Has Lincoln Contacted You About Your Liberty Disability Claim?
Earlier this year Lincoln Financial and Liberty Mutual Insurance Group entered into an agreement in which Lincoln purchased Liberty Life Assurance Company of Boston, the group disability and life insurance group benefits portion of Liberty Mutual Insurance Group. For insured with disability or life insurance benefits provided by their employer, Liberty Life Assurance Company of Boston is most commonly known as Liberty Mutual as that is the name most prominent on correspondence from the company and as such, most insured simply know the company as Liberty Mutual. For ease of reference and for purposes of this article we will refer to Liberty Life Assurance Company of Boston as “Liberty” to avoid any added confusion.
To some, the purchase of Liberty by Lincoln has come as a sigh of relief. Many people who have had to deal with Liberty as it relates to a claim for disability benefits, or whose claims for disability benefits have been denied by Liberty will tell you of the difficulty in dealing with the company. Although all disability insurance carriers come with their own set of problems, historically Lincoln has built a reputation amongst group disability insurance carriers for providing fair reviews of claims for disability benefits. As the transition from Liberty to Lincoln continues we have recently started to receive correspondence for clients covered by Liberty as to Lincoln’s new role relating to ongoing Liberty disability claims. As this transition is relatively new (as of May 2018) it remains to be seen exactly how the acquisition of Liberty by Lincoln will unfurl and what that will mean for insureds already on claim with Liberty or for individuals whose employers provide disability and life insurance policies through Liberty.
Since the purchase was announced in the beginning of this year our office has observed a marked increase of disability claim denials from Liberty. Although we certainly suspect that the increase in Liberty disability claim denials is a result of the purchase, we have no way to prove that Liberty is/was trying to clear out cases in advance of the transition. However, we can say that Liberty’s scrutiny of claims appeared to be at a heightened level compared to previous years. With that being said, on the other side of the coin we have not observed an increase in negative claim decisions/denials from Lincoln, a fact that could bode well for those who are currently on claim with Liberty and whose claims are being transitioned to claims handling by Lincoln.
For those who have not yet filed a claim for disability benefits and whose employers provide disability coverage through Liberty it will remain to be seen as to whether Lincoln maintains the Liberty policies or replaces the existing policies with Lincoln policies. If the latter occurs there are some key difference between the policies that Lincoln and Liberty write – the main differences being Lincoln’s requirement of a two-step administrative appeal process in the event of a disability insurance claim denial and the policy language each carrier uses as it relates to disability, limitations due to certain medical conditions, and how occupations are defined.
Regardless of whether your disability benefits are with Liberty or Lincoln, the purchase of the former by the latter will result in some changes moving forward. If you have been contacted by Lincoln as it relates to your Liberty claim, or you are experiencing claim difficulties with Liberty similar to what’s noted above please feel free to contact our office for a free consultation with one of our disability insurance attorneys.
Resources to Help You Win Disability Benefits
Get Your Lincoln Financial Disability Application Approved
Prevent a Lincoln Financial Disability Benefit Denial
Negotiate a Lincoln Financial Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Q: If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?
Q: Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years?
Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation
Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor
Kirk & Blum/CECO Environmental Employee Files Lawsuit Against Lincoln Financial Group For Wrongful Termination Of Long-Term Disability Benefits
Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.