Long-term disability (LTD) insurance is supposed to protect your financial stability when a medical condition keeps you from working, but unfortunately, denials are common. Many people find themselves overwhelmed by confusing letters and shifting explanations for why their benefits were stopped or never approved.
In these moments, you deserve a Liberty Mutual insurance denied long-term disability claims lawyer who knows exactly how to push back.
At BenGlassLaw, our denied long-term disability lawyers bring over 22 years of experience helping policyholders fight unfair claim denials.
Why Liberty Mutual Denies Long-Term Disability Claims
Liberty Mutual reviews long-term disability claims with a focus on minimizing payouts, which can make the process confusing and frustrating for policyholders.
Denials often occur for a variety of reasons, and understanding these common issues can help you identify potential weaknesses in your claim and respond effectively.
- Incomplete medical documentation: The insurer may argue that your medical records do not provide enough detail to show how your condition prevents you from working.
- Conflicting opinions from file–review doctors: Liberty Mutual frequently relies on its own medical reviewers, whose conclusions may contradict those of your treating physicians.
- Surveillance or social media evidence: Any online activity or recorded footage can be used to question your reported limitations, even if it’s misleading or taken out of context.
- Vocational assessments overstating abilities: Liberty Mutual may claim you are capable of performing “sedentary” or “light duty” work despite evidence to the contrary.
- Transition from own–occupation to any–occupation: After 24 months, the insurer may apply a stricter standard, arguing you can perform any type of work, and reduce or stop benefits.
- Procedural or technical errors: Missing forms, signatures, or deadlines can be cited as reasons to deny a claim, regardless of your medical condition.
- Perceived lack of compliance with treatment: Liberty Mutual may assert that you are not following prescribed treatments, even when your medical records show adherence.
If Liberty Mutual has denied your long-term disability claim, it’s important to understand that these denials are not always final.
A Fairfax personal injury lawyer at BenGlassLaw can help review your case, gather the necessary evidence, and fight for the benefits you deserve.
For a free legal consultation call (703) 591-9829
What to Do If Your Liberty Mutual Claim Is Denied
Receiving a denial from Liberty Mutual can feel discouraging, but acting quickly and strategically is critical to protecting your long-term disability benefits.
Knowing the steps to take immediately after a denial can improve your chances of a successful appeal and ensure no deadlines are missed. Make sure you:
- Review the denial letter carefully: Understand the specific reasons Liberty Mutual gave for denying your claim and note any deadlines for appeal.
- Gather all medical records: Collect complete documentation from your treating physicians, including updated notes, test results, and specialist reports that support your disability.
- Consult an experienced LTD attorney: BenGlassLaw will evaluate your case, identify weaknesses, and develop a legal strategy tailored to your situation.
- Request any missing information from the insurer: Ensure you have copies of all documents, medical reviews, and communications Liberty Mutual relied on to make their decision.
- Prepare a comprehensive appeal: Work with your Liberty Mutual insurance denied long-term disability claims attorney to submit a well-documented appeal that addresses the insurer’s reasons for denial and strengthens your case with medical and vocational evidence.
- Consider your litigation options: If the appeal is unsuccessful, an experienced attorney can advise on pursuing a federal ERISA lawsuit without increasing your contingency fee.
How We Investigate Liberty Mutual’s Denial
A strong LTD appeal starts with understanding exactly what went wrong. We review Liberty Mutual’s denial letter line by line, examining the insurer’s medical opinions, vocational assessments, missing records, and references to your policy language.
We also analyze whether Liberty Mutual failed to follow ERISA’s procedural rules, such as giving you proper notice, providing a “full and fair review,” or disclosing all documents used to make the decision.
From there, we build the medical and vocational proof that Liberty Mutual cannot ignore. This evidence will explain why your disability prevents you from performing the duties of your occupation (or any occupation).
To learn more about how we investigate and challenge denials, get your free consultation today.
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Our Denied Insurance Claims Lawyers Are Always Prepared for Litigation
Even with a strong appeal, Liberty Mutual does not always reverse its decision. That’s why every appeal we prepare is built with an eye toward potential federal litigation. When Liberty Mutual sees a well-documented record from a claimant represented by an experienced LTD lawyer, it often becomes far more reasonable.
At BenGlassLaw, we handle long-term disability cases on a straight contingency fee basis, which is always one-third of any benefits recovered. This means you pay nothing upfront, and our fee does not increase if your case proceeds to litigation.
Whether your claim is resolved during the appeal process or after filing a federal ERISA lawsuit, you can rely on transparent, predictable pricing while our Liberty Mutual insurance denied long-term disability claims lawyers fight for the benefits you deserve.
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Get a Free Consultation 24/7 With Our Liberty Mutual Insurance Denied Long Term Disability Claims Attorneys
Facing a Liberty Mutual long-term disability claim can be frustrating and overwhelming, especially after a denial. At BenGlassLaw, our Liberty Mutual insurance denied long-term disability claims lawyers are here to guide you through every step of the process, from preparing a strong appeal to pursuing litigation if necessary.
We offer free consultations to review your case and explain your options, so you can make informed decisions with confidence.
To learn more about insurance claims, be sure to visit our FAQ page and learn how we can help you protect the benefits you deserve.
Call (703) 591-9829 or complete a Free Case Evaluation form