Liberty Mutual - Disability

Refuses to cover medicines - I got hurt in 1979, left case open since 2009. I've been on water pills because the medicines I take for my back, causes edema in my legs and feet. Well, about 2 weeks ago, I was telling the adjuster the legs were doing better. Without calling my doctor, she cancels my water pills. This doctor I've seen once and he has never seen my records. Well, my feet and legs swelled up again and now this new doctor says that the medicines are not causing problems. I have checked the drug site eHealthMe and 90% of what I take causes edema.

My doctor provided documentation about my condition several times. I received payments for under 2 months, and then they suddenly stopped. I had surgery, and the doctor provided documentation that I was unable to work. As a result, I am forced to go back to work, and I may injure my self further. Without payment for so long a time, I am struggling and behind in child support and all financial responsibilities. I want to work as soon as physically able. It is not my style to take advantage of the system unnecessarily. Please contact me ASAP. I do not have the funds for an attorney. Thank you.

I filed a disability claim with BJ's Wholesale on 3/5/12. I had the doctor fill out all papers, filled out my section, and turned the papers into my workplace. Today, 4/10/12, I received a letter from BJ's Wholesale with Liberty Mutual requesting "their medical papers" to be completed. No one has sent my papers to the State of NJ Division for Temporary Disability. I have no money and need to pay my bills. Is this even legal?

I recently came home and found my spouse at the bottom of the stairs, dead, with a broken neck. The state police were informed, and had to investigate to rule out foul play. In addition, I have multiple sclerosis, which flares when under stress. I have seen my family physician, who increased both sleeping medication, and anti-depressant medicines. I also saw my neurologist, who suggested I speak with someone, so I started seeing a psychologist.

I was off work from December 16th, 2011-January 11th, 2012, which was an approved Short Term Disability (STD). I then went back to the doctor, and based on my state of mind, he extended the leave for two more weeks. On January 25th, I returned to the doctor, who released me to work 1/2 a day, until Feb. 6th. As of today, February 2nd, my short term disability claim has not been approved from January 12th (2 weeks), nor the 1/2 day of work (since 1/26). Since Liberty Mutual STD has not approved my claim, this has only added to the stress and my state of mind, not to mention the physical implications. Can I sue them for undue stress? This is ridiculous! What is a person supposed to do when a doctor says you are not well enough to work, but the insurance company says you are! Liberty Mutual also wants my psychologist's reports. Is nothing confidential anymore?

I went on vacation on December 15, 2011. On December 19, 2011, I went to a local ER for pain in my right side abdomen. It was my appendix. I had emergency surgery on December 20th, to remove it. At that point, I also had a heart issue. They found out after my surgery, which complicated my procedure. I had to stay in the hospital for 3 days, before I could go home to recover. On January 19th, I called to check on my claim. I was told that it was closed on January 15th, and I did not need the six weeks minimum required by my doctor to recover.

The claims person said their panel of people said that 4 weeks was enough to stop/close my claim. Today, January 23rd, I am still appealing, and fighting to get my pay from January 15th, until I go back to work on Jan 30th. My doctor will not allow me to return, or release me to return, and the claims department says it's not their problem, and asked me to file an appeal for review. Again, I have filed an appeal. I just don't think it should be my place to have to fight for what I pay for, to cover me in first place. This is hard, when I have to pull money out of my savings, to cover my bills, and care for my family. It's unacceptable! Someday, you may be in my shoes, and you will understand how it feels. I am angry and dissatisfied, but I'm still fighting.

On October 23rd, I was 33 weeks pregnant, and while at work, I started to go into labor. I was rushed to the hospital and they were able to stop my contractions. But they weren't able to stabilize my blood pressure, so I was put on strict bed rest. On November 9th, I gave birth 5 weeks early because of hypertension. I had to see my OB several times after my delivery because my gestation hypertension still wasn't under control.

On December 1st, my claims agent, Veronica **, called me and said since you had a vaginal birth, you have six weeks to return to work. I stated I was still under the care of my doctor and my doctor doesn't want me back until 1/2. She stated that that was not her concern, she only cared if it was a vaginal or C-section. I asked for her supervisor and she said the same. I got nowhere speaking to them. What I got was from her supervisor, Doreen, that she apologizes for the right questions not being asked to my doctor, and she'd speak to Veronica. Well, that did nothing. And now even submitting letters from my doctors, they are trying to say that letters are no good. They tried blaming my doctors for never sending over my file, but they never called to request the file. I believe my doctor's office is way before liberty mutual.

I have been working as the registered nurse since 1999 at a major hospital in Albany New York when I had a stroke in July of 2011. The stroke affected my speech, dominant hand, walking and memory. Liberty Mutual had been pushing me to get back to work. They stopped my short term claim December 13th, 2011 and would not give me an answer to my long disability claim. I called my case worker whom assured me that she would get back to me at the end of that day with an answer if not that day definitely by the end of the next day. I called to discover at the end of that day she wouldn't be back until after the holidays. She had no intentions on getting back to me. I left a message for her supervisor to call me instead her. My job has been discriminating against my disability, trying to prevent from coming back to work with reasonable accommodations. Liberty Mutual stopped my payments from short term disability and where very reluctant to give me an answer for long term in a reasonable time frame.

I opened a claim of short term disability, with a start date of October 1, 2011, whereas I was diagnosed as being constricted, with adjustment disorder with depressed mood- primary, and post traumatic stress disorder, diagnosed by my psychiatrist, psychologist and neurologist. My claim was denied even after my doctor wrote a handwritten narrative of my conditions, requested by liberty mutual. I left messages for supervisors Patrick ** and Julie **, to no avail. I received no call back. I finally received a callback from a Joanne ** to complain about the false statements on my medical denial. Miss ** would not listen to the validity of my arguments. I then asked for her supervisor's contact info, and she said she was not at liberty to give me such information, even after I informed her this is public knowledge. My claim was unjustly, and falsely denied, and I deserve to have this matter investigated and reprimanded.

I am a 41-year-old adjuster. My job description is a field claims adjuster. This requires me to drive from customer to customer to assess collision damage. I am required to spend 6 1/2 to 7 hrs. a day sitting in my car processing paperwork. Over time, the driver's seat cushion broke down and my posture became compromised. I started to get lower back pains at first. Then, it evolved into my back cramping causing my upper back muscles to pull on my neck. This resulted in pounding headaches. Over a period of time, the pain relievers were not working. I was in constant pain.

