• Liberty Mutual Of NY Disability Benefit Denial Reversed After Two Denials In One Year
  • Liberty Life Disability Denial Claim Help
  • Liberty Mutual Wrongfully Denies Disability Benefits for a Pediatrician with Depression
  • Liberty Mutual Denial of Disability Benefits to Allstate Employee is Reversed
  • Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 1)
  • Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 2)
  • Liberty Mutual Relies On Video Surveillance to Deny Disability Benefits

Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits

Wells Fargo disability claimants in Alabama and Florida file lawsuits against Liberty Life Assurance Company of Boston for unpaid long term disability benefits

Recently, two Wells Fargo employees were forced to file Federal Lawsuist against Liberty Life after being denied disability benefits. Utilizing the services of an Alabama and a Florida Disability Lawyer, the two lawsuits are currently pending. Let’s take a closer look at both cases:

Alabama claimant, Rita S., and her attorney filed a lawsuit against Liberty Life Assurance Company of Boston in the United States District Court for the Northern District of Alabama Southern Division on August 22, 2011 in an attempt to receive payment on Rita’s rightfully deserved disability benefits. Employed as a Wells Fargo teller, Rita ceased working on April 9, 2007 as a result of multiple medical problems. Her medical issues included “fibromyalgia, restless legs syndrome, arthritis, advanced degenerative disc disease, neck pain and medication side effects.” She remains unable to perform her teller job or any other position.

Attorney files suit against Liberty Life on behalf of Wells Fargo Teller

At first, Rita was awarded her Liberty Life disability benefits, but later the insurer terminated those disability benefits. After exhausting all her Liberty Life disability benefits administrative appeals, Rita hired a disability attorney and awaits the district court’s decision concerning her eligibility or ineligibility for disability benefits. In their complaint, Rita and her disability lawyer surmise that the insurer was wrong in terminating Rita’s disability benefits and that this action “constituted a breach of [Liberty’s] obligation under” the benefits plan, violates ERISA and is “arbitrary and/or capricious.” Consequently, Rita and her disability attorney are suing the insurer for “compensatory damages and/or equitable relief in an amount to be determined by the Court,” in addition to pre-judgment and post-judgment interest, attorney’s fees and court costs.

Lawyer files suit against Liberty Life on behalf of Wells Fargo Lead Teller

On September 16, 2011 Florida Claimant Kathleen S. and her disability attorney filed suit against Liberty Life Assurance Company of Boston for her disability benefits compensation. A Wells Fargo employee, Kathleen was working as a lead teller when she was forced to stop working due to her disabled condition. Fully qualifying to receive her Liberty Life disability benefits, Kathleen applied for disability benefits in May 2010 when she succumbed to her disabling condition of SLE (Systematic Lupus Erythematosus, chronic pain, gastritis, chronic and severe fatigue, depression, and fibromyalgia with “significant limitations.”

May 7, 2010 was the date when Kathleen became disabled and has not returned to work since that time. On January 11, 2011, Liberty Life informed Kathleen that she did not deserve to collect long term disability. According to the insurer, she does not qualify as “disabled.” Appealing this decision, Kathleen provided physician testimonials that verified her disabled condition to no avail. In the face of three physician recommendations that Kathleen should not return to work as well as Kathleen’s award of Social Security Disability benefits, the insurer continues to state that Kathleen is capable of gainful employment. Thus, Kathleen, through her attorney filed suit against Liberty Life in the United States District Court of Southern Florida Fort Lauderdale Division and asks the court for relief.

In the subject complaint, Kathleen and her attorney allege that Liberty Life’s denial of long term benefits to Kathleen is “wrongful,” “arbitrary and capricious” and was a breach of contract as well as a breach of the insurer’s fiduciary responsibilities to Kathleen. They claim that the insurer is “guilty of bad faith, has been stubbornly litigious, and has caused [Kathleen] unnecessary trouble, expense, and emotional distress.” The pair claim Liberty Life’s actions toward Kathleen were “intentional, willful, and in bad faith, and raise the presumption of conscious indifference to” Kathleen’s best interests. Kathleen’s unpaid long term disability benefits, plus interest as well as attorney’s fees and litigation costs.”

