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1) If you have LTD through work with LM, get different insurance! If you are not able to do this remember the following:

a) Remember that your human resource person works for the company not the employees. Get everything in writing and save every email at home. I had mine at work and it was all shredded before I was able to pick up my things!

b) The LM representative's job is to deny coverage by any means possible! Never say you are fine or OK, use the phrase "หœas well as can be expected' everything you say will be used against you!

c) Request the entire LTD policy! Most policies have:

i. Have only 1 appeal and then no new evidence can be introduced after that

ii. SSDI is subtracted out of your benefit payments

iii. You are not able to collect punitive damages

iv. There are a ton of loop holes and the wording is confusing

d) LM will pay benefits for about 2 months and then start suspending payments. Most common reason is the doctors' are not sending notes, even thought some were faxed in 4 times in my case.

i. This allows the company to show corporations that they pay benefits so they can sell more policies!

e) If denied benefits payments request the entire administrative file, before you file your appeal. This will prevent the surprises I had (more on this later).

f) If denied benefits payments get a lawyer ASAP

i. Good luck if you make less that $50,000 a year. This is because LM does not settle cases; they force the civil suit to be filed

Location: Phoenix, Arizona

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Guest

This is jerry nooner and I need my w3s i hsvent recieved them my address where yiu was sending them was 2831 s Richmond Tulsa OklahomaBut i need you to srnd them to 202 E poplar Enid ok 73701 Ty

Guest

You are so right. I have been approved for benefits..now for almost a year I have a new case manager.

She is twisting everything I say.

....she claims she has not received papers from my doctor...now she wants information from other doctors unrelated to my claim. If I say I am fine..she used that against me....

Guest

Yes, I agree. Liberty Mutual will gladly take your monthly payment but when it's time to pay me for a work related disability, they deny it every step the way. I was forced to hire an attorney.

Guest

What were th surprises

Guest

Hiring a lawyer now, I was sent a bogus w2 for 2014, I filed my taxes using a professional from h and r block. Now that I am at 3rd level appeal with SSDI and have had my benefits suspended at least four times in 2 years claiming they didn't get paperwork which my husband faxed in and we have a confirmation they received it.

My w2.states I got 10k more than I did. Glad I saved my pay stubs, and they took out over 10k in taxes, 7k was for ss taxes alone. When I called they said that's not the information they had, that I was only paying 88 dollars a month on federal taxes so I gladly sent over this w2.showing them how badly they screwed up. I am not cleaning up their mess, instead I am suing them, and getting them for emotional pain and suffering too!

I have an incurable disease that's slowly killing me and they kept wanting more paperwork to prove it, even though I had testing to show I had this, and there is no treatment. And now this nighmare to deal with.

Guest

I just found out liberty mutual denied my claim for std :( I have bipolar, PTSD and severe anxiety disorder with agoraphobia. I'm so scared I don't know what to do... I'm broke and I'm so sick I can't go back to work yet :(

Life really seems like more trouble than it's worth

Guest

Hello could somebody answer a few question for me? i was recieving LTD through LM for 2 years after the 2 years they told me i had to file an appeal and of course they denied me so little ove 8 months later i go to court for ssi/disability and win with no changes in my conditions when i filed an appeal so now that put me behind and getting ready lose my home because they denied me can i sue them or not for not cont. to help me since i won ssi/disability with no changes.

Guest

Liberty Mutual actually made me more sick with all of their dishonest tricks. I am now negotiating a settlement with them so I won't have them in my life.

I had STD the LTD for 2 yrs. then they cancelled me. I was approved by SSDI the next day. I hired a lawyer and had filed a suit against them, and have just filed a civil suit against them and now after almost 3 yrs of fighting, my lawyer says they want to settle.

Even though I'm disabled, and should receive my monthly benefits from them, I don't want them in my life, so I'm settling. They can ruin your relationship with your doctors because they harass them and threaten them. The case manager called me one morning screaming at me saying I couldn't stay home because my paperwork wasn't complete. Yeah right, tell someone with a spinal cord injury to get to work.

They edited the survaillance tapes, cutting out parts that showed how much pain I have walking. And when I had a neck collar on and had my 82 yr old mom bringing meals over and driving me to the doctor an hr away.

They shouldn't be allowed to operate this way. How can it be legal?

Guest
reply icon Replying to comment of Guest-699523

Kaitlin and curt68 your cases sound exactly like mine. After collecting STD they initially denied me going from STD to LTD saying that I could do sedentary work.

I appealed on my own and they granted me LTD benefits. After two years they denied me again saying I could do sedentary work. I appealed with an attorney and they denied the appeal based on heir doctor's opinion who NEVER EXAMINED ME and even though I receive Social Security Disability and have two doctors that provided detailed medical documentation to substantiate my disability. In my 2+ years of dealing with Liberty they have stopped payments and threatened to stop payments stating that they had not received doctors reports only to find that the doctors offices provided me with fax cover sheets proving the info was faxed weeks before.

Same threat, that I was not returning their phone calls yet the number they stated in their letter isn't even close to mine, not even the same area code. I am now working with another attorney and find that I may be forced to SETTLE for an amount much less than I should.

