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Wisconsin man sues Liberty Life for termination of disability insurance benefits

Jeffrey Barr has not been able to work with any continuity and has been completely disabled since 2007. Hypertension and cerebral micro vascular disease of the brain have prevented Mr. Barr from working as an active employee of Danaher Corporation in Wisconsin. As result of his being completely and totally disabled, Mr. Barr was eligible to receive long-term disability insurance benefits from his long-term disability insurance company – Liberty Life and Mutual (Liberty). Mr. Barr was able to claim long-term disability benefit payments because he fit the definition of being disabled since he could not perform the material duties of his own occupation and, eventually, any occupation, according to his long-term disability plan.

Mr. Barr received a monthly benefit of $1,040 per month until Liberty denied and terminated Mr. Barr’s long-term disability benefit payments effective August 10, 2010. Mr. Barr appealed Liberty’s decision to terminate benefits and was denied his ERISA appeal.

Having exhausted his administrative remedies in order to resume receiving long-term disability insurance benefit payments, Mr. Barr was left with no choice but to file an ERISA lawsuit against Liberty Life Assurance Company of Boston and, his former employer, Danaher Corporation in United States District Court in the Western District of Wisconsin with the help of his disability lawyer.

While the specific cause of Mr. Barr’s hypertension is not stated within the complaint, hypertension or high blood pressure is a common disabling condition that often comes as result of stress, anxiety, diabetes, being overweight, or even as a result of genetics. High blood pressure can lead to hardening of the arteries which can eventually lead to a heart attack or stroke. Even though high blood pressure can be regulated by medication, there can come a time in a person’s life when it becomes more difficult to regulate high blood pressure especially when it is exacerbated by high levels of stress and anxiety.

Cerebral micro vascular disease is a coexisting disabling condition that often occurs in people who have problems with high blood pressure or diabetes. With this disease, blood vessels in the brain tend to thicken, yet weaken at the same time, thus leading medical experts to conclude that patients with cerebral micro vascular disease are often at a higher risk for stroke, dementia, and Alzheimer’s disease.

Again, even though Mr. Barr’s complaint against Liberty does not specify the exact nature of his cerebral micro vascular disease, as diagnosed by his treating physician, it appears that the severity of Mr. Barr’s cerebral micro vascular disease coupled with his high blood pressure prevents him from working with any continuity.

For Mr. Barr to have received approximately 24 months of disability insurance benefit payments, he would’ve had to submit supporting documentation from his treating physician that shows him to be completely and totally disabled. But since Liberty terminated his long-term disability benefits, Mr. Barr alleges that Liberty acted unreasonably and contrary to the facts that were presented to them regarding his claim.

Mr. Barr is asking the court to find in his favor and award him the disability insurance benefit payments that are due him retroactive to the date his benefits were denied and terminated by Liberty. Additionally, Mr. Barr is asking the court to have Liberty pay court costs and money to cover the fees for the Wisconsin disability lawyer representing him.

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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.

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