Liberty Mutual Disability Insurance Reviews

Then, their agents request overlapping records that were already submitted, doesn't follow up, and puts people's job security in jeopardy! Their livelihood. For a man who suffers from panic attacks from a heart condition to qualify for the FMLA in the first place, this company is going to kill him. Today, my husband gets pulled into the supervisor's office because they haven't received anything for his FMLA from Liberty Mutual since OCTOBER! It's MARCH! HOWWW? How are they still in business? How do they get away with making the client facilitate all communication between the employer and this trash company? How do they charge this much for bare minimum coverage?

How is it OK that my husband is about to lose his job because they don't want to do theirs??? Can we send the ambulance bills to Liberty Mutual because they have caused an enormous amount of panic and anxiety at this point? If he does have another heart attack from this crap, will Liberty Mutual finally take responsibility for the cause? This is absurd. I think Metro PCS has better customer service than this company. That, in itself, is pathetic. And why would employers keep doing business with a company that clearly has such a bad rap for this? Look at these reviews. They all have common themes. They literally only got 1 star because I couldn't choose to not rate it.

He doesn't get paid for FMLA. It is solely to protect him from the company's attendance policy. No one is "losing" money here. He pays significantly for this coverage. And this is what we get. When does it stop? When do big companies stop getting to sell the worst quality products and services to their customers who don't have another option? This isn't a case of "someone was mean to me so I'm going to write a review". This is a bigger picture. This is "my husband is going to lose his job because a service he was approved for and pays for won't do its job". I wouldn't recommend this company to my worst enemy. Employers, stop doing business that affect your employees with crap companies!

So they e-mailed me paperwork and have it dated end date NEXT month. They said my employer has different dates than they do and the employer ended it on 2/13/18 and Liberty ends it 3/17/18. This means I will have to have TWO Dr appointments just to continue it until next month and then ANOTHER one next month. This is the worst company possible to work with. So I go to the Dr tomorrow and again next month. I do not have the paperwork I will need when Liberty's end date is in March for the next year- so will they close it again and I have to wait for more paperwork? Are they expecting 3 appointments with my Dr in 5 weeks time? I wish I had a say to HR and let them know how terrible this company is. But then, they must be cheap for an employer.

So now I got to go through this long procedure to prove them wrong. In which case I will fight them to the death.

But aside from that here is what I have learned. These doctors they use and the insurance company itself face no disciplinary consequences for their being outright thieves. And causing the destruction of lives that they are paid to insure. They take the money from companies by offering them lower premiums because they have no intention on paying the claims. It's nothing but straight profit. They often deny LTD claims. This is about as criminal as it gets. My company has already paid for the policy so they take the money then deny you.

That's how it works. It's designed for you to give up go back to work albeit mad but what do. They care, they got paid and didn't have to pay out anything. Other than short term which is basically paid by the company. They face no repercussions on any level for these gross acts of neglect. They need to be sued and not just them. The sleazy doctors they use as well should have their licenses pulled and revoked for straight lying for profit. I will be putting up a page on Facebook as soon as I can figure out how to do it for a petition against them and their practices. Which is called bad faith practices. I will call for reputable companies not use their services.

I am looking to start a class action lawsuit against them. I'm going to make a video and place it on Facebook. We need to get the word out to as many people as we can and have them sign. Then we can get a law firm to go after them. They are common criminals dressed in suits. And worst yet they are destroying the very live they are paid to help. So let's not let them get away with it. Ill fight them myself if I have to. But they need to be held accountable. Period. And together we can do it. So get the word out. I will be on Facebook to try and build a page for the petition. I may get back on here and share the necessary information. I have lost everything.

3 times her fax machine came busy, then I called and did a certified mail. I got a call within 3 weeks of them receiving my appeal and a thorough review was going on and a final answer would be out by 2 weeks. It has been more than 2 month still no answer. I am unable to understand if this is their normal practice to make people run around them and deny claim purposefully? And why are they collecting payments from every employee paycheck and not providing help when employee need it?