I went out on Workmans Comp claiming my back, headaches, and stress. I did not have any prior injuries. I had short term disability insurance from Liberty Mutual. They denied my claim because I did not submit my documents on time, within "30-day period". I appealed the decision. Bonnie stated there is not enough evidence from my doctor's notes to support that my back and headaches prevent me from performing my job. My company will not make 'any' accommodations for me. They refused to change my broken car seat. Workmans Comp denied my claim based on their doctor's 'visual' inspection of me. I am currently going through the QME process. I need help.

I suffered a TBI in 2009. I had several doctors diagnose me with TBI and yet Liberty Mutual denied paying for my pain medication and therapy, and I was forced to hire an attorney to get the treatment needed for me to recover. My attorney set up hearings to get my medications paid by them and on the day before the hearing, they would pay. Liberty Mutual delayed and denied the treatment that has made my recovery impossible. I was suffering from disabled visual disorders, horrible headaches, cognitive problems, fatigue, and depression.

What started out to be a simple doctor's appointment turned out to be a nightmare. I went to a doctor in September 2010 for shoulder pain. I was off 2 weeks, no problems. After a waiting period, Liberty paid me. I had to get a physical to go back to work. I found out that I had diabetes. My sugar was extremely high, and with no family history or signs, the doctor wanted me to take another time off to get this under control. Let me mention that I drive a semi-truck for a living. No problem with my company as they were and have been understanding in all this.

Liberty denied claim stating that diabetes was not a disability or that it should keep me from working. Okay, I took another week trying to get it under control, enough to try and work, which I did for approximately 4 days. Long story short, I ended up in the hospital for 5 days in which I have no memory of. Now the doctors are trying to figure out what happened, no one knows. After a number of tests were run, certain things were ruled out, still no answers. Liberty was notified and wants to apply the waiting period again. I got that straightened out.

They paid me for hospital, period. The doctors were still trying to figure out what happened. My original back to work date had been November 2. At the end of October, Liberty was notified that the date had been changed to December 3. The doctors were not sure what had happened and didn't want to take a chance on me driving and "blacking" out again. This makes sense to me and my work, but not so liberty.

As of today, December 1, they have denied my claim for November. The doctors originally thought I may have suffered a nervous breakdown. Nope, this was not what happened. Still, no answers, but Liberty still doesn't care that there's more to this story. But the bottom line is the doctors put me off work because of the nature of the hospitalization and the type of work I do. Liberty's "medical staff" said it's not justified. My thoughts are if I pay for disability insurance and I can't work for whatever reason (whether it's physical or mental), then this is a disability, especially when I do everything the doctors have said, and my company is agreeing with the doctors. Liberty's answer is get back to work so we don't have to pay you irregardless of possible consequences.

In 2010, I claimed short term disability due to multiple sleep issues and severe migraines. The process started out fine. I was already seeing doctors for my migraine and sleep issues before starting the STD claim.

I received notification that my claim had been denied due to the fact that my job was not physical so my issues should be able to be overcome to work. I submitted multiple doctors notes as well as letter from managers and supervisors supporting my issues and my inability to work. My claim still went to the appeals division where it has been for a month now. Not only has my case manager not returned my calls, but a supervisor told me I needed to wait on here. I've left several voice mails still nothing. I have been forced to move back in with my mother due to no money being payed to me, not even enough to eat on my own.

On Wednesday, June 16, 2010, I had an abdominal Mymectomy performed to remove multiple fibroid tumors. I was released from Mountainside Hospital on Friday, June 18, 2010. I was instructed by the physician who completed the surgery that my recovery time was to be between 6-8 weeks. I completed the necessary paperwork as instructed by the Human Resources Department at Comcast Cable and received written approval from Liberty Mutual for short term leave from 6-11-10 to 8-11-10. I was also approved for 360 hours of FMLA.

Prior to my surgery, I received a telephone call from assigned case Manager, Catherine *** (Dover, NH office) advising that my benefits would begin on 6-23-10. On July 9, 2010, I completed a post-surgical medical appointment. On July 12, 2010, I received a telephone call from Ms. ***. I confirmed that the doctors appointment was kept on July 9, 2010. Ms. *** advised that she would be contacting my doctor's office for the operative report. I advised that I would call the doctors office immediately to inform them of the required information. On July 23, 2010, I received a letter (dated July 12, 2010) stating Ms. *** contacted the doctors office and was unable to verify any information. I called Ms. *** and left a message. I received no return call. I contacted the doctor again. I was advised a restrictions form was sent as well as the operative report. The administrator at the doctors office stated she would send the information again.

On July 26, 2010, I called Ms. *** again and received an out-of-office message advising she would not return until August 2, 2010 (one week later). Following the specific instructions left on Ms. *** voice mail, I dialed 0 to be connected to another case Manager. A case manager named Heidi answered and helped me tremendously (unfortunately, this was 14 days after the original telephone call I received from Ms. ***). Heidi verified receipt of the paperwork from my doctor. Heidi provided the time frame of 7-10 business days required to review the documents. I waited the time frame given.

On August 12, 2010, I received a letter (dated August 6, 2010) denying benefits past July 9, 2010 (three weeks after being operated on!) I contacted Liberty Mutual again. I left Ms. *** yet another voice mail message. I received no return call. I called back and spoke with Erica. Erica was not helpful, only advising that Liberty Mutual's medical staff was still evaluating my paperwork. I explained that the 7-10 day time frame had passed and my finances have been negatively affected by this decision. Erica remained silent. There was no empathy expressed on behalf of your company representative.

On August 16, 2010, I was released by my doctor to return to work. While at work, I contacted Liberty Mutual again and spoke with Heidi (again). Once again, Heidi was very helpful. Heidi and I spoke in length about my case. Heidi advised that Liberty Mutual was unaware of the specifics surrounding my surgical procedure which included a severe headache, terrible gas, dizziness, tenderness and numbness above and below the incision site and that I had been prescribed the pain medication Percocet. Heidi explained that because Liberty Mutual has no record of this information, it had been determined that I had this miraculous surgery with zero complications and was able to return to work. Heidi went on to explain that if I contacted my doctor and asked her to forward a letter including the symptoms I was experiencing she would ensure that this information was sent to your medical department for review. The last thing Heidi stated was that Liberty Mutual lists the recovery time of an abdominal Mymectomy as four weeks. Even if this is accurate, my benefits ended after 13 days? This is contradictory.

