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Liberty Mutual Denied Disability Claims


Denied disability lawsuits have been filed against Liberty Mutual insurance company. The Boston-based Liberty Mutual Holding Company, through its subsidiaries and affiliated companies, is one of the largest disability insurance providers and the fourth largest property and casualty insurer in the US. Liberty Mutual, which has over 800 offices worldwide, has denied countless disability insurance claims. Liberty Mutual policyholders have filed lawsuits against the insurance company for allegedly practicing bad faith insurance and denying their Liberty Mutual long-term disability insurance.

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What is Long-Term Disability Insurance?

Group and private individual disability insurance policies are designed to allow a person to still receive an income if unable to work due to an illness, injury or accident. A long term disability policy typically pays roughly 60 percent or the person's regular earnings and generally includes a built-in waiting period of 90 to 180 days for benefits after the insured stops working.

Liberty Mutual Disability Claim Denial

If Liberty Mutual denied your disability claim, or if your claim was granted and then terminated later, you may be eligible for substantial additional benefits.

Insurance companies may use a number of tactics to avoid paying disability benefits, including:
  • Approving a short term disability claim and then denying benefits when the claimant files a claim for long term disability.
  • Repeatedly requesting additional medical examinations.
  • Claiming the policy lapsed.
  • Arguing that a disability was a pre-existing condition.
  • Denying a claim in an attempt to wear the claimant down to agreeing to a lower settlement.
  • Relying on video surveillance to deny claims
  • Making a determination that there is at least one job a claimant can perform.

Applying for Liberty Mutual disability insurance benefits involves complex documents, paperwork and deadlines. It is recommended that those seeking long-term disability benefits or claimants who have been denied seek counsel from an experienced attorney.

Liberty Mutual Ranked Among Worst Insurance Companies

Denied Disability A report from the American Association for Justice (AAJ) ranked Liberty Mutual at number 10 in its list of the top worst insurance companies. The AAJ report covered insurance companies across a range of insurance fields including disability, homeowners, auto, health and life insurance.

According to the AAJ report, Liberty Mutual hired consulting giant McKinsey & Co. to "boost its bottom line" with a strategy of lowering amounts paid in claims whether the claims were valid or not. "Liberty Mutual is facing a glut of litigation from its own vendors who say the company’s cost-cutting has resulted in poor claims processing and a spike in lawsuits," according to the report.

Liberty Mutual Disability Benefits Lawsuits

In 2012, Leonia Kirkpatrick, a claims specialist who worked for Indiana Insurance, a subsidiary of Liberty Mutual, filed a lawsuit against Liberty Mutual after it allegedly denied her claims for short-term and long-term disability benefits. Kirkpatrick argued in her appeal that Liberty Mutual failed to her total medical history and the cumulative effect that her medical conditions have on her ability to function in the workforce on a full-time basis, according to court documents.

A Kentucky woman, Yulunda McAlister, filed a lawsuit in 2015 against Liberty Mutual, alleging that her disability benefits should not have been terminated because her mental impairment has an organic cause as opposed to a psychiatric or psychological one. Liberty Mutual denied McAlister's appeal based on the insurance policy's 24-month mental illness limitation and its determination that she was not disabled from her own occupation, according to court records.

Liberty Mutual Denied Disability Legal Help

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