Liberty Mutual Disability Denials
Liberty Mutual Group is one of the largest insurance companies in the United States. Its main insurance product is property and casualty insurance, where it ranks third in the country in the total amount of policies, but it also has a large disability insurance section, with short term disability and long term disability policies available. Liberty offers privately purchased disability insurance plans, as well as group plans that are governed by ERISA. While not as large and profitable as other insurance giants such as MetLife, it is still a major player in the global insurance arena, with annual revenue of over 30 billion dollars and over 45 thousand employees. Like all insurance giants, it is in the business to take in as much revenue as possible, while paying out the lease amount of money to its clients. The disability insurance section has well established polices and practices that are all designed to maximize profits. As a result, the company issues thousands of disability insurance denial letters each year. It also denies disability claims for a variety of reasons, but most denial letters that are issued leave the insured searching for answers as well as a way to replace the loss of income from an unjust denial. A disability denial lawyer can help provide the answers and results that you need and deserve! Regardless of whether you have a group policy, or an individual long term insurance plan, The Herbst Firm can take on the company and fight for the settlement or verdict you deserve.
The majority of Liberty Mutual disability insurance plans are group plans governed by ERISA. ERISA requires all claimants have 180 days from receipt of the denial letter to appeal the denial of a disability claim. The company has a tendency to send bare bones denial letters to their policyholders that make it difficult in many cases to pinpoint the exact reasons for denial. This tactic used by many insurance providers is aimed toward making an appeal more difficult. An experienced attorney can analyze your denial letter, and request copies of your complete policy and claim file from the insurance company. This information must be provided under ERISA, and is used to generate a letter appealing the company's decision. The 180 day requirement may sound like a long time to generate an appeal, but we recommend that you retain an attorney immediately in order to prepare the best possible appeal. An skilled lawyer can provide you with invaluable information and advice, which can help assure that your appeal will have the best possible chances of being accepted by Liberty Mutual. Our Maryland disability department is standing by to offer a free consultation about your denial and we are ready to fight to earn you the benefits that you paid for and deserve. You can reach our lawyers 24 hours a day at (410) 207-2598.