On August 24, 2010, my doctors office administrator contacted me and verified that a letter had been faxed to your company. On August 27, 2010, I received a telephone call from Catherine ***. Ms. *** verified that the letter had been received. To my surprise, Ms. *** stated that I needed to approve the paperwork that was faxed by the doctors office before Liberty Mutual will begin the appeal. I find this a bit odd since I am not a medical professional and I do not work at Liberty Mutual. How do I know if the letter from Doctor Peace is sufficient for Liberty Mutual to overturn Liberty Mutual's decision? This does not even make logical sense. Here is a direct quote from Liberty Mutual's website:

"If your claim is approved, your case manager will work with you on a recovery plan and return to work goals, as appropriate. Sometimes we may need to contact your doctor to better understand your condition and potential for recovery. We also have a team of dedicated medical and vocational staff that may assist with review and rehabilitation efforts for your claim. Liberty Mutual's case manager (Catherine ***) assigned to my claim does not return phone calls. Liberty Mutual's case manager (Catherine ***) assigned to my claim has not worked with me during my leave.

This entire ordeal has been unreal. The only time I heard from Ms. *** is when she contacted me regarding my post-surgical appointment and today. I made myself available at all times while I was recovering. Ms. *** was never available when I called and she never returned any of my phone calls/messages. Liberty Mutuals dedicated medical staff, according to the letter I received, was a Disability Nurse Case Manager. I find it very difficult to believe that a Nurse can over-ride a Physicians instructions."

I have worked for Comcast for 13 years and have never needed to utilize our company's short-term disability benefits. I get sick, require a medical procedure and hospital stay and have to prove to Liberty Mutual's medical expert that I was temporarily disabled and unable to perform my duties at Comcast between 6-11-10 and 8-11-10. Today, Monday, August 30, 2010 I once again contacted my doctor reported to her office to review the papers/documents that were sent to Liberty Mutual.

Ms. *** has advised that my appeal will not begin. When I do review the letter/documents and contact Liberty Mutual with the resolution what happens next? What if, once the letter/documents are received by Liberty Mutual and Liberty Mutual's medical experts still decide they require more information? Then my appeal is denied and you close the books on me? How is this fair to someone who did nothing wrong except get sick? What a way to run a business.

On May 10, 2010, I went into Salem Hospital emergency room for severe abdominal pain and was later admitted in the hospital. After another test was performed, it was determined that surgery was needed because I had an acute gallbladder condition and the surgery was done 5/12/10. On May 13th, I notified Liberty Mutual that I was in the hospital and would be not be able to work until a doctor released me from his care. After I returned home, I was again contacted by Liberty Mutual on May 14th, Mr. M wanted to know when my next doctors appointment would be and I explained to him at that time that I did not have an appointment just coming out of the hospital and that the doctor wanted me to call and make an appointment in 2-3 weeks, and said that he needed me to make an appointment as soon as possible.

I called the doctors office the following week and made the follow-up appointment for June 3rd and notified Mr. M who said that my short term disability claim would be approved until June 3, 2010. I went to my appointment on June 3rd and saw the doctor, at this time I was still have a lot of pain and still had difficulty walking, could not stand long periods of time, bending was difficult. He looked at my incisions and said that they are healing nicely, but were not completely healed. The doctor prescribed more pain medication to me at that time and told me that I should be able to return to work on June 21, 2010.

Abut a week and half later, the follow-up notes and all records were sent to Steve **, who said that the Clinical Nurse would have to review them. after 7 days, Mr. M contacted me saying that my claim was denied because the nurse determined that I could have returned to work on June 4th. He said that after my doctors visit there did not seem to be any restrictions present that would have prevented me from returning to work. I returned to work on June 21, 2010.

Because of the actions of Liberty Mutual, who has failed to make any payments to me since June 2, 2010 to this date has been devastating to my household. I cannot make payments on any of my household or utility bills. My car insurance will be discontinued because of nonpayment. I can't buy groceries. I have lost my daycare services because I could not pay them.

This is truly one for the record; I had gone on long term disability with liberty mutual paying me once a month. I was instructed by them that it was a requirement to immediately file for social security which of course if you are approved would reduce their benefit to me by the social security amount I would receive was subsequently approved by social security.

Liberty mutual paid my benefit for 24 months and not once requested I be seen by one of their doctors. While disabled my son suffered a traumatic Brain Injury and I subsequently seeking professional counseling to cope with what had happened to my son. After 24 months I received a letter from the trusted Liberty Mutual that I was no longer covered and my payments ceased at that point. My counselor and primary doctor both challenged their position in writing stating I could no longer work.

Despite the above protest from my doctors liberty mutual maintained their position and refused to reinstate my benefit. Learning of their decision I immediately called the adjuster Heather C to appeal their decision however I was hospitalized and required immediate colon surgery for abscesses which had ruptured and was put on a colostomy bag.

While hospitalized I was arguing with Mrs. Heather from my hospital bed telling her how can you possibly not reinstate my benefit telling her I was again hospitalized. Unfortunately for me Mrs. Heather would not reinstate my benefit. The bottom line you are probably in better hands with all state. I get disgusted every time I see the liberty mutual TV commercial about responsibility what is your policy. Stay healthy if you are insured with this cheap company.

This is as much a curiosity as a complaint. I suffered an uptake of toxic fumes, along with another mental issue, eventually leading to my employer Medical Examiner. My analytical and mental math capabilities were seriously impacted. From the findings of my employer's medical examiner's single test data, this was justification for a disability claim. I had two supporters of the disability, my employer disability and Liberty Mutual Disability. After about a year on the long term disability part of Liberty Mutual, they sent me to a new medical examiner who sided with the insurance company. I appealed and again the new medical examiner sided with the insurance company (however, there was a disparity in the testing that I should have brought to the examiner's attention).

