If you are a Fairfax County then, as part of your benefit package you have short and long term disability coverage. Liberty Mutual manages both of these claims.
Here’s what you need to know (based on our experience representing many Fairfax County teachers, and others, against Liberty Mutual):
- Liberty tends to be sloppy in handling the forms you send in. They will often force a teacher to send in the same forms over and over repeatedly.
- Liberty will try to enforce its deadlines very tightly. If your benefits are denied, you can appeal, but Liberty tends to want to close files quickly.
- Liberty will contact your doctors to get records but sometimes fails to send the medical authorization you signed. Then, if they don’t get the records, they deny the claim
- Liberty won’t tell that the reason they didn’t get the records on time is that they failed to send the right documents to the doctor
- Liberty will try to dissuade you from getting older records, even if you have a chronic condition. Get and submit the records!
- What you can send to Liberty Mutual is not limited to doctor records. If you can get a doctor or even a friend to write a narrative explaining your condition, that can prove to be helpful.
- If a doctor writes “my patient is obviously disabled” Liberty will not approve the claim unless the doctor backs up that statement with good recordkeeping
- Loyalty doesn’t matter. No longer how long you have been employed with FCPS, your clam will be treated the same
- Nothing oral counts. If a claims rep tells you something, confirm it in writing. Mail a letter, don’t just email. (Email just might get “lost.”)
- Use an experienced disability attorney. All the marbles are in Liberty’s corner in these cases.