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Former Zurich Insurance employee diagnosed with crohn’s disease sues Liberty Life for denial of disability benefits

Liberty Mutual Disability Denial Lawsuit Filed By Missouri Disability Attorney

Carol Snyder and her disability lawyer filed a civil complaint against Liberty in United States District Court in the Western District of Missouri because Liberty denied her claim for short-term disability benefit payments.

Ms. Snyder, a software developer lead for Zurich American insurance, was no longer able to work with reasonable continuity as of May 5, 2009 due to a number of disabling conditions that include, but are not limited to:

As result of these disabling conditions, Ms. Snyder experienced:

The same day as the onset of her disability, May 5, 2009, Ms. Snyder visited her treating physician regarding the medical conditions that led to her inability to work with reasonable continuity. Also that same day, Zurich told her she would be terminated as of June 4, 2009 even though she had made an effort to work with reasonable accommodations.

Ms. Snyder alleges in her complaint that because she was not able to perform the material duties of her occupation on account of her disabling conditions, she experienced a 20% or more loss in weekly income due to the aforementioned disabling conditions. Therefore, Ms. Snyder applied for short-term disability benefits on June 1, 2009 with an onset date of May 5, 2009.

Liberty informed Ms. Snyder on July 13, 2009 that her claim had been denied. Ms. Snyder, with the help of her disability lawyer, appealed Liberty’s decision to deny her short-term disability benefit claim in a letter dated January 12, 2010 in which she expressly stated, “I appeal the July 13, 2009 denial of STD benefits.” Three days later, Liberty acknowledged receipt of Ms. Snyder’s appeal.

By June 2010, allegedly, neither Ms. Snyder nor her disability attorney received a response from Liberty regarding her appeal. Ms. Snyder’s disability lawyer asked about the status of his client’s appeal on June 16, 2010. However, on September 8, 2010, the claims department at Liberty allegedly ignored Ms. Snyder’s appeal letter by stating she never appealed the July 13, 2009 decision. Liberty claimed her attempt to appeal her claim in June, 2010 was past the appeal deadline, thus her claim was closed.

Furthermore, Ms. Snyder alleges that Liberty failed to recognize the basic facts of her claim and appeals when they denied her claim for short-term disability benefits and failed to acknowledge that her appeal was a bona fide appeal when she explicitly stated, “I appeal the July 13, 2009 denial of STD benefits.” Ms. Snyder also contends that her claim was not examined by a medical professional and the decision made by Liberty to deny her claim was arbitrary and capricious.

Ms. Snyder has calculated the amount of short-term disability benefit payments she says she is owed by Liberty under the provisions of the ERISA plan.

In addition to the sum listed above, Ms. Snyder is seeking to recover prejudgment interest, and all costs associated with this litigation.

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Comments (2)

  • Mo, I am sorry to hear of the stress your claim is causing you. Please contact us for a free consultation so that we can learn more about your claim and maybe provide insight into Zurich’s actions here. They may be performing a review to see if they owe you any additional benefits.

    Alex Palamara Apr 27, 2020  #2

  • I am currently on short term disability for anxiety and depression. My ZALICO claim adjuster with Zurich expected that I have an imminent return to work date as of my last appointment. My therapist has released me to return to work with restrictions as of May 15th and then full duty as of June 1st. Zurich can accommodate the restrictions. I’ve been off work since January 20th of this year. I’m not understanding why a peer review is needed to determine if my claim will be extended especially when there’s a return to work plan. I live in NJ. I have not received the decision yet but of course I am very anxious about how I will pay my bills or take care of my children if I’m denied. I’m trying to manage my anxiety and depression without medication but this is slowly sending me into overdrive… I desperately need advice please.

    Mo Apr 27, 2020  #1

FAQ

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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
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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.

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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.

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