Liberty Mutual Long-Term Disability Denial

Liberty Mutual has a history of wrongfully denying insurance claims, which can be devastating for those with an injury or illness that prevents them from working. At Sokolove Law, we can help victims of Liberty Mutual bad faith practices appeal a denied claim and get the benefits they deserve.

If Liberty Mutual denied your long-term disability claim, call us at (800) 995-1212 now for a free legal case review. We’ll fight hard to get you everything you’re entitled to.

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Liberty Mutual Disability Insurance & Denied Claims

Insurance companies like Liberty Mutual have one goal: to create wealth for their executives and investors. This wealth may be generated at the expense of policyholders through unfair claim denials, as long-term disability (LTD) insurance denials provide a clear path to increased profits

Insurance companies have a legal duty to their policyholders to act in good faith and fair dealing. If Liberty Mutual denies a legitimate claim, they may be acting in bad faith.

Unfair disability insurance claim denial is one way Liberty Mutual may fail to meet its duty as an insurer, which has already resulted in countless lawsuits across the country.

When Liberty Mutual denies claims, it can be devastating to a person’s financial stability and may result in an immediate loss of income, savings, home, and more.

There are options to fight back against a denied disability claim. We may be able to help you appeal the denial and secure any benefits you may be owed.

Don't Take No for an Answer

We’ve recovered over $129 Million for clients with denied disability claims. Let us get you the money you deserve.

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What Can I Do If Liberty Mutual Denied My Claim?

Every state has laws banning bad faith insurance practices. However, large insurance companies like Liberty Mutual have resources at their disposal that can make filing a successful appeal difficult.

If your Liberty Mutual claim was denied, please know: You do have legal rights and may still have options to secure the compensation you need.

Depending on your Liberty Mutual long-term disability policy, you may be able to work with long-term disability denial attorneys to:

  • File a Liberty Mutual disability appeal over your denied LTD claim
  • Request a second appeal if your initial appeal was denied
  • Submit a Liberty Mutual complaint with your state’s Insurance Department
  • File a Liberty Mutual disability lawsuit
  • Negotiate a Liberty Mutual bad faith settlement if possible
  • Take your case to court in some instances

Call (800) 995-1212 now or fill out our contact form to learn more about your legal options and see if we can help with your case.

“Through all the ups and downs, Sokolove Law stood by my side. They guided me through the legal process, explaining everything in a way that made sense to me. With their expertise, I felt like I had a fighting chance.”
– Massachusetts Mechanic & Firm Client

Liberty Mutual Appeal Process: How to Fight a Denied Claim

The Liberty Mutual appeals process can be difficult to navigate on your own, as insurance companies may purposefully make the process confusing in hopes that you’ll give up on your claim.

At Sokolove Law, our team will work to make the appeals process as stress-free as possible, so you can focus on your health and loved ones.

Insurance providers will look for any reason to deny your long-term disability claim, but our attorneys know their tactics and can build a strong appeal that withstands their scrutiny.

Our Liberty Mutual long-term disability denial lawyers have the experience and resources needed to appeal the company's decision and fight for compensation on your behalf. We can gather all of the necessary evidence to support your appeal.

There are no upfront costs or hourly fees to work with our Liberty Mutual disability insurance denial lawyers. We only get paid if we’re able to successfully recover compensation for you.

Don't Give Up on Your Benefits

We've helped thousands of clients across the country challenge their insurer's decision and secure the benefits they deserve. Contact us now to get started.

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What Happens After You Appeal a Liberty Mutual Disability Denial

After you appeal your denied Liberty Mutual claim, weeks may go by before you hear anything. You may need to check in with the insurer to make sure your appeal letter was received and ask how the appeal is progressing:

  • If your appeal is denied, you should consider working with a Liberty Mutual disability attorney who may be able to request a second appeal and help strengthen your claim.
  • If your appeal is denied for a second time, it’s important to remember that you may still have options.

After you’ve gone through the appeals process, your legal team may be able to file a lawsuit for Liberty Mutual long-term disability insurance to overturn the denial of your claim.

“Sokolove Law stepped up to the plate, ready to take on the insurance company and hold them accountable for their denial. After a challenging legal battle, Sokolove Law achieved a favorable outcome. I can’t express my gratitude enough.”
– Illinois Truck Driver with a Denied LTD Claim

How to File a Liberty Mutual Bad Faith Lawsuit

A lawyer meets with a client

Depending on the specifics of your long-term disability policy, you’ll likely have to go through the appeals process before you can file a Liberty Mutual bad faith lawsuit over a denied LTD claim.

Insurance companies usually have legal teams who are prepared to spare no expense fighting your case.

By working with Sokolove Law, you can even the playing field and put pressure on your insurance provider to pay you what you’re owed, whether it’s your benefits or Liberty Mutual lawsuit settlements.

If you have a case, our attorneys can handle the appeals process and file a Liberty Mutual lawsuit if necessary — before it’s too late to take action.

Deadlines on Filing a Liberty Mutual Lawsuit

Laws known as statutes of limitations restrict the amount of time you have to take legal action against insurance companies.

