Liberty Mutual - Disability

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Liberty Mutual • Auto • Disability • Homeowners --- News • Liberty Mutual Sued in Bid-Rigging Investigation

Nadia of Modesto, CA November 1, 2009

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?

M. of Davis, CA October 31, 2009

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.

Robert of ARLINGTON VA, VA October 7, 2009

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.

CRAIG of kuna, ID September 30, 2009

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

Mike of Temple Hills, MD September 28, 2009

In March of 1998 I took a position with OSC as a satellite operations controller at their site in Dulles, VA. My very first day of hire was spent in administrative indoctrination sessions with HR. In the end, the benefit touted most by this company was their excellent LTD benefits. I didn't move from my prior job for that. However 6 months after starting with them I had to have surgery to remove a brain tumor. This was something that I had done before but never impacted my work performance or career. This one was different in the fact the surgeon had to do a radical surgery. I applied for STD and the HR folks were more than glad to push that through for me. Liberty Mutual sent me weekly checks with no failure. 6 months later I applied for LTD and the same held true. 18 months later I got a letter from Liberty Mutual Stating they had run an audit and deemed that I was no longer eligible for benefits. When I inquired why they told me I had not been employed for the vestment time as well as having a pre-existing condition. Vestment periods were never mentioned at any time from my date of hire or during the time spent with the HR folks who did my paperwork. The folks at Liberty Mutual accepted it as did HR. My pre-existing condition was the same as a cavity in one's tooth or repeated pregnancies. Did the fact they had to pay out rather than take in rankle them?

Mike of Westlake Village , CA September 25, 2009

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.

Chris of Woonsocket, RI September 17, 2009

Liberty Mutual is by far the worst workers' comp insurance company. They took over my claim in January of 2009 after it had been with Segwick CMS for over 7 years. No sooner did Liberty Mutual take over than my medications are being denied, one after the other. They never notified me of any cancellations, they just denied my meds when I went to refill them. Not only could I not get them, but now I was having to stop taking them cold turkey. I spent a week of nausea, vomiting, chills. I was seeing a psychiatrist for years since I had gotten hurt as knowing I will be in pain and on meds the rest of my life messed me up mentally. 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!!!

Paulette of Plainfield, IL April 29, 2009

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.

Robert of Vallejo, CA April 21, 2009

Robert of Vallejo CA (04/21/09)
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.

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