Appealing a Long-Term Disability Denial by Liberty Mutual
Long-term disability (LTD) insurance is intended to help you pay living expenses when you are out of work due to a medical condition/illness or injury. If you’re insured by Liberty Mutual, then you likely have access to both short-term and long-term disability insurance.
Unfortunately, Liberty Mutual may sometimes deny your claim even though you are truly disabled and cannot work. A denial could be very stressful for you, especially if you are counting on those benefits to pay your bills. Please know that you are not alone. As a long-term disability attorney, we help people like you regain benefits that were wrongfully denied.
Here's what we can do for you right now:
1. Email, fax or mail us your denial letter for a free, no obligation review and strategy on how to fight back.
2. Download our free guide for long-term disability appeals, Danger: Proceed At Your Own Risk.
3. Call us at 816-203-0143 to set up a consultation with our long-term disability attorney.
About Liberty Mutual Long-Term Disability Insurance
Liberty Mutual was founded in the year 1912, and offers a range of insurance options from automobile, homeowners, and disability insurance. The company makes nearly $39 billion every year and is currently operating in multiple countries across the world.
Policyholders with Liberty Mutual may be surprised to find out that their disability benefits have been wrongfully delayed or denied. If you have received a denial letter in the mail from Liberty Mutual recently, you may be wondering why and what you can do to fight back. Our long-term disability lawyer is ready to help. Send us your Liberty Mutual denial letter, and we will review it for free and offer guidance on what next steps you should consider to get your benefits reinstated
Reasons For Getting Denied by Liberty Mutual
If you received a letter from Liberty Mutual that says your disability claim was denied, that means you will not receive benefits from your long-disability policy. Denial letters are a serious legal matter that put claimants in a very vulnerable position.
If you have received a denial letter from Liberty Mutual, It may say that your disability benefits were denied because:
- You failed to provide objective medical evidence of your disability,
- You failed to prove that you cannot work due to your disability, or
- You disability policy excludes coverage under one of its terms or conditions.
If you believe the denial was wrong, there are specific legal steps you must take in a very short period of time to preserve your rights. If your plan is governed by ERISA, you must first file an administrative appeal with Liberty Mutual within a short period of time (usually 180 days from receipt of your denial letter).
Appealing a Denial of Disability Benefits by Liberty Mutual
If you think filing an appeal under ERISA is simple, think again. ERISA is a federal law that strongly favors the insurance company. As a result, there are number of myths, tricks and traps to these appeals. For this reason, we strongly recommend that you hire an ERISA-trained disability attorney. There is simply too much at stake and too many ways for your appeal to go wrong.
If you insist on going it alone, at least first educate yourself on the rules and regulations that govern ERISA appeals. For example, ERISA requires you to submit any and all evidence and legal support for overturning the denial as part of your appeal. If you fail to do this, you cannot add additional information later, even if proceed to file a lawsuit.
In an ERISA lawsuit, you're stuck with what you already submitted. There are no witnesses, no “discovery,” and no juries. The only documents the judge reviews are those in your claim and appeal file. If you mess up the appeal, your case will be dead on arrival.
Just a few of the documents you’ll want to include in a Liberty Mutual appeal are:
- All relevant medical documentation describing the relevant limitations and work restrictions
- Reports from medical specialists and vocational experts
- Narratives from you and others who have have witnessed your disability
You should gather these together quickly, as you only have 180 days to file an appeal. Again, you will not be able to add on any documents once the claim is taken to court, so adding as much evidence as you can now helps you later on.
After a Liberty Mutual Denial, Our Disability Attorney Can Help
ERISA is too complicated and nuanced for most lawyers, much less consumers, to navigate. As a result, consulting with an experienced ERISA-trained lawyer to help you with the appeal and lawsuit is essential. With the help of a lawyer skilled in handling ERISA cases, you’ll have the best chance in getting the denial by Liberty Mutual overturned.
At the very least, you should start by downloading our free guide to ERISA disability appeals, Danger: Proceed at Your Own Risk. This book lays specific steps you need to take to get your LTD benefits approved.
With a denial of benefits for your long-term disability claim, you don’t want to take any chances. Contact our long-term disability attorney today at 816-203-0143, for free review of your denial letter. There is no obligation to hire our firm, and we will provide a detailed plan on how to get your benefits reinstated.