My question is: How much were the new medical examiners paid to remove me from disability versus how much would they have paid me until I retired one year from the first new medical examiners report? I think they may have even saved money paying me until I retired instead of paying for the new medical examinations. This was several years ago and is not applicable to any new action on Liberty Mutual Disability. My analytical skills have improved, which is a credit to hard work, not medicine. The monetary loss was for one year's worth of disability payments from Liberty Mutual Disability.

This is concerning Colorado work comp case 4-764-343. On July 2008, I was inured on the job. I thought as all insurance companies I would be treated and sent back to work. This was not the case. I was forced to retain an attorney just to get them to answer my claim. The following is what has happened to me since that time:

I injured my neck two discs were bulging in my neck and went to company doctor who ruled it was from 15 years of driving truck and needed to be fixed and he put me on strict work restrictions in which the company I drove for, Voyager Express, refused to follow and for six months after, I was forced to live in a 6x8 camper on their site and was told just because I didn't live in the same state didn't mean they were responsible to provide a hotel and would not send me home to recover the light duty was against the doctor's orders.

When I tried to contact Liberty Mutual about the claim, I was told they were not responsible for this either. This went on for a log time because Liberty refused to provide care and I was not able to receive the treatment in a timely manner. I was terminated from my job after being there for seven years on July 15th 2009 with no way to apply for another job because I have an open work comp case so other employers won't take the risk. My attorney has tried numerous times to contact the attorney for them, Mr. David K., and he will not do anything. Both Liberty and their attorney have ignored court orders to give me the treatment I need.

Every time I seem to move ahead, Liberty changes my adjuster and the process starts all over again. This company's CEOs will sit there, eating their steak and lobster not worrying about anything because they have the money to sit and wait and let a man die just so they don't need to pay a simple claim. I have gone to a division of work comp doctor on June 2nd 2009 who has ruled I do have a permanent disability and received a rating but again Liberty has ignored even that. It has taken me since that time and another day in court to get Liberty to send me to another doctor on March 3rd 2010 for treatment and was told I need injections in my neck.

Now Liberty is taking their time and won't authorize the treatment she has prescribed. The new adjuster I have now refuses to even return her calls and I'm at a stand still because of the pain I'm in. I have been to emergency rooms just so I can receive treatment and to try to control the pain. Liberty Mutual has not recognized any work comp laws and will not even give me the temporary total disability checks. I need to live on while going through this. I was forced to come back to Colorado for treatment because no doctors in the state I live in will accept payments from Liberty Mutual and without a job, it's hard to pay for a long term hotel. They have forced me to sell everything I own just to eat and have this room. Do they care? No. They do not care about their clients, just the money.

I will never deal with this company for any of my insurance needs (Home Auto Rental) nor will I every work for a company that has them for an insurance carrier. They are dishonest crooks. I am looking into bankruptcy. I have sold everything I own to have a few pennies to live on. My credit has been trashed because of doctor /ER visits I can't pay for. I have lost a career I really loved for the last 15 years. I'm in severe pain 24/7 because I can't get pain meds. No other doctor will treat me for the pain because it's an open work comp case.

I was out of work due to a severe case of gastritis. At that point, my stomach lining was inflamed and, from what I was told, has thinned out. I couldn't hold down food and on top of that, I suffer from high blood pressure. My job was in a call center for a big company and my doctor told me that I cannot be exposed to stress and that I couldn't return to work until X day.

I got the notes, receipts and everything else for the multiple doctor visits and in order to keep my job, I filed for a short-term disability claim. That was in November of 2009. My doctor said it should go through and so did everyone else considering I was ordered not to return to work. In February, I found out that my short-term claim did not get approved and then very soon after, I was terminated from my job.

I have become a victim of bad faith dealings that has caused consequential damages. 1.) Ruining health and well being. 2.) Hurt my financial future. 3.) Damaged my work history. 4.) Damaged my credit history. 5.) Damage to my doctor and patient relationships. Liberty Mutual on my workers' compensation claim dated 3-10-2009 ** has cost me the loss of my 35-year career with Oncor Electric Delivery. Gina B. has lied, manipulated, instill fear and anger and has controlled needed medical attention by denying and investigating all three of my on-the-job injury claims. On my 3-10-2009 claim, all I needed was to have the injections or have the surgery.

This claim has gone on since 3-10-2009 and as of today my need for surgery that has been requested by Dr. O. for months has once again been delayed because Gina B. has set up an MMI for 1-19-2010. I truly believe that Gina B. has conspired with my employer to cause me to be separated from my job because of my workers' comp. claims and cost. Mrs. B.'s delays, denials and investigations is what stopped me from going back to work in a timely manner; this allowed Oncor supervisors to say that if I was not able to do my regular work, this legally gives them the right to separate me from the company and my job. This did happen on 9-30-2009.

I have also had issues with Mrs. B. on two other workers' compensation claims. I was sent to a doctor on with claim number ** and injury date 8-15-2007. This was a serious right knee injury. I had fallen at work and scraped my right knee. I ended up with MRSA STAPH infection that caused the surgeon to remove my right knee cap during surgery. The doctor that I was sent to by Liberty Mutual lied and caused more pain to my right knee during the MMI. I ended up with a "zero" impairment rating and I am still on medication for this injury. My right knee will never be the same.

My knee and my back injuries have caused big problems as of today. I am no longer able to walk and jog as I was before and my on the job injuries. I have gained over 25 lbs. in the last six months. One of the largest problems with my claim along with the health issues has been my personal credit history. Gina B. and Liberty Mutual did not pay the bills that had been sent to me on this knee injury. I would mail the bills to Gina B. and ask her to please pay bill and let the bill senders know that this was a workers' compensation injury and all bill should be sent to Liberty Mutual Insurance, the carrier for ONCOR.

Mrs. B. failed to do her job and my credit was damaged. We tried to buy a home in the last months of 2008 and this is when I discover that 40 derogatory public record or collections had been filed on my accounts. I did not qualify for the express path discount program. Gina B.'s failure to do her job cost me and my wife to miss out on a great investment. The DCAD-2008 tax market value of the home that we had found was $454,970. The price to buy was $230,000. I had a good score until the 40 collections were filed. I worked with Experian to get my score up from the 660 score to a 767.