First of all, my doctors had advised time and time again that I was not able to do my job and provided the information regarding the effects from these medication. If I would have driven and gotten pulled over on them, I would be in jail right now. They are a controlled substance for a reason yet not to LM. Now I’m waiting to find out what my next step is since they denied my appeal. I haven’t been paid what is owed to me since June 2017 and have been fighting with them this entire time. I keep getting “we never received the information”, and when I speak to my doctor's offices, they have the confirmation information that proves the fax/email went through every time they sent it. If I have to get an attorney for this and add another headache to my life on top of my disability, I will. I don’t think I have another choice.

These claims guys are the same guys who show up to work on roller skates, sit there and read "The Ladies Home Journal" whilst sipping their "Lipton Iced Tea." I worked next to a claims guy while in graduate school, and he never honored any claim the first time... Or the second... But usually on the third, and then giggle about it. He got "atta boy(s)" from management. The insurance company was also named Liberty but maybe not the same company. Monday, I'm calling the State of Florida Financial Services Division. They are excellent, and "rattle the sword." They get one star because no stars is not a choice.

I've learned to work on a tight budget, some months my medical expenses are more than my mortgage. But I've got wise to ask for payments plans for medical expenses. There have been times as humbling as it is, that I've called my credit card companies and car loan company and asked if I could miss a payment. If you explain your situation and it's legitimate they will work with you. Even Lois **, in LM finance worked with me. People need to think before they complain and give a company a bad review. For 20 years I've been paying Short Term Disability and LTD, I never thought I would need it. Thank you Liberty Mutual Disability Insurance.

Two years ago I had knee surgery and our company had the Hartford and they were excellent, direct deposited all my checks was always in contact letting me know what was going on. It was a well oiled machine!!! Liberty Mutual is the car on blocks in the backyard! I'm so mad right now, I suppose to healing up, but instead I'm dealing Massive amounts of incompetence with no money to buy groceries!! Hopefully they will go out of business!

Glad the lawsuit is over and I feel more than satisfied with the monies my attorneys were able to get for me to continue my treatment. One should not have to fight for care on a work related injury while employed by a Fortune 500 company, or ANY company. It's just not acceptable, life is too short already without your "so called" help, period. Again, glad to finally be rid of Liberty Mutual. And your commercials are lies in my opinion, the whole "We stand by you" BS. To quote a dear friend, "Ain't scared of y'all **." ~Bernie Mac R.I.P.~

My advice to anyone in the market for long term disability or any other insurance don't use Liberty because you can't leave worry behind and Liberty does not stand with you. As they claim in their ads. In my opinion Liberty is a criminal enterprise and should be prevented from deceiving people out of their hard earned money.

After trying to contact case worker to get update was information that my case was assigned to someone new and after review finally on May 16th was told it was not enough information to support my leave. I advised them several times that papers needed to also be sent to my Mental Health professional and after docs were sent I was told information would be reviewed again. I explained that my payroll department advised that if received by the 19th and approval granted it would be enough time to receive my wages on May 26th.

After speaking with the case worker today I was told there is no guarantee that recent docs will be reviewed tomorrow in order to be sent in time for payroll which means I will not receive my wages IF APPROVED until the middle of June. Meanwhile, I am being evicted from my home and I have another place lined up but have to pay deposit on the 26th. I feel it is absolutely ridiculous for people who work their asses off for their employers to be treated like 2nd class citizens and disregarded this way. I am officially DONE with LIBERTY and DITECH. If I can find a lawyer to take my case I will be filing a lawsuit against both!

If their paycheck was late they would be down to accounting faster than their two feet could carry them. We cannot just do that we have to wait or get attorneys involved. People truly struggling while the CEO makes millions a year. It is sad to see good people struggling from the hands of grubby nasty people. It's been 3 days now I have called and called my case manager without reply. So much for the no later than 24 hours. Sad place indeed.

On 12/12 my doctor and I were notified my STD had lapsed on 12/5. My doctor tried to fax records but apparently they did not get through. Many more calls, and then Liberty said they were not governed by HIPPA and thus could not send a compliant request? So I ended up going to medical records at my hospital to get my records so I could fax them myself (another paycheck already screwed up). When I called to get a good fax number they looked at my account and, lo and behold, the situation had been resolved without the additional records and my STD was extended to the proper date. Confirmed with my HR folks and am due to get paid on an upcoming paycheck.

