As leading national disability attorneys, Marc Whitehead & Associates have represented policyholders across the U.S who have had their Liberty Mutual disability claims unfairly denied.
Founded in 1912, the Liberty Mutual Group currently ranks 68th on the Fortune 100 list of largest corporations in the United States based on 2017 revenue. In addition to group disability insurance, the Liberty Mutual Group’s product line also includes auto, homeowners, workers compensation, liability, and fire insurance. The Liberty Mutual Group is headquartered in Boston, Massachusetts, but their insurance policies are sold through independent agents and brokers across the United States and around the world.
Liberty Mutual sells employee group coverage insurance for both short term disability and long term disability benefits. These benefits are intended to replace a portion of an insured employee’s income in the event that they become too ill or too injured to work. Short term disability provides benefits for intervals up to 13 or 26 weeks; long term disability provides benefits for longer durations, typically up to age 65 or retirement age.
Liberty Mutual provides administrative services for disability claims through their member company, Liberty Life Assurance Company of Boston. This means they act as the insurer as well as the payer of the claim.
Marc Whitehead & Associates are well acquainted with insurance companies that provide their own claims administration. When this happens, a financial conflict of interest could exist in which the insurance company would benefit by refusing to pay the claim. Numerous complaints have been alleged in litigation against Liberty Mutual for disability claims denial regarding these conflicts of interest and other wrongful actions.
Complaints against Improper Denial of Liberty Mutual Disability Claims
Most people don’t have the resources to cover their living and medical expenses in the event that they become too ill or too injured to work. That’s the whole purpose of purchasing a group employee disability insurance plan. But what happens when you become too disabled to work and file a claim for benefits – only to have the insurance company deny your claim? Thousands of people who have relied on their policies have wound up financially ruined because of insurance companies’ refusal to pay valid claims.
ERISA (The Employee Retirement Income Security Act of 1974) statutes regulate group claims, as with Liberty Mutual disability policies. ERISA laws are complex and are often used by insurance companies to delay or deny a disability claim.
However, ERISA also gives disability insurance policyholders the right to appeal a denial of disability benefits.
If you believe Liberty Mutual has unfairly denied your disability benefits claim you can appeal their decision – but you need help.
Lawyers who are not familiar with disability insurance law do not always understand what they must prove in a long term disability claim. Most attorneys are not experienced in working under ERISA statutes that regulate group claims, as with Liberty Mutual disability policies. A skilled ERISA lawyer can help you avoid serious errors in the appeal phase.
Get Help From Our National ERISA Attorneys
The disability lawyers at Marc Whitehead & Associates have the knowledge, experience and resources required to litigate ERISA claims successfully. We have helped thousands of clients obtain the disability benefits they deserve after being denied by Liberty Mutual and other insurance companies.
We encourage you to contact Marc Whitehead & Associates and schedule a Free Consultation with one of our disability benefits claim lawyers about your Liberty Mutual denied disability claim. We are headquartered in Houston, but represent clients all over the U.S. Wherever you live, we can help protect your rights to the benefits you deserve.