Liberty Mutual - Disability
Liberty Mutual - Disability
Overall Satisfaction Rating
  • 5 stars
  • 4 stars
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  • 1 stars
Based on 164 ratings

Liberty Mutual - Disability

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Liberty Mutual - Disability
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198 Liberty Mutual - Disability Consumer Reviews

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Page 1 Reviews 1 - 10
Rated with 1 star
Verified Reviewer
Original review: June 29, 2019

If I could give negative stars instead of giving a star I would. They are absolutely horrible, they have no problem taking your money. You cannot get any follow up with your claim manager and anytime you speak to anyone else they don't do anything to help. I went round and round with them saying they never received documents my doctor's office would send them right there while I was in the office and they still claimed they didn't receive them. I sent them again and would call back trying to reach my claim manager, not able to. So I would have to speak to another person who doesn't take any responsibility and tells me it will take a couple of days to review the documents.

I have the copies from my doctor's office and it is clearly the same as last visit. There should take them this long to see that there is no changes and my doctor is continuing to keep me out of work. I am going without pay, late on my Bills. They just cause added on stress and are not helpful at all. I would not recommend this company to anyone. Go with Aflac. They are always helpful, great customer service and when you call you get answers and resolutions to your concerns and questions.

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2 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: June 7, 2019

You are probably reading all these negative reviews and saying it's no way a company could be that bad; but let me tell you they are. I tweaked my back and don't really know if it happened at work or home. On May 2nd my doctor said that it looks like it was building up over time from working so hard and not taking any down time. Doctor requested I go on light duty for 2 weeks. He lists my restrictions as no lifting over 25lbs, no pushing or pulling or twisting. He also put me down for physical therapy to help alleviate pain instead of taking drugs. My job doesn't accommodate light duty do to liability issues. So I was told by H.R to call Liberty to set up my Short term. I was emailed a doctor release which I immediately took to doctor. My doctor faxed it over the next day. Physical therapy and my doctor are in the same system so my info is shared.

3 days later I get call from Liberty saying they have not received any followup from the faxes they sent my doctor and have received nothing from physical therapy. I called doctor and they resent same info again. I then went to physical therapy to get them to fill out and info. They had already done this as well 2 days ago. 3 or 4 more days go by so I call to check on my case. I was told that there is an 8 day wait period from report date until time of Short term to start. I'm like ok so I should see something soon. I go back to doctor for follow up. Still have plenty of pain so doctor extends it 2 more weeks. Now I am emailed a form to get filled out by doctor. I'll be darned if this for doesn't ask same questions as the other forms did. I call to question this. I'm told its procedure to insure my employer holds my position for me while I am out. I am told, “As soon as we get this we can process your claim.”

2 days later I get a call saying that they can go no further with my claim until my doctor responds to their fax request for my accommodations needed for light duty, so they can see if my job will accommodate. If they don’t hear back within next day they will cancel my claim. I call doctor. They said they sent that info the first time and second time. So they just combined both faxes and sent over. I called my H.R next. They said why are they requesting the same info again. “We don’t do light duty.” My H.R called Liberty to get clarification. They were told that the process is slow because my case was sent to clinicals to be looked over by doctors. Now through this whole process I have received NO income. I pay a $30 copay twice a week to physical therapy.

At this point I'm a little upset. I called Liberty and vented. I was then told that they had great news. I have been approved and she would check back in a week or two. HUH??? So when do I receive funds? Well since you are paid biweekly we just missed your cutoff from your payroll for this pay period; so that will put you at next pay period of JUNE 21st. Say what now?? So I went out May 3rd. YES. So I was told of an 8 day wait period. YES. And now you say I won’t receive anything until the 21st of June. Sorry there is nothing else we can do. Money is tight nowadays. Families are living check to check. How can you expect someone to make it a month and a half with NO income.

My employer switched to Liberty from Prudential this past year. Worst mistake ever. I was out on short term about 6 years ago with swelling in my foot and leg. We were getting paid weekly at that point. Had a 7 day wait period then received 2 checks the following week. Why and how does Liberty still exist. They really hope that you will get frustrated and run out of money and go back to work and not even bother pursuing your short term disability. I wonder how many people have lost homes or their jobs from getting shafted by Liberty.

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4 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: May 22, 2019

I've been with my Company for 30 yrs. Paid into Liberty Mutual Long Term Disability for the entire time. After my 4th back surgery I wasn't able to come back to work. At 55 yrs. old I've become disabled. I thought I would be taken care of until I could go through the SSDI process. Liberty Mutual began paying me because they agreed I was disabled, but they continued harassing my Doctors for more and more information until they became tired of it after 4 1/2 months. Due to this and Liberty Mutual continuing to look for loopholes cancelled my claim and quit paying me after 4 1/2 months. They also said that although they agree that I'm disabled and couldn't go back to my job after 4 back surgeries, but I should be able to get a Job on the Global Market! Liberty Mutual or now Lincoln Financial Group has no problem taking your premiums (for 30 yrs.), but has no plan into paying your benefits.