I was told that once I clean-up my score with one of the three bureaus, it will change on all three. Experian sent me my score as of February 2009 and it showed that I had the 767. We just found another good buy and had the mortgage company to run our credit. The report was done on 12-30-2009. My score with Experian was 779. The 40 derogatory collections are still showing on Trans-Union and have once again hurt my credit with a 665. I would not have this issue or problem today or in the future if Gina B. had done her job.

I did see Dr. D. on 12-14-2009 at 9:40 AM. The doctor created a seven-page report. I am already being lied to by Mrs. L.; she told me on 1-4-2010 that she would fax me a change of doctors' form. This did not happen and she has not called me back. I had been seeing a doctor by the name of Stephen O., a well known back doctor. Dr. O. informed me that surgery would fix my back; this was on one of my first office visits around 1-23-2009. I told him that I did not want to do surgery and I would like to try his second form of treatment. The other option was direct injections in my spine. He explained that he could see from my exam (MRI lumbar spine report) that I have some issues with L3-L4 and L4-L5 and L5-S1.

Dr. O. mentioned there is facet arthropathy; there is broad based protruding disc material; there is asymmetric disc bulging; and a number of other issues about my back that did not sound so good. I at that time started to understand the reason for my back pains and ongoing problems. The injections were the best thing to happen to my back in years. My last back injection was 8-5-2009. I requested more back injections and now Gina B. has ruined my relationship with Dr. O. and they expect me to go to Care-Now. I guess I will need to hire an attorney on my back injury. I have found out that I should not have to endure the pain as I have off and on for years. I do not want to have surgery and with the injections I am able to go three to six month without the need of pills or anything. The pills for back pains cause me problems when added to my everyday medications. This has caused issues on my job.

Liberty Mutual workers' compensation claims adjuster Gina B. has caused me to become a victim of a bad faith that has caused consequential damages. The actions of Gina have delayed needed medical care in a timely manner. The deceptive practice of Gina has caused damage to my financial future. The intentional delays and denials by Gina have damaged my work history. The malicious and intentional delays on paying medical bills for work comp claims by Mrs. B. damaged my credit history and as of today have not been solved.

The delays and denials and investigations and deceptive practice of Gina have caused problems in my doctor and patient relationships. The largest damage will be my loss of wages and all benefits, including a yearly wage of $75 to $80-K.The loss of my 401-K company match. The loss of insurance coverage and the 3.7 to 4.5 % or more raise weeks after I was separated on 9-30-2009. The loss of future wages. All punitive damages that apply to actions listed. I need to be paid for all the law allows. I have become a victim of bad faith dealings that has caused consequential damages. My job and life has been changed in a very negative way due to Gina B. and Oncor.

I need medical attention for all four workers' compensation claims for injuries and illnesses that took place while I worked for TP&L, TU ELECTRIC, TXU, ONCOR/EFH. And Liberty Mutual is listed as the workers' compensation carrier for three of the claims. I need life-time medical and a fair impairment rating for all my work-related illnesses and injuries. I need punitive damages and attorney's fees if I have to hire or pay an attorney. I need justice for all the pain and suffering that has been inflicted on me from the bad faith of Liberty Mutual via Gina B.

I was injured coming back from a work meeting in 2002.My back,neck and rotator cuff was injured.I went through several workers and doctors.Finally in 2006 the doctor told me I needed a rotator cuff surgery.I was out from work for 4 months.The doctor told me either I get the surgery or loose my arm.So after the surgery I was in a lot of pain and went through lot of therapy.I was still not feeling good enough to go back to work.But I was told if I don't go back I will loose my job am=nd my position.

So I went back not even 2 months back I was robbed at a gun point,was forced down to the floor,they had us crawl put our shirts over our head. I called my boss right after we got robbed and his answer was call the cops get the case no and come back to work tomorrow morning.I was in shock.Was depressed,in pain and had anxiety.I told my personal physican all this and she put me on anti depression and anxiety medication.All this time I was going to work and after I got robbed with a gun point I was affraid to go to work.

I called my Libert Mutual worker all the time and I told him what was going on. It seemed he didn't care. Well noone had told me to file a claim for when I got robbed. I got the paper work for the first case to go infront of the judge. The judge found out that I was robbed on a gun point and she told me to file the claim the same day. So I did. Then my worker said okay find the psychitrist.So I had to do his job.

Well I went to the psych.You know what he said to me"life goes on".I have been in pain all this time.I keep calling my worker about what is next he has no clue.When my shoulder doctor prescribes something or treatment utlization reviews denies it.I havebeen taking one week on my own everymonth to rest. This month it got so worse I haven't been to work for 2 weeks and my doctor is out until the middle of november. and my worker says deal with the pain.Panel QME has already declared me peramnent disable on both my cases.It is so difficult for me to work but I have to do it to survive and I had been doing this for so long my body is shutting down. I have anxiety,depression,pain and aches in my right side.I can't go to sleep most of the days.

What is this insurance ci=ompany doing for us and they should have people the understand others pain.I have work restrictions but I still have to go to work and do the best they expect from me and if I don't they will let me go.Is Libert Mutual going to do something then.I don't think so they can't even get any treatment authorized from there utilization review. I was told this is the way I will be for the resy=t of my life so where is my permanent disability?

I was hit/struck in the face by a co-worker. Effect - Loss of weight - 103 at 5"4 height, depression, stress, etc. University doc placed me on leave for three months now. Filed Short term disability with Liberty Mutual. Until now, no decision on their part and they are threating to deny claim. No pay for months now.

After being injured due to no fault of my own, I was unable to work. I was on STD and then LTD. Once I got on LTD my adjuster began harrassing me and my doctors about a return to work date. While I was ill, they would call and ask me a series of questions that they already knew the answers to. They would try to ask me the same question 4 ways to see if i say something different.

The biggest thing is that they called and wrote one of my doctors so much, he became tired of it and changed his opinion stating that I was able to work. Every month they are trying to collect evidence to cut me off of what I am entitled to. They way they are collecting evidence is by trying to trip me up during phone conversations, and flooding my dr's offices with unreasonable request.