My case manager was most often unavailable or out of office and when she took time off around the holidays her voicemail gave me another manager to call. Very nice, except his voicemail said he was also out of the office until 1/3. Kind of felt like I needed to talk to the president of the company to get any satisfactory results. Am so glad I do not have to speak with you folks anymore. As an aside, the customer service phone answerers were always courteous and tried to help, but most often they couldn't do anything and I needed to talk to my case manager who was most often unavailable. Can't imagine that customers won't be lost if others are treated as I was, and it will be a cold day in hell before I would purchase any of their other products after this experience. I only talked to them this time because I had to (my health insurance provider contracts STD to Liberty I guess).

Before surgery I applied for my long-term disability coverage with Liberty Mutual but there has been one ludicrous excuse after another to hold up processing my claim. The first excuse is that my health care provider is slow to respond to LM's repeated requests for my medical records. The second is that even after spending $44.00 to email corroborating paperwork required of me by LM at a FedEx store, and securing a "fax received" receipt from FedEx, sent to two different LM fax numbers, LM can't seem to find my paperwork! And though at least 6 weeks have passed since I sent it, they've no clue where the paperwork is.

I simply don't believe LM's childish tales and believe their goal is to drag feet in hopes of discouraging the claimant, resulting in giving them an avenue of escape from paying claims. My advice? If you have the opportunity of long-term health or any form of insurance either privately chosen or offered through an employer, pick any insurance company you desire, even if relatively unknown. Because they can't be any slower, any less efficient, any less customer-friendly, any less clumsy than Liberty Mutual..

Today is Nov 17, 2016, and I still haven't received any compensation for my lost wages. For weeks, my phone calls and emails were not returned by them or my employer. Finally, today I received a call from my case manager at Liberty. She stated that I did not qualify for compensation, yet they paid my medical bills and sent me a prescription card 6 weeks after my injury. She stated that according to the paperwork that she received from Working Well, I was returned to full duty with restrictions on Sept 13 but refused. That is a blatant lie which leads me to believe they altered the paperwork. I have the same documentation but it states to continue with light duty with the same restrictions.

How on earth am I supposed to go back to full duty, climbing stairs, lifting a hydraulic stretcher or lifting and moving patients? I would be in violation of my restrictions. They also stated that I didn't lose any wages, based on my wage history they received from my employer. I don't know whose pay stubs they were looking at, but I have 3 that show I received half of what my normal salary would have been had I not been injured. I work 48 scheduled hours per week (two 24 hour shifts) and was working less than 30 while on light duty. And if I supposedly refused to work, how did I get paid without losing wages? Something is fishy. Like two of my coworkers, I am forced to file a dispute and report them to the state. I will also have to retain an attorney. Save everything... voicemails, emails and all documentation. It has been an absolutely awful experience having to deal with this company and it's not over yet.

They sent me a denial letter stating that I was denied because I had not continued my treatments. I did the appeal based on their denial reason of stopping appointments when in fact there was no break in appointments, just went to different doctors. So I did the appeal based on that denial reason and gave proof that I had made and attended doctor appointments but they then sent me an appeal denial letter and denied my claim for another reason and then in the letter stating no more appeals.

I checked on a lawsuit and found that if the courts go in Liberty's favor that not only would I have a huge legal bill but might even be forced to pay Liberty's attorney fees. So nope I don't have the money for that so I will be forced back to work to keep from losing my house. I hope there is a hell as the people at the top that run this company need to end up there for all the people there are hurting.

If you have a claim that has been stopped take my advice. Hire a lawyer IMMEDIATELY. Do not... under any circumstances discuss your case with anyone from Liberty without representation. This company is NOT going to reinstate your claim once it has been stopped. According to my attorney you can expect them to fight every step of the way... use delay tactics... and ultimately deny you. Their reputation is well known among ERISA attorney's. In addition, many of the LTD contracts provided by employers through Liberty are written to prevent any kind of Long Term Disability support. The courts almost always rule in favor of Liberty because of these contract clauses.

You can expect your process to last several years from the date they stop paying. PLEASE make sure you have other means of support to help you through this period. Otherwise, as you can see by other reviewers below, you will lose everything while you wait for them to make a decision. If you do it alone or with an attorney you will suffer severe financial loss and a HUGE impact on your lifestyle. While many of us have already suffered such an impact due to our health... Liberty will add to this and will cause a deterioration of your condition. This occurs through stress, lack of funds to continue to pay for insurance, doctor copays, medications, etc.

