay long term disability benefits but not attorney fees
- Liberty Mutual’s denial of LTD benefits to woman with back disorder is reversed by Minnesota Court and affirmed by Appellate Court
- Liberty Mutual wins long-term disability case because of video surveillance – how District and Appeals Courts drew conclusions (Part II) 3
- Liberty Mutual wins long-term disability case because of video surveillance – backdrop for an unsuccessful LTD claim (Part 1) 2
- Liberty Mutual’s denial of disability benefits to a bank employee is reversed
- Nurse wins opportunity for reassessment of claim with Liberty Life for long-term disability benefits based on her fibromyalgia
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