Long-Term Disability Denied by Liberty Mutual? Attorney Loyd Bourgeois is Here to Help and Provide Guidance

Was Your Long-Term Disability Claim Denied By Liberty Mutual?

Delivering Timely Service When It’s Needed The Most? Liberty Mutual’s Track Record Proves A Different Story.

According to a report written by the American Association for Justice, Boston based Liberty Mutual Insurance Company leads the way in consumer complaints and comes in 10th in its listing of the 10 worst insurance companies.

Liberty Mutual has also received numerous complaints about its handling of its clients’ short and long-term disability claims.

A quick internet search reveals individual stories about delayed monthly benefits and claims that were wrongfully denied because of paperwork that was allegedly lost or never received.

Liberty Mutual is Looking Out For Their Bottom Line...

Like most other insurance companies, their #1 job is to look out for their bottom line.

Liberty Mutual has faced charges of bid-rigging and its own vendors and agents have alleged that poor customer service and incidents of bad faith have resulted in lawsuits against them.

There are plenty of cases where Liberty Mutual delayed or denied claims, which affected policyholders from getting the disability benefits they needed and deserved.

With these all allegations, it is not surprising that Liberty Mutual is known for anti-consumer practices.Liberty Mutual Long-Term Disability Denied?

Follow the Progress of Your Liberty Mutual Claim Closely

Unfortunately, it’s going to be up to you to keep up with Liberty Mutual about your long-term disability claim.

Make a list of all the documents they are requesting and follow-up that those documents have been received.

Also, keep track of any and all deadlines.

Failing to meet a deadline will most likely result in your claim being denied.

By following the progress of your claim closely, you may be able to ensure that it doesn’t get delayed or denied due to Liberty Mutual’s inefficiencies.

What To Do If Your Liberty Mutual Claim Is Delayed?

If your claim is delayed, it is important to know what’s causing the delay.

It could be that your medical records are causing the delay.

You may need to follow up with your doctor’s office to ensure they have submitted all of your records.

If you are unsure of the reason for the delay and Liberty Mutual isn’t giving you a clear answer, you may want to contact a local attorney to investigate the delay.

Liberty Mutual Denied My Long-Term Disability Claim. Now What?

How do you fight a disability denial from Liberty Mutual?

The first step you’ll want to take after receiving a denial letter from Liberty Mutual is to file an appeal. 

Under most long-term disability insurance policies, you have 90 days to file your appeal.  So, you should read your policy and your denial letter carefully.

Next, you should contact Liberty Mutual and ask them to provide you with your entire claim file.

It will include all of the evidence that Liberty Mutual used to deny your claim.

With that information, you’ll be able to fill in any gaps in your paperwork or obtain any missing medical records.

While it’s possible for you to file an appeal on your own, the process may seem too overwhelming when you are trying to recover from an injury or are living with a long-term disability. Because it’s so important that you understand the appeal process, you may find comfort in reaching out to an experienced long-term disability attorney.

It is uncommon to be granted a second appeal, so you're going to want to make sure you've done everything correctly at this step to increase your chances of receiving benefits.

If you are unable to work due to illness or injury and have any questions about your Liberty Mutual long-term disability claim, don’t hesitate to call our office at (985) 441-3448.

Loyd J. Bourgeois
Connect with me
Nationally recognized attorney dedicated to fighting life's legal battles with compassion and care
Be the first to comment!
Post a Comment