LTD NEEDS TO BE REMOVED FROM ERISA......NOW. :(

Guest
reply icon Replying to comment of Guest-795285

yes! i am pissed.

i received ltd for 1 year. then get a call to say i am denied after only getting 3 or 4 payments. i was approved for ssdi. they have drs info.

but i think they enjoy denying u. this is a stressful process. i just sent drs notes to them. then the call!!!.

now with the covid19. everything is closed. now have to go through the appeal process. the $117 i get is not a lot of money.

but it is to me. i thought this process would get easier as i started but NO. i will be glad when im done with them. im 57 years old.

only a few more years to get the little money they send. and they know that so why not lets deny her!!!!

Guest

I have also had my claim denied/closed by Liberty Mutual. I have been out of work since December 2012 and was only paid through early February 2013 at which time payments stopped.

Their reasoning was my doctor was not sending appropriate documents when requested. It took them until April before they decided to close my claim based on a single conversation they had with me, where my physician had inaccurate information on my treatment. The corrected information I provided was then used against me to deny and close the claim. I appealed and provided documents from my physician and another physician, along with information regarding my dual condition.

They denied a second time and now I've hired an ERISA attorney. He advised me to file for the long term disability since I was only drawing the short term disability, as this will open Liberty Mutual up for a larger financial exposure.Does anyone have a generic long term disability form they could share with me?

I've been let go from my company and unfortunately do not have that as an option.IF someone can help, please email me at FaithAlwy@***.com. Thank you

Guest

I paid LTD for years. I became disabled 2012.

Upon filing my claim with LM, I learned I HAD to apply for social security for me AND for my kids. I was approved thru Social Security. Now Liberty deducts what SS pays me and my kids. I knew they'd deduct my pay, but was not expecting my kids.

Plus SS requires a log of where money goes for the kids. Therefore, it's just extra work on my part.

Long story short, Liberty Mutual just got out of paying $3000 and the government now has to pay.... I bought this insurance thru work so I wouldn't bother the government What a joke..

Guest

Start commenting on their Facebook and Twitter pages. They'll have to do damage control They are saying the same thing about my paperwork- that the doctors haven't faxed anything.

That's a lie since I made sure I was there when they sent the fax. I'm about ready to post my docs on their Facebook page and see if they still deny receipt as a company. Imagine the headlines.

Patients forego privacy offered under HIPPA to get point across to Liberty Mutual. That should make companies take notice!

Guest

Depression suicide bipolar psycotic short term ended sept 2012 got a check for 33.00. told that I should have a check by oct 2 nothing, was told that lm has been trying to get information from my doctors.

whatever,was told on oct 28 that my claim is most likely denied but going to give it another week i have no money car repo'd cell turned off and no food . wow

Guest
reply icon Replying to comment of Guest-564943

Yep. I'm going through the car rep now. Keeping it in the garage. Cannot pay rent. All we can do is keep our heads up. I applied for state benefits and visit the food pantries. I pray God will deliver us both soon. May not come when you want Him to but always on time :)

Guest

I am going on my fourth lower back surgery in 3 years. I have been denied LTD from Liberty as of Aug.

28th. I have sent the appeal letter in and am waiting to hear from them along with Doctors papaerwork.I am incapacitated, cant walk,sit or stand for any more than 1/2 hr and then I am in so much pain. I am horrified reading these letters.

I will be back to see what happens. I will apply for SSI soon after this fouth surgery.

Guest
reply icon Replying to comment of Guest-540214

I appealed their decision and won without an attorney. I guess I had the right person who actually does the approvals.

She was very helpful and I was very happy. I have since applied fro Social Security Disability and my case worker at Liberty has informed me that they can help with that whole process as well. I thank God everyday that Liberty Mutual has been so helpful. I guess with all the phoney claims people make these days, they have to be diligent in making sure all claims are worthy.

I still can't sit, stand or walk for more than 45 minutes to an hour and the doctors say there isn't any more they can do for fear of paralysis. Good luck to all.

Guest
reply icon Replying to comment of Guest-590532

They say they will help you so you give all your info to the Advocator group that is supposed to help and all they Do is collect your medical info. Then when it's time for court .

They donโ€™t send anyone related to the law profession. They send a representative. Remember they are paid by LM. So when Ssdi pays you back pay they take all of it and offset your monthly payment to equal what is supposed to be paid by them with the governments Ssdi payment.

So they win again. So they ex : they pay $2000 to you in LTD. Then your approved by Ssdi so Ssdi pays $1000 then they pay $1000. If you do not give them your back pay they donโ€™t pay you until they receive the back pay paid off by taking your Ltd pay.So instead of the policy amount you paid for.

You will only get Ssdi . So ,when you get your lump sum you better pay Liberty Mutual 30,000 35,000 whatever it maybe. If not they will take it out of your monthly income for years until it is paid . Good luck!

I hope they do not do to you what they have done to the rest of these people. Lawyer up !

Guest

I say identify your employer under these ERISA plans. The employers that are buying these policy and stealing money from their employees need to know.

You must not make it about yourself, make it about all victims. When a valid claim is denied it hurts your employers customer base. The victim can no longer be a consumer and consumers spend money which drives their business while Liberty Mutual sits on their billions and pays their executives millions of dollars in compensation. Google Mr Liberty they are doing some nice work over there.

Good luck. If one major employer drops their policy with LM it is thousands of premiums a month.

This will really hurt them. Take back your power and do what is right for victims everywhere.

Guest

I too have been screwed by LM. I am completely disabled and each month they want doctors reports, which they have and say they do not.

They have suspended my LTD saying that my doctor never sent in the paperwork, I have myself faxed it in.. they have it they just do not want to pay.

Looks like I am off to court at any const. I would rather receive nothing and pay it all to an attorney then let LM get away with this!

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