Liberty Mutual Life Insurance, one of the largest insurance providers in the U.S., offers long-term disability (LTD) insurance to employees and individual policyholders. Liberty Mutual has a history of denying legitimate long-term disability claims, though. If you have received a denial from Liberty Mutual, you are not alone—and you have legal options.
Dabdoub Law Firm has successfully represented clients who fought long-term disability denials from Liberty Mutual. With a nationwide reach and an exclusive focus on disability claims, we know how to challenge the tactics that Liberty Mutual uses to wrongfully deny benefits to people in need. Our firm has a track record of winning long-term disability cases, including victories in federal courts across the country.
Common Reasons for Liberty Mutual Denials
Liberty Mutual, like many other insurance companies, often denies claims using various tactics, including:
- Insufficient medical documentation: Denials may occur if Liberty Mutual claims there is not enough evidence to support the disability, despite the policyholder submitting thorough medical records.
- Misinterpretation of policy terms: Insurance companies may argue that the claimant does not meet the definition of disability according to their policy.
- Surveillance and IMEs: Liberty Mutual may use video surveillance or Independent Medical Examinations (IMEs) to argue that a claimant is not disabled, even when their condition is well-documented by treating physicians.
Disability insurance claim denials are frustrating and often overwhelming, especially when you're already dealing with a serious health condition. Fortunately, our attorneys are here to help.