Liberty Mutual Long-Term Disability Denials
The American Association of Justice ranks Liberty Mutual the 10th worst insurance company in the U.S. for bad faith claims denials, raising premiums, and denying insurance to those who need it the most. If you received a Liberty Mutual long-term disability denial, prepare for a fight. Big insurance companies will often do whatever they can to deny claims.
Insurance companies who deny claims in bad faith run the risk of facing a bad faith lawsuit. This, in turn, damages their credibility in the market place which can hurt profits. However, far too often insurance companies get away with defending tactics that put profits over their policyholders. A long-term disability lawyer at Robinson & Warncke can help you fight against these tactics.
How a Long-Term Disability Lawyer Can Help
With many of the companies that lead the way in consumer complaints, you have a policy in place where the idea is to deny a claim, delay payments, and defend the denial. This makes the process as difficult as possible on policyholders. As a result, Liberty Mutual is now facing numerous lawsuits. And some of the plaintiffs are actually their own vendors. In some cases, they refused to renew contracts in vulnerable areas like Louisiana and Florida which are hit hardest by hurricanes, and coastal regions along the Northeast.
What does this mean for you? If you’ve received a denial letter in the mail or you’re planning to file a claim on your Liberty Mutual policy, you are likely in for a drawn-out process. The most likely sequence of events will include the insurance company:
- Repeatedly asking for more information, and then
- Denying the claim due to lack of information.
Meanwhile, they never gave you clear guidelines on what kind of information they required to satisfy the policy.
A long-term disability attorney will ensure the process goes as efficiently as possible. We will review the terms of your policy and get all the information we need to satisfy those terms. And we will also ensure that claims manager can’t say that they never received the information.
An experienced attorney can also help you file an appeal. To learn more about appeals, read our article Should I Handle My Own Appeal?
Contact Robinson & Warncke Today
At Robinson & Warncke, we specialize in long-term disability claims and have years of experience litigating against companies like Liberty Mutual who fail to provide their policyholders with the coverage they’re owed by contract. If you’re applying for LTD benefits, we can help manage your claim. We will comb through every line of the policy and ensure that your file is as complete as possible.
We have knowledge of the regulatory environment in which these companies operate and understand how even unimpeachable claims can be denied. These companies are counting on you not fighting back. If this saves them on even one policy, then their tactics have paid off. Don’t let that policy be yours.