5 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: April 28, 2019

I was put on disability by by doctor and TWO other doctors as well. I was denied short term disability from Liberty Mutual now known as Lincoln Financial Group! Did they have to sell and change their name because of their HORRIBLE reputation. Anyway, the client manager at LFG said that an RN made the determination to deny. So an RN has more experience than all of my doctors!?!? This company needs a class action lawsuit after finding so many reviews about the same denials from everyone else. I've contacted my attorney who has asked to see the policy and going to appeal and possibly file a class action suit! If your company offers this disability insurance, go on your own and get AFLAC and stay away from this service!

2 people found this review helpful
Rated with 4 stars
Verified Reviewer
Original review: April 17, 2019

Liberty negotiates the bill, so I am never sure what they are paying and what my responsibilities are. The biggest problem is paperwork with the medical field.

Also, our hospital gives you a discount if you pay up front. Again, I am not sure when Liberty negotiates, what my responsibility is. We live in a town where IHC is a monopoly. So often times it is a lot less expensive to travel to another city or state for a better price.

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Rated with 1 star
Verified Reviewer
Original review: April 14, 2019

First they claim they overpaid on a short term claim, now they are trying to cut 3 years off a 5 year claim that I had been paying for. Called my former employer and they do not have a clue what these bozos are up to. I have all the paperwork to show I was paying for the extended plan so I guess it's time to drive into Chicago and get a lawyer! These people are real stick wackers!

2 people found this review helpful
Customer increased Rating by 1 stars!
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Verified Reviewer
Resolution response: Jan. 25, 2019


Original review: Jan. 25, 2019

If you work for a company that uses Liberty Mutual as the accident insurance, QUIT! This is the worst company in the world, they have done everything and then some to get out of paying the claims they've been ORDERED to PAY! From months of DELAYS to THREATS made to ATTORNEYS that they are stopping future benefits based on LIES of Video footage of someone other than ME doing things outside, I have trouble just moving to my car for therapy. What a shame! All I've ever wanted was an approval for an MRI to make sure I am on the right path but NO, blackmailed to go back to work for benefits that they won't send! You have to send them now don't ya? Keep up the Devil's Work Liberty! I will be there to see you fall!

6 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Dec. 25, 2018

Liberty Life long term disability shouldn't even be in business. I was on STD for my 6 months due to fibromyalgia and major depression and chronic fatigue. I also had neuro-psych test done and was told my cognitive skills were low and also retaining information was low. She said I was unable to work at this time. I have regular appts. with my rheumatologist and counselors and they have filled out forms and also sent my medical records showing I am unable to work. They denied my disability so I got a lawyer. They were able to get me pay for 2 years for depression instead of fibromyalgia, which is because they would only have to pay for 2 years instead of my retirement date which would have been 9 years. This was the first thing they did that was crooked.

Then after 1 year they denied me the second year and I have to go back and have a lawyer again. I have to pay the lawyer 50% of my pay but Liberty wants me to pay the full amount back to them if I start receiving SS disability. How am I suppose to do this as I had to use the 1 year disability for bills and I won't have but half of my SS disability as the lawyer will get it. This is so wrong and I am still trying to get my second year. Plus they need to change my diagnosis from depression to fibromyalgia and cognitive issues. I have not been able to work for almost 2 years and the whole time, I have had to deal with the stress of a crooked company which has made my health decline drastically.

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6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 4, 2018

I have been off work since 3/9/18 from a work-related injury and their adjusters never send my weekly benefits as they're supposed to. Took them four months to send me my first check and it wasn't even the right amount owed to me and now they wanna play around and still not send me my weekly earnings nor reply back to my lawyer's emails or phone calls. They get every document and updated status of my wellbeing and dr. visits and yet still cold-hearted. They seriously need to get the act together and stop being so damn big headed.

9 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 26, 2018

I am on short term disability and my company uses them for the insurance. They take so long to approve anything. It took 6 weeks to even get a first check. The checks came the next 3 Saturdays. Then the checks Came on the following Wednesdays for 2 weeks. Then we have to start over to be approved again. Everything gets delayed or pushed out. I kept them informed on everything that was going on, but that doesn't matter. This last time 3 months in, another month for approval. If you choose this company I wish you luck. You do your part, but they don't want to do theirs. I can only imagine if it was the other way around and you were a day late paying them.

10 people found this review helpful
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Liberty Mutual expert review by Matthew Brodsky

Liberty Mutual has been providing a variety of insurance coverages to individuals since 1912. It is currently the third largest property and casualty insurance provider in the United States.

  • Offers integrated group plans for employers: Employers can purchase insurance for employees that includes both long-term and short-term options.

  • Offers additional tools for employers: Companies can get help with compliance with ADA regulations for employees with disabilities or monitor lost work time and track claims payments using online tools.

  • Return To Work Toolkit: The Return to Work Toolkit helps employees get back to work faster after suffering a disabling condition.

  • Fully functional online portal: Users can make and track claims online.

  • Full support for employees: Users can visit a regional center, make claims online or by telephone, or participate in an employee assistance program to get disability-related problems handled.

  • Best for: People who have been injured, people recovering from surgery and people with a chronic condition.

Profile picture of Matthew Brodsky
Matthew Brodsky Insurance Contributing Editor

Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

Liberty Mutual - Disability Company Information

Company Name:
Liberty Mutual
Year Founded:
175 Berkeley Street
Postal Code:
United States
(888) 398-8924
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