Liberty Mutual Disability Insurance Reviews

Went out of work June 2018 for a off the job illness. Denials were sent on every option they had. Example: didn't get doctors report, After research found out that they never paid record company for records. Then denied me because I didn't have enough work time in at company, I had been there 20 years. They continue to deny my STD but they approved my LTD on the same illness. After a year and a 1/2 I had a appeal hearing with the WCB which they failed to appear at so hearing went on without them. Outcome was in my favor with extra penalties being imposed and decision made final.

My husband was injured on the job and receives weekly checks. At this time he is still waiting for his weekly check to be deposited. It seems like the case worker is on vacation. This is Christmas time and no one at Liberty Mutual can deposit his check. So he has to wait and wait and they are putting his other health issues at risk because he cannot get his meds. The case worker involved is rude and disrespectful. Liberty mutual people are also scam artists and cowards because they hide behind Pennsylvania laws and probably have politicians in their pockets. They also treat him disrespectfully because he is white. again no one at liberty mutual can send him his checks because his case manager is on vacation and no one else, I guess, knows how to make deposits. Do not go with liberty mutual!!!!

Liberty Mutual had me literally in tears. They will hold on to your money for month's before paying. While they are making a decision on whether or not to pay you you're sick and broke. Once you get assigned to someone to handle your case he/she will make verbal promises go on vacation and you will not get your money until another few weeks or month's. Their emails that you send go into a black hole so they never see them. I had to contact my HR Department to file complaints. Because, I got yelled at and called a liar. My only savior was my doctor demanding that they had better pay me. All I could remember was wanting to die.

I was injured on the job working as an EMT in an emergency department. I ruptured the three lowest discs in my spine and suffered permanent nerve damage. The result of my injury resulted in my left leg being permanently paralyzed. My employer had Liberty Mutual as our long term disability insurer. To add insult to injury I actually paid extra every month to increase the percentage of coverage. After settling on workman’s comp I filed the long term disability claim. It is apparently customary to wait till the workman’s comp claim is settled to file.

After being told they offer supplemental insurance accidental... Changes happened. My claim was denied after I sent in the required info stating that I don't have ER coverage. SMH. Misleading. It's okay. They got away with 18 dollars but that is it! Don't recommend! 8.49 a month sound good but when they deny your claim it's bad!

I was put out of work by my doctor for about 3 weeks for medical reasons. Liberty Mutual claimed to have never received my paperwork so I sent it again (they only accept via USPS). They then told me to speak with Tammy only. She was the only one that could assist me with my claim. Over about 3 weeks she finally called me back giving me the run around saying they were short staffed. She made me feel Extremely uncomfortable with her judging tone. By her questions she made it sound like I was lying. She asked me details of my condition. When I answered she said (why can’t you work then?). Humiliating and never want to deal with this company again.

I went out on FMLA on June 14th, 2019 due to mental health problems. I have been diagnosed with Bipolar 1 with depression. First I filed my claim on the 18th of June and as of Sept. 3rd all I was informed of is that my claim was pending. I returned to work on the 3rd of September and guess what, I finally get told that my claim was denied. WOW who didn't see that coming.

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.

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.

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.

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!

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.

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!

Resolved

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.

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.

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.

I had long term disability through where I worked and it was noted on my policy that Liberty would pay 50% of my pay if I had to use my LTD. I had heart surgery July 2016 and was unable to continue to work because of complications. I had short term disability till Jan 2017. I then started my LTD. I signed up for social security disability while I was waiting for a decision. Liberty paid my LTD. I just got my social security disability a few week ago. It took me 21 months for this decision and now Liberty tells me I owe them all my back pay. My beef is what happened to the 50% they were suppose to pay me of my work pay? If they take all my back pay they are out nothing. I understand I should only owe them 50% of my back pay. That sounds crooked to me.

I was unable to work because of very severe Back Pain (bulging disc). I have been unable to drive, sit, bend forward, walk, and stand without severe pain. This has prohibited me to travel to work and perform my job duties. Liberty paid STD only for 2 weeks. I filed an appeal and they did not approve it. I was forced to return to work with no income. I filed another appeal (all by myself) supporting each line of what they said in their letter with documents (Letter from my PCP, My chiropractor, my P Therapy specialist) and then I won the appeal and got paid.

My husband had hip replacement surgery on April 2nd, 2018. He did all the prep paperwork before his surgery. He understood this to be enough to start his claim. A co-worker who had the same surgery told him he still had to call Liberty Mutual to start his claim. Unfortunately this was 2 1/2 weeks after his surgery so Liberty denied his claim for the first 2 1/2 weeks. We were told by his disability case manager Robert ** that we needed to file an appeal. We went on their website and did that. Weeks later we still hadn't heard back so we called them. Mr. ** claimed that he never got the appeal paperwork and that he had contacted my husband's doctor but they never called him back. Total **.

