Our Nationally Recognized Law Firm Can Help with Liberty Mutual Disability Claims
Liberty Mutual is one of the most profitable insurance companies in the United States. However, their profitability relies heavily on lowering the amount they pay in claims. In our experience, the insurer has a history of delaying payments or denying benefits by claiming it never received paperwork. This explains why Liberty Mutual leads the way in consumer complaints.
Have you received a Liberty Mutual long term disability claim denial? Do you need help handling your claim? If so, then you should take the first step towards securing your benefits. Our nationally recognized law firm has success handling long term disability insurance appeals and lawsuits against the major insurers, including Liberty Mutual. We also offer services to prepare and successfully file the initial disability insurance claim for our clients. At Tucker Law Group, we provide help with disability insurance claims at every stage of the process.
As always, our goal is to help you recover the maximum amount of benefits that you rightfully deserve. Thus, feel free to schedule a no-charge consultation with our long term disability attorneys. You deserve to have your case reviewed and litigated by an experienced professional.
Issues That Claimants Face With Liberty Mutual
Liberty Mutual has a history of delaying payments and denying both short and long term disability claims. For example, they often use the same tactics when attempting to delay payments. These tactics include:
- Saying that they never received any paperwork from the claimant’s doctor
- Only approving a claim for one or two weeks at a time
- Demanding a return to work date
Additionally, in our experience, Liberty seems to follow a formula for denying both short and long term disability claims. The tactics they often use include:
- Overloading the claimant with forms
- Alleging that the doctor did not provide them with enough evidence of the claimant’s disability
- Not returning phone calls for several weeks at a time in hopes that the claimant will give up
Was Your Liberty Mutual Long Term Disability Claim Delayed, Denied or Undervalued?
Liberty Mutual is one of the largest insurers in the United States. They receive many claims each day. However, they have a habit of playing hardball and denying benefits to deserving claimants. For example, the insurance adjuster may say that a claim does not meet the burden of proof required by Liberty Mutual. Further, the insurance adjuster will look for details in your claim that give them cover when issuing a denial of benefits. The unique issues claimants face when dealing with Liberty Mutual include:
- Forcing claimants to classify their jobs as sedentary. Many times it is the easiest work level shown on the claims form. This is a tactic that gives Liberty Mutual the opportunity to devalue the pre-disability occupational duties of the claimant. Liberty uses it to claim that the previous job was not physically demanding and the limitations a claimant experiences do not keep them from doing those easy physical duties (even when using one’s brain is the key to doing the job).
- Arguing that a claimant lacks sufficient evidence to support his or her complaints of pain. For example, a claimant may suffer from Fibromyalgia. However, there is no diagnostic test that can show his or her level of pain. Thus, the claimant can never meet the burden of proof required by Liberty Mutual.
Was your Liberty Mutual long term disability claim delayed, denied or undervalued? If so, then contact our nationally recognized law firm. We understand that insurance companies will do everything they can to improve their profitability. Yet, they do not have the right to deny claims for vague reasons. Our attorneys will help you build your case for an appeal. We can also help you secure your benefits by taking your case to court.
Appealing a Denied Liberty Mutual Disability Insurance Claim
After receiving a disability insurance claim denial, you may assume that this decision is final. However, this is not the case. In most circumstances, you have the right to appeal Liberty Mutual’s decision.
Even still, many claimants find the appeal process difficult to manage on their own. Thus, you should consult with a disability insurance lawyer before beginning the process. At Tucker Law Group, we can help your appeal succeed by doing the following:
- Obtaining your case file from Liberty Mutual
- Analyzing your case file to anticipate the arguments Liberty Mutual will make against your appeal
- Assess whether state or federal law applies to your claim
- Follow the appropriate appeal process for individual policies and ERISA policies
- Submit any required forms within the appropriate deadlines
- Prepare a comprehensive appeal using legal and medical research to support your claim
Filing a Lawsuit to Secure Liberty Mutual Long Term Disability Benefits
Have you purchased disability insurance outside of an employer or group? If so, then you have an individual disability insurance policy. With this type of policy, you may have the option of forgoing the appeal process and filing a lawsuit instead.
However, if you purchased disability insurance through your employer, then you have a group disability insurance policy. The federal law known as ERISA will govern your policy. Under ERISA, you can only file a lawsuit after you have exhausted your appeal options.
Either way, our attorneys can help you secure the benefits you deserve. Additionally, our efforts may result in Liberty Mutual offering you a reasonable settlement out of court. However, there is no pressure for you to accept a settlement offer. At Tucker Law Group, we want to secure the best possible outcome for you. We will present you with your options and let you make the decision that best suits your needs.
Contact Our Liberty Mutual Disability Insurance Attorneys
Are you struggling with your Liberty Mutual disability insurance claim? The attorneys at Tucker Law Group handle disability insurance claims for people nationwide. We have the experience and resources required to steer your case in the right direction.
Our lawyers are licensed in Florida and many federal courts across the nation, and we counsel in all 50 states. For a free consultation, send us a message online or call us by phone at (866) 233-5044.