Leave a comment or ask us a question

Questions About Hiring Us

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   *****

Jim F.

My employer offered both Short Term Disability and Long Term Disability insurance as optional benefits among others. The premiums were significant, but since they could be payroll deducted I felt they could be reasonably managed and the security of continued income in the event of a medical disability was well worth the investment. As with the purchase of a first aid kit, most would prefer never having to use it.

I have been very fortunate to have had few illnesses or injuries throughout my life and more specifically my 45 year career as a healthcare professional. It wasn’t until early in 2012 that I was diagnosed with a chronic, progressive disease of the eye. Symptoms were minimal at that time, though regular visits to a retinal specialist, including regular therapy by ocular injection, were necessary to slow its progression, the symptoms did not appreciably interfere with my work. In spite of my treatments the condition continued to progress. In early 2014 the symptoms began to interfere dramatically with my day to day duties. My job required significant computer use and the reading of copious amounts of medical documentation. It became evident to me that I could no longer meet the expectation of my management and clinical position without working frighteningly long hours and enduring the relentless eye strain and other symptoms related to the illness.

Though I had always planned for eventual retirement from my full-time position, like most professionals I had hoped to be able to continue to practice my profession on a part-time basis throughout my retirement as long as I remained competent and able. That was not to be. Thankfully, I had the foresight to elect the disability benefit options offered by my company and have the premiums payroll deducted for many years. I notified my supervisor and HR representative that I had to stop working due to my condition and proceed with the disability application process.

All went very well and after using up my accrued vacation and sick time, my short-term disability benefits commenced. Since my condition is progressive and incurable I felt secure in knowing that once my short-term benefits were exhausted my benefits would continue under the long-term policy. However, much to my surprise, after receiving about a month of benefits I received notification from the insurance company that a decision had been made to terminate my benefits due to lack of objective medical evidence to support my claim, though significant documentation had been provided by my retinal specialist.

I was bewildered and unsure of how to proceed with an appeal of that decision. Since I had 180 days to do so, I decided to research the matter thoroughly. In spite of my being a veteran healthcare professional everything I had been reading on the subject cautioned about attempting to proceed with an appeal on my own. Legal representation was highly recommended.

I then began a review of local attorneys, hoping to find one that provided enough documentation on their website that indicated experience with non-social security disability related cases. I was also interested in seeing evidence of some experience with disability cases related to diseases of the eye and resultant vision impairment. I was unsuccessful.

So I expanded my search to include national law firms. It was then that I discovered Dell & Schaefer. After thoroughly reviewing their website, watching many of the video discussions, noting experience with vision related cases, particular documentation related to the insurance company that handled and then eventually denied my benefits, and reading a significant number of testimonials, I decided to request a free consultation as advertised. It was one of the best decisions I have ever made.

After that consultation, I was very confident that I was in very skilled hands which alone reduced my anxiety level immensely. Attorney Alexander Palamara and his Legal Assistant, Kathleen Bordes, immediately began managing my case, their professional expertise clearly evident.

They worked closely with my retinal specialist, my optometrist and the insurance company in compiling the medical documentation necessary for a successful appeal in an amazingly short period of time, keeping me fully informed all along the way. Shortly after being notified by the insurance company that my benefits would be reinstated and paid through the full term of my short-term policy I received a lump-sum payment.

Once the short-term disability appeal was successfully completed, Alex and Kathy immediately addressed the long-term policy benefits. Again in a remarkably short period of time I was granted those benefits, receiving a lump-sum payment for benefits to date and will receive a payment monthly going forward per the terms of my LTD policy.

I am extremely pleased with how my case was handled and the very favorable outcome. Alex and Kathy were a delight to work with and extremely professional in every way. Incidentally, the fee I paid to Dell and Schaefer for their incredible representation was very reasonable and very well earned.

I highly recommend the services of Dell & Schaefer to anyone who may find themselves in a similar disability-related situation.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us