If you are unable to maintain regular doctor visits because you lost your income and/or insurance (which is what happens when they stop paying your benefits) then you must go on Self Pay... At this point the average DR visit is $150-200 per visit, medications can range from $60-300 PER MEDICATION and if you need your doctor to do any additional paperwork there is usually an administrative fee of $50-100.

If, like me, you suffer from a chronic medical condition you will be bankrupt within three to six months. If you have ANY assets such as a home, car or a spouse that works (even at minimum wage) you will be IMMEDIATELY denied state assisted benefits such as Medicaid or SNAP. You will be left with no income, an inability to meet your medical expenses (which will then make your condition worse because you can't properly maintain your health) and you will face the destruction of your credit. If you should end up going to the hospital uninsured (as I did several times) you now face possible litigation, lawsuits and bankruptcy.

Yes, this is a grim picture. However, anyone who has dealt with Liberty Mutual LTD knows that what I am saying here is the complete truth. This is what they count on happening. Once you have been put into this position they know that responsible and credible adults will reach a point where they can no longer tolerate this and will seek to end the situation by returning to work. Once you do that... you are cooked. They know and they count on it.

A good ERISA attorney will tell you that you have a VERY slim chance of getting these benefits reinstated. The insurance companies have made the process so cumbersome and have gotten laws passed that make benefit reinstatement virtually impossible, even for the most critically ill, they are counting on you to give up.

You can also expect any conversation you have with anyone from Liberty to result in absolutely no resolution... none. In fact, if you have audacity to show any level of irritation or frustration you will be immediately put in your place. Remember, there is no circumstance where Liberty is ever to blame... lost paperwork (your fault), doctor fails to submit a report on time (your fault), inability to reach your case worker who doesn't answer the phone or return phone calls (your fault). I have documented notes of conversations I have had including dates, times and names of the people I spoke with... when referencing this information at a later date I have been told that my information is wrong and that they only go by the information and notes put into their system by their people.

In almost every circumstance this information was completely different from my notes and was skewed to support Liberty. While this is always a good practice don't expect this to amount to any substantial help down their line... including your court case... because both Liberty and the Courts assume your information is inaccurate and/or skewed to support YOUR interest. So Liberty notes are acceptable and are given a great deal of weight during the appeals process. Your notes are acceptable but given very little weight by the courts.

In conclusion, if you are awarded initial benefits from Liberty for LTD this is all that you can expect to get from them. Whether it is 6 mos or 2 years. Once those benefits are stopped FOR ANY REASON as determined by Liberty the chances of you appealing and receiving a reinstatement of those benefits is, according to ERISA lawyer statistics, less than 5%. So, make the best of your benefits. Apply for Social Security Disability (GET AN ATTORNEY TO HELP YOU WITH THIS). Try to pay down your debt, research your medical benefits and find out how long they will last, what additional costs you can expect in the future and be prepared to deal with the loss of your benefits.

I had a Liberty Mutual caseworker tell me that LTD is NOT meant to replace your income should you become permanently disabled. It is meant to help you transition from full time work into a permanently disabled lifestyle. Despite what you may have read when bought the policy they have NO INTENTION of providing benefits to you should you become permanently disabled.

I hope that this helps anyone who thinks that Liberty or any LTD policy will be there if they should need it. It will not... at best you can expect a couple of years of benefits and then they will pull the plug and leave you high and dry. Keep this in perspective... Understand that you will only receive short term help... And make plans for life AFTER Long Term Disability. This is the only way you will survive this process. Remember, the cards are stacked against you, the courts will always support the insurance company, and even if you have a mountain of doctors and medical team support... you WILL NOT be successful. The system is designed to work this way. Good luck.

Someone on this thread was so right - they are dragging their feet so hard in hopes you quit and go away. I'm filing a complaint with the EEOC as well as looking into a lawyer. I have done everything I can to be responsible and staying in communication with them. An FYI when LMI sent out an employee survey on their employee like the company to work for.. only 34% said they did and even less said they would recommend to anyone one working there. Sad isn't it.