Once the deadline passes, you won’t have the opportunity to file a Liberty Mutual disability denial lawsuit ever again.

This makes it incredibly important to contact Sokolove Law as soon as possible after your disability insurance claim is denied by Liberty Mutual.

Our experienced Liberty Mutual disability lawyers can help you understand the deadlines in your state and take action on your behalf before these deadlines pass.

Get Help from Our Experienced Liberty Mutual Disability Claim Lawyers

If your Liberty Mutual long-term disability claim has been denied, you may have options to fight back and pursue your LTD benefits — and Sokolove Law may be able to help.

Over the last 40+ years, our long-term disability appeal attorneys have recovered over $129 Million on behalf of hardworking clients who were wrongfully denied their LTD benefits.

Call (800) 995-1212 now or get a free case evaluation to see if our Liberty Mutual lawyers can help you.

Denied Long-Term Disability Insurance Liberty Mutual FAQs

Does Liberty Mutual deny claims?

Unfortunately, yes. Like other long-term disability insurance providers, Liberty Mutual has been involved in lawsuits regarding their wrongful denial of LTD claims.

If your Liberty Mutual long-term disability claim was denied, our disability denial attorneys may be able to help you appeal their decision. Contact us today to learn more.

Why was my Liberty Mutual long-term disability claim denied?

If your long-term disability benefits were denied, Liberty Mutual may have claimed:

  • You failed to disclose a pre-existing health condition
  • Your medical examinations were insufficient or inadequate
  • There were problems with your paperwork or documentation
  • Your medical condition does not qualify as a “covered” disability
  • Your procedure was elective, not medically necessary

Liberty Mutual claim denial tactics often include alleging a policyholder’s injury doesn’t prevent them from performing all workplace duties.

Even if you met all of the Liberty Mutual long-term disability requirements, it’s possible they still denied your claim — but you do have legal rights and options. 

Call Sokolove Law now at (800) 995-1212 to get a free case review and learn more about your options.

Can I appeal Liberty Mutual denied disability claims?

Yes. If your Liberty Mutual long-term disability claim is denied, you can file an appeal, but insurance companies like Liberty Mutual may look for reasons to not pay your disability benefits.

Any mistake on an appeal could end up costing you in the long run — but experienced Liberty Mutual disability lawyers with Sokolove Law may be able to handle the paperwork and appeals process on your behalf.

Contact us to learn more about your options.

How do I file an appeal with Liberty Mutual?

If Liberty Mutual denied your claim, it is in your best interest to contact a long-term disability denial attorney for help challenging their decision and potentially recovering your benefits.

With experienced legal help on your side, you can focus on your health and recovery, while we focus on the appeals process. Learn more about your legal options today during a free case review.

Can I sue if Liberty Mutual denied my claim?

Potentially, yes. If your Liberty Mutual long-term disability claim has been denied and you’ve gone through the appeals process already, you may be eligible to file a Liberty Mutual disability insurance lawsuit.

An attorney can help you determine if this is possible. Find out if you may be eligible to file a Liberty Mutual lawsuit now by calling (800) 995-1212 or filling out our contact form.

How much does a Liberty Mutual lawyer cost?

At Sokolove Law, our Liberty Mutual LTD attorneys work on a contingency-fee basis, which means there are no upfront or out-of-pocket fees. We only get paid if your case results in compensation.

What are Liberty Mutual insurance bad faith claims?

Bad faith claims against Liberty Mutual long-term disability insurance involve disputes over denied or delayed benefit payments.

In these claims, some policyholders state that Liberty Mutual did not fulfill its obligations or acted dishonestly or unfairly when handling their long-term insurance claims.

Are Liberty Mutual disability claims difficult?

Unfortunately, many Liberty Mutual policyholders have found the company difficult to deal with.

Liberty Mutual has been accused of:

  • Delaying claims needlessly
  • Making unnecessary requests for information
  • Further complicating the claims process

If Liberty Mutual denied your claim, call Sokolove Law now at (800) 995-1212 for help fighting back.

How much does Liberty Mutual pay for long-term disability?

Employees enrolled in Liberty Mutual’s long-term disability benefits can choose between a few plans that will pay either 40%, 50%, or 60% of their monthly income. 

How long does it take Liberty Mutual to process a claim?

Under the Employee Retirement Income Security Act of 1947 (ERISA), Liberty Mutual has 45 days to review and respond to your initial claim. However, the company may request a 30-day extension to review your claim if they ask you to send additional information.

Between multiple requests for more information and additional extensions, the entire process could continue for up to 6 months. 

In some cases, insurance companies like Liberty Mutual may purposefully delay claims, as you can't appeal without an official denial letter.

If you believe Liberty Mutual is using delay tactics with your claim, consider contacting an attorney as soon as possible.

How long does Liberty Mutual long-term disability last?

The duration of Liberty Mutual long-term disability benefits depends on how long your medical condition prevents you from working. However, most long-term disability plans pay benefits until age 65. 

If Liberty Mutual wrongfully denied or terminated your long-term disability benefits, get a free case review now to learn about your legal options.

  1. Liberty Mutual. “Benefits.” Retrieved from: Accessed on September 27, 2023.