When I ask for a copy of my policy, they get really tight lip. I've been waiting for my policy for almost a year. I have additional stress, and depression because at time, i can stop recieving my money which will cause me to lose everything.

i had my left quad tendon and left shoulder injury and had my quad repaired and is still bad and my shoulder was diagnosed as a strain and i was told it would heal so,after released i settled with liberty to include life time medical.i continued to have pain and weakness in my left knee and shoulder.i later went back to the attending doctor and had another mri which showed a torn rotator cuff and broken knee cap and since that time i keep having trouble getting meds and medical attention.liberty has moved the compensation dept out of my state of idaho and the rate for treatment was reduced which reduces me getting medical attention.liberty mutual is delaying my recovery by delaying payments and rx as prescribed by the doctors.i cant tell you how many adjusters i have had but it appears as though when i get something approved i then get yet another adjuster.todate im still not able to get necessary repairs done because liberty is stalling the process.my left knee is in bad shape and so is my left rotator cuff as it has been said that the cap is protruding above the cuff tendon and its very painful

Did the fact they had to pay out rather than take in rankle them?

Liberty Mutual is my short term disability insurer. The proplem is if your Doctor makes a claim the company just denies it to get out of paying. Liberty Mutual is the worst company I have ever delt with.

When I questioned them on how they can tell me that my doctor visits are not related to my original back injury, without ever talking to me or my doctor, they just said they had THEIR doctor look over my file and he decided. So I researched their doctor, Dr. de los Heroes and what I found was astonishing. This quack had his licensed suspended in 3 states and for defrauding medicaid. This is the doctor they got to review my case. What a joke!!!

Liberty Mutual is my husband's company workers comp carrier. My husband was at work on 3/18/09 and was hurt (2 witnesses). He went to the hospital, went to his own doctor and received a script that he was not to return to work until further evaluation. He went to the companys doctor and to this day, he has not received on workers comp check. My husband's company was very disrespectful to him, told him he was not getting paid for the time off because even with a doctor's note, they said he has to call in everyday and say he wasn't going to be there.

So he started calling and than they told him they couldn't talk to him (his supervisor's) that he had to call the main office. We sent an email to the main office and received a very snotty reply stating that he did not have to call in or email, but still has not received a check. As soon as they told him he would not get paid for time off, he had to seek an attorney.

So next month he should be going to court for back wages, attorney fees and court cost is what the attorney wants. My husband had a referral from his doctor to see a pain management doctor and Liberty Mutual denied that. Liberty Mutual needs to read the workers comp laws because they are in big defiance with them and I hope workers comp sees this.

I was awarded continued medical on my neck injury claim. Liberty mutual has come to the conclusion that I only need medical attention when they decide I do. I am suppose to be reimbursed for traveling which they only want to pay when they feel I need it. They are not paying the Doctor on time. They were suppose to pay for rehab but cut that off. They say that Doctor visits are to be pre approved but the pain comes when it wants,not when they want. I thought that continued Medical meant AS NEEDED.

Because of being cut off from rehab the pain can be worst than previous experience. The Doc. is seeing me regardless if he gets paid. Its not right for him not to be paid for all services.

I have received disability check from liberty mutual October 2007. today i was released from my doctor care. when will my disability stop? no im not a 100% recovered from my injuries, cause from a car accident. yes i have applied for government disability.

Will liberty mutual pay me if my doctor admitt im not a 100% able to go back to my present job.

I have been out of work since Dec 2004. I first went on short term disability, then long term. After being out of work for 1 year, Liberty Mutual got a company atty for me. The process of applying for SS began. After 4 years, 4 denials, appeals and a hearing, I got approved in Janary 2009. Now, Liberty Mutual wants me to give them my entire back pay check for over payments. Including my dependant child check I will be getting. Is this fair? Can they legally do that? Make me pay 100 % of my back pay check?

I have been with out insurance for 7 months now. My COBRA insurance ran out in May 2008. I still need additional surgeries. I have a degenerative disc disease. I am financiall drained and the monies from SS back pay would pay my back rent, utilities, etc.

I was denied my LTD benefits because Liberty Mutual decieded that my position could be done....they did not ask how many hours I was working or if I was even trained for the position I was in.They looked at a professional office HR position and decieded it could be done with the restrictions I was given, however I work in a retail setting...not a professional one. I attempted to call to ask about being denied. they called my drs. all on the same day, none were available to talk, so the very next day denied me. I never got a return call. have written info on the statement saying I was denied, that I can make an appeal. how Can I appeal? Getting to a new dr that understands this condition I was DX with is difficult. The drs that helped make the decesion to deny me also are not well informed on this condition.

I have cognitive issues with this condition and my job was constantly morphing. I had a hard time keeping up with the new info and proceedures. Plus, my company made it very difficult if not impossible to report a Hostile work inviroment. Which the more I was affected by this condition and explained what was going on, my immediate supervisor made things harder. My condition was initally dx as Chiari malformation. recently I was also dx with tethered cord and scoliosis. I was also dx with cervical spinal stinosis and DDD. All I want is to collect my LTD that I paid into for 15 yrs and get treatment so I may get back to a job. How is an insurance company able to wait so long to make a determination and without even speaking with myself or my drs? And how can they give a timeframe to appeal when it takes so long to find a dr.

I was seperated from my position as of July 25, 2008 and informed 3.5 weekss later. I have to pay for my medical insurance with no income. I have cancelled dr appointments because of the co-pay. I spent so much last yr and again this yr. anad am considering to stop going to drs because how am I supposed to pay for it? I can't collect unemployment. I do not want to go to SSID, because if I can get to the right drs I feel I should be able to go back to work. I just need someone to work with me.

I have paid my disability premiums since April of 1995. In February of 2000 I was diagnosed with a progressive, incurable illness. I continued working up until May of 2007 when I went out on disability. Liberty Mutual was quick to hire an attorney, that I have to pay for, to assist me with applying for Social Security Disability. I was approved for Social Security as of November 2008 at which time Liberty Mutual promptly cut my benefits by the amount Social Security would pay. Now the problem is that even though I have been approved for Social Security they DO NOT have me set to pay.