I am an RN. I was terminated from my job after 38.5 years by Dignity Health. I have paid premiums for long term disability to Liberty mutual my whole career. I have PTSD from finding my son after a heroin overdose. He passed away. Their drs denied my claim. I guess PTSD is not serious. My employer fired me for this.

Liberty is horrible, you pay your premiums and you get screwed so they don't need to pay the LTD. They claim they call your therapist and leave 6 messages with her receptionist and never gets a call back. My therapist does not have a receptionist. I told Liberty my therapist would pull her phone records to prove these calls were never made by their "specialist", 2 weeks later my appeal gets denied. I am now getting an atty to fight these people. Their only job is to screw you over. They twist words around to benefit them, lie, falsify records. STAY AWAY from them. Don't give them ANY of your business. Disability, car insurance, any of it. When you need them the most, they will turn their back on you.

I was placed on medical leave last September. As many have reported here, I kept hearing records not received. Took six months but finally was able to get that coordinated. Once again, like everyone else reporting my claim was denied. Try to disassociate yourself from the personal nature of the claim for a moment and evaluate your position. I went to the ADA and EEOC websites and sought out passages that were pertinent to my case. I also looked up case law, once again drilling down to a citation that back up my claim.

I paid for short and long term disability policies through my employer for 25 years. When I became disabled Liberty Mutual denied my claims. I did everything they asked me to do. My Drs submitted all documentation they requested. Oftentimes sending duplicate files when they claimed they hadn't received them. This is the world's worst insurance company in the country... in my opinion.

Liberty Mutual is a company that is considered a third party vendor for the company that I work for. They are horrible. I was put on leave of absence on March 30th by my doctor. I called Liberty Mutual and let them know on the 3rd what was going on on the third Liberty Mutual contact in my doctor's office. My doctor's office gave them the necessary information to know why they were placing me on a leave of absence.

This company has single handedly won my unofficial award of the most suspicious and fraudulent company I have ever dealt with. Though I have mountains of medical transcripts that I have viewed with my own eyes and sent them to the company personally, though several doctors, nurses and therapists have stated I have a cognitive disability the company loves to take the premium but will not pay out as their documentation states it will. Someone needs to put an end to these crooks reign of deception. If many doctors say I am disabled, you (Liberty Mutual), don’t get to decide I am not just to save yourself money! Make good on your promises, you have compromised my financial situation as well as my credibility at work by blatantly disregarding competent doctor opinions as well as your own promises. BUYER BEWARE!!!

I've recently submitted a short term disability claim. I've paid my premium on time expecting that if and when it was ever needed I would be able to cover bills until returning to work. I've returned all paperwork that was needed 2 weeks into claim. It's been 7 weeks now and just today was informed it's my job to obtain medical records to be sent in. Worst insurance company I've ever had to deal with. Clearly an incompetent staff who fails to inform people of the correct and necessary paperwork needed. I'm confused that I had to wait 3 weeks for paperwork from Liberty Mutual to sign for medical records to be released to them WHEN I'M THE ONE WHO HAS TO GO OBTAIN THE RECORDS MYSELF. I feel Liberty Mutual has a total disregard for the financial struggles of an ill and off work person.

Last year in June I was injured on the job at the client's location in Michigan, so my never explained to me about Workers' Compensation, the only thing my job cared about was having me at work so I once it was time for me to get my stitches out and seek follow up care from a specialist my boss denied me from going and final in late September of last year I decided to seek other remedies.

Like many people here I have been paying my insurance premium for 10 yrs. I recently had a major heart attack which left me in Stage 3 CHF. I went on short term disability and it was paid. I then went on LTD and they paid for 6 months. At that time Social Security Disability accepted my claim. I am now receiving my disability benefits. However that leaves me 1400.00 a month short of when Liberty Mutual stopped making payments. Liberty Mutual demanded the retroactive money back. About 10K. Shortly after repaying them they stopped sending me my checks. They said I was OK to go back to work.

Liberty Mutual sucks! Today begins week four of being out of work due to surgery and my STD was just approved today and to top it off, approval was only given up to yesterday. I told her that I'm out of work until my follow up appt on April 2nd, then she states she is going to need more paperwork from the MD. Mind you, the original paperwork already stated I would be out for six weeks. When I asked why it took so long, the case manager replied "I don't know". So I asked who approved the claim. And she said she did. So my question becomes, "If you approved it, then why did it take so long to be approved" and she continues to state she doesn't know why with major attitude. When I asked if my case could be given to another case manager she said everyone has a lot of cases and the service would be the same. If this is the best they can do, they need to get out of the business. I pray I never need to use STD again!!!