When I called Christina and tried to explain this to her she said we can't keep over paying you forever! and you have 30 days from the approval notice to start paying us back the amoumt that has been over paid. I kept trying to explain to her that I had called Social Security and they have me as pended she justr kept talking over me saying I needed to pay them back! When I got upset she told me to call back when I was feeling better! Now I was under the impression when I purchased the disability policy that I was buying protection in the event that I become disabled and they would be paying me up until Social Security took over, then just paying the difference. When i tried to explain to this person that there was a problem, they should have issued me a check for my full benefit. I explained to her that I have no money for medicine, utilities, doctors appt's or even my mortgage I was told to be patient and Social Security would eventually get around to paying me!

I have been in constant contact with Liberty Mutual, The attorney and Social security and every one knows that I am STILL NOT SET TO PAY! I paid for a service and I deserve my full benefit right up until Social security pays me and Liberty Mutual should be paying the attorney that they forced me to use so they could reduce my benefit amount. Instead I was treated rudely by Christina who couldn't issue me my benefit because she didn't want to up date her excel spreadsheet of what I owe them and her only concern is getting their money back.

I sent a written complaint to Liberty Mutuals web site but never received a response. To top things off they say they are going to re-evaluate me to se if they can get out of paying me future benefits.

My bank account has been frosen on several occaisions because I have been over drawn. Late fee's, return check charges, ruining my credit, being unable to get my prescriptions, food or pay doctor visits. Extreme stress, with drawl from medications left me feeling suicidal over the holidays. The extreme stress of having to constantly fight for the money that I deserve has also effected my condition, what little vision I have has been worse. I didn't ask to be disabled, I don't want to sit around at my age feeling worthless like I have no purpose. I shouldn't have to fight so hard to get what I paid for for over twelve years.

I have a file a mile long that would need to be sent in. Denied surgery on a comp cage after approving it and cancelled surgery for shoulder with less than 24 hour notice. The doctor called to cancel the surgery per Greg G. Won't return calls/ won't respond to requests.

Frozen shoulder, waiting for letter of denial of the claim for past week. The shoulder is not fixed.

I have been off on STD since May, I have not received a pay check since July, I was told after my anniversary date that I was entitled to 5 more weeks of short term pay - I was told this numerous times and now they say I am not entitled to it. My Long term disability kicked in, but they said I will not see a check until November, they hassle me everyweek for paperwork which my doctors continue to send and they say they receive but have not reviewed, my last approval was up thru 9/25/08 and yet they have had updates since then so now my employer is telling me i have til November 4th to comply or i suffer the consequences, how can I control Liberty Mutual not doing there job in a timly manner? I continue to be given the run around and the wrong information.

I am being treated for an extreme anxiety disorder and major depression and they just add to my current condition. I am going to loose my home my car, I have NO income and don't qualify for state benefits - how do they expect me to live, continue to pay for my heath insurance, eat go to my doctor appts ect....

I had paid for disability insurance when I was working. After 6 mo. Liberty stopped paying my benifits. I contacted the Insurance Board in CA and they started to pay me again. Six months later they did the same thing. I was too sick and in pain to continue fighting them so I got a lawyer. Liberty sent me to their physical therapist who said I was not disabled (I later found out thru an ex employee of Liberty's that they paid these consultants $6,000.00 for finding in Liberty's favor).

This happened in the late 90's early 2000's. As a result of their hanky panky I am without an additional $700.00 per month. I did eventually receive Social Security disability benefits. So much for planning for the future.

I became homeless as I could not pay my rent. I fell behind in my bills. I had even considered suicide. I was too weak and tired to fight anymore.

I worked for the bank from 1982-200 when I became disabled. I paid my Ins. through payroll deduction.

In 2000 I became disabled, they called and bothered me almost every month until Sept. 2007. They stopped my ins. I am worse now than when I became disabled.

I have been out on disability for two months now.. I have seen no disability check. They keep dragging their heels saying.. wrong fax number sent documents to.. in fact it was correct. Now need more medical records. Bunch of BS.. I am really thinking of getting an attorney. I was wondering if anyone has considered a class action suit? I am not qualified for State Disability because of my husband. I am on the verge of losing everything because of this delay.

fiancial hardship..potential loss of home and car.

Im on temp. disability and was on my last two weeks of treatment when my case manager was transfered and then my benefits was cancelled. When I spoke with Mr. Palmer, he as extremly unhelpful and rude. I explained my siutation and was told theres nothing he could do. This was quite odd because my old case manager was not like this. Then when I ask why was my case manager changed, he stated that, that not my buisness and hung up the phone on me.

I have no means of income and cant my bills. I fear that I am forced to go back to work without being completly healed and will futher damag my injury.

My short-term disability claim from 9/20/07 was denied by Liberty Mutual, primarily due to the case manager failing to obtain complete medical records. From there, my file went to an appeals board (it took a week for the case manager to even mail the file to the board)--only after I filed a complaint with the NC Ins. Commissioner. Several doctors gave me a documented no-work status due to impairment, and complete medical documentation to support that was provided to Liberty; however, Liberty continues to drag their feet saying they are having medical boards review the physician's documents, etc.

It's now been 3 months and there is still no resolution as Liberty seeks to cut costs by denying every claim and hoping that an endless appeal process will eventually turn consumers away from continuing to try to obtain any disability pay. Every time I seek answers, I am told: They are reviewing my file. It shouldn't take 3 months to review a file when there is clear medical documentation to support the medical disability by two physicians.

Severe economic consequences resulted as Liberty failed to issue a disability check. I am a widow supporting 4 children. We had to beg, borrow and do whatever we could to pay our bills when we should have been financially secure. I paid Liberty for years for that financial security in case of an illness only to find it was a scam. There's no money for Christmas, and I am now behind on many bills.

was but now realize that most things I could due before I will never do again.

Now my good leg has gone south and I'm in PT for that. I have tryed to get my last corizone shot in my back for the pain but I have developed melanoma

and must wait six weeks after my impending operation before I can seek relife. I know its hard to belive but Liberty Mutual has cancelled my Long Term disability insurance as they belive I'm all better now.

I'm forced to go into my savings account I have a wife and two young children. I have little prospect for employment. If I walk a short distance my leg swells and the pain in my back and leg has me looking for Dr. Kovorkean. I cant squat,pick up much

stand or swim in the surf. For a guy that went downhill sking with his son on his back before this happened I'm pretty worthless.

My employer and I have been paying Liberty Mutual premiums for over a year. Last year I was diagnosed with four major debilitating diseases including Interstitial lungs disease and sarcoidosis. My experience with Liberty Mutual has been a nightmare. From the beginning I was passed off from one worker to another, never getting the same info twice. They told me I couldn't collect state disability and private disability at the same time (I stupidly assumed it was a fraud issue) so I signed off on them taking out over-payments. I later found out that that was their policy, it had nothing to do with legality.

Meanwhile they finally paid me at the end of my first two months of medical leave. Thank God for the $900 from state disability over those two months. When they paid me they said they would automatically take the overpayment that state disability was paying me out of my next check . (I was still under the misinformation that I could not legally collect both disabilities.) I, again stupidly, assumed I had done the right think by not reapplying for state disability after my medical leave was extended. Lib M.informed me that my not reapplying for state disability meant the state no longer saw me as disabled and I no longer had a valid claim with Lib Mutual. Gooo Figure!

So, now again, I don't have the money to pay for my medication, rent, car note etc... again. I also can now add peptic ulcer to my list of illnesses.

I went out on short term disability on December 16, 2005 after going to the doctor on December 15th for an illness that actually started to affect me on December 14,2005. I spoke with Sarah with Liberty Mutual on Dec. 16th stating that my physician, Dr. Abbott, had taken me off work because she was concerned about my elevated blood pressure and depression. Advised by Sarah that the information would be submitted and that I would be assigned a case worker. On Dec. 21 after no response from a case worker, I contacted Sarah again who advised me that Paula C was the person who would be handling my disability insurance.

Finally on Dec.27th a letter postmarked Dec.21st arrived via mail stating that she, Paula, hadn't been able to reach me. On Dec.27th I called and spoke with Yolanda in customer service at 1230p.m. I told Yolanda that I had tried on numerous occasions to contact Paula but had no success. Yolanda told me to just keep calling because she, Paula, was responsible for my case. On Dec. 27 or 28th, I finally was able to speak with Paula. I advised her that I had a follow-up appt. with Dr. Abbott and was scheduled to tentatively return to work on Dec. 30, 2005.

Paula told me that my claim would be covered until Jan.5, 2006 and that I and Dr. Abbott would receive paperwork in mail for completion concerning medical update relating to the status of my illness. I never received any such information. On Jan. 16th or 17th, I contacted Nokia, my employer, inquiring whether they had heard anything about my STD claim and was told that all that was received was a call from Paula stating that she spoke with me and that I told her that Dr. Abbott's office would fax over information but that she hadn't received anything.

From there, I contacted Dr. Abbott and spoke with Elizabeth. Elizabeth informed me that she faxed the information and left several messages that have been documented but had never received a return call from Paula. I then called Paula twice with no answer. Again, I called customer service and was told that Paula was extremely busy and that as long as I left a message. Finally today, Jan. 27th after 8 days (after being told by the customer service representative that she had to respond within 48hrs which she has never done for me or Elizabeth as well as Dr. Abbott who called!) I received a call at 330pm that she, Paula, was dropping my case because she has been unable to get a response from me or my physician's office and that I would not be paid!

That is not right. She has obviously failed at performing her job and as a result - I HAVE TO SUFFER. I pay for short term disability and I feel that I have not been treated fairly during this whole ordeal with my health. And lets just discuss my health. I was ill, the last thing I should have had to worry about was an inconsiderate person.

on 11-9-02 I stopped for the night at Pilot truck stop in Little Rock, AR. I got my paperwork together to go inside and as I was getting out of the truck I missed the bottom step, fell to the ground and tried to catch myself with my right hand, which caused my right wrist to be broken. I was a truck driver for P.A.M. Allen Frieght Services.

Well before I drove a truck I was in construction. I am a single father of 4 -- the insurance company never paid me compensation until I was almost ready to go back to work at which time I realized I could not do it any more because of the pain. I tryed construction but there is no way I will ever be able to use a hammer again. After losing my house in Memphis, I moved back home to Florida where I tried to work briefly at another trucking company -- again severe pain so bad that I could not even shift gears, so there I sit on the side of the road to try to let the pain subside.

I never got my MMI because the insurance company would not release my med records to the doctor in Florida. I have not worked since november 2003 and my case is past their statue of limitations which they caused by not releasing my records. I have only one son living with me now, the other three stay with their mom as I am on public assistance and awaiting SSI disability.

I have been writing congressmen an senators to try to get help but they can't or won't help. Liberty Mutual tactics has reduced me to almost not existing. Four years ago I could pick up and use a 90lb air hammer and use it horizontally -- now I am lucky if I can pickup a cast iron skillet with my right hand.

I was injured by slipping on the ice at a worksite in Calif in 3/97. I was paralyzed from the waist down, airlifted to Stanford University in Palo Alto and operated on for cauda equina syndrome (basically 5 discs reptured in lower back at the same time pressing on spinal cord). After surgery and physical therapy able to stand and walk but never regained feeling in legs or much below the waist. My employer, American States Insurance Co (yes, I was an insurance building inspector) refused to accommodate my workload and forced me on to disability.

Liberty Mutual is the Comp carrier. Absolutely the worst people I have ever dealt with in my life. Dragged their feet on even paying RX bills, real stinkers. Hired PI's to follow and videotape me. To give you the extent of my injury, they KNOW its real, they have surgical reports, MRI's , weekly medical reports from 1997 to date (5/03) and even Social Security rated me 100% disabled the first time around with no appeals or anything.

Liberty Mutual has refused to pay for wheel chair rentals (oh yea, I just rent a wheel chair for fun), wouldn't pay my Urologist bill (no, nobody with a major spinal injury needs a urologist!) and just gives headaches at every opportunity. I live in Northern Idaho, they made me come to LA for three evaluations with their chosen physicians. Guess what, all three said I was a total of 236% disabled!! 36% depression (I wonder why), 100% Ortho and 100% cardiac. What do the idiots from Liberty Mutual do? They hire some idiot unlicensed PI to follow me around now 6 years later and try to videotape me! I have a lawyer in LA but he seems to be as frustrated as I am.