Updated on 02/02/2017: I have been trying to return to work since November of 2016 from an ADA absence. Many delays thanks to medication issues have happened. I had this happen once before in which HR was compassionate and didn't cause any more stress than what STD department does, first incident I didn't have to check in every day, paperwork and recommendations were promptly agreed to and I was able to return, doing so improved my performance considerably. Promoted, merit increase and many positive comments made. I had to go out again as there was an undiscovered underlying condition that needed treatment. This time let's say was the opposite of the treatment I received before. STD was more detailed. And I was watched more carefully. But was most deplorable is the flagrant disregard of the Federal ADA Title 1 regulation on HR's end.

The pressure of the new position brought out the new condition and as soon I discovered this I asked to go back to my prior position when it was shown that I could. I was told maybe... then left hanging. As if I would just quit. When I pushed back the HR people advised what my doctor as far as needing time off wasn't something the HR could do. My doctor listed "As needed" HR didn't like this. They wanted a specific number of days. The first one I had on file offered 2 days a week. I think I used this once, I make my appointments on my days off. But in the state I was in adding a 4th medication as well as coping with the new disorder as needed was what the doctor recommended. HR didn't care. They pushed.

When I was out on my first leave the HR reps were focused on my well being, advising I didn't have to call in every day, if there was a setback with a new medication (Lucky me if there was a side effect to any medication I will get it, then it's the matter of if I can tolerate it or we need to change) and the reactions were bad I had to switch and it out back my expected time of return all I need to is explain to my direct supervisor and it was ok.

Now... HR does not want to accept the doctor's recommendations, has dragged their feet authorizing a step back in position (I told them I didn't even care if it was a pay cut as long as it didn't take my hard-earned merit raise), when I did get that accommodation basically it was presented as if I was lucky to get it, and I asked for additional training to help me do my job. HR has brow beaten me from day one. I was getting tag teamed with two HR conference calling me at home confusing and upsetting me so bad I was in bed crying and shaking for hours. When I contacted STD they pointed me to HR, HR would point me back to STD. My emotional stressed increased. Then when I had to change medications again... this one causing bad vertigo I advised I wouldn't make the date I anticipated. I was very dizzy and often had to have help to keep me from falling.

The HR department gave me a bad time. Now what person in their right mind forces someone to come to work knowing that they not only could injure themselves by falling (Workmans Comp Claim) could also take a well meaning employee trying to catch them with. This is just the tip of the iceberg. Knowing the responses I have had to their "conference calls" she insisted on doing another. I advised I wanted to return to work the day of the call and pointed out the outcome of two other calls as well as advised the mental state I was in and what my concerns were. And her response "IF you make it to work we can have a private room for you". The last two times I was in bed shaking and crying uncontrollably. What makes her think that I couldn't be found in that private room in a corner a emotional mess. Imagine my humiliation not to mention the disruption to the entire company.

This is how these people of LMI treat valuable employees with ADA issues. All of my requests have been under the ADA as reasonable and in a company of over 45,000 it will be hard pressed to prove these requests are undue financial hardship. I wrote to head office yesterday. We will see. For your own protection document everything. IF THEY CALL YOU SEND THEM AN EMAIL RECAPPING THE CONVERSATION WITH ADVISE THAT IF ANYTHING IS INCORRECT please reply by the end of the day. Do not trust them to keep documentation. Every item will back you in a court/ADA case. Is it a pain, yes... is it worth protecting yourself, Oh yes.

When I left the company I filed a claim for long term disability with my my employer's insurance company. I was initially denied. I hired an Erisa attorney to help. After 12 months the claim was approved & I received a back pay check in October 2015. Two months later December 2015 they closed my claim saying I could go back to work. My attorney filed an appeal with additional information. Again LM overturned their ruling & reopened my claim issuing another back pay check for 7 months in July 2016. I received my monthly payments for August & September. Then my attorney informed me Liberty Mutual was closing my claim again after seeing their sports medicine dr for 20 minutes & no testing or looking at my medical records.

Now we have to appeal this again. My drs & vocational therapists have stated that I cannot work. I am getting Social Security disability Thank God! My medical issues have gotten worse & my pain is worse. The neuropathy is spreading to my hands now & my back pain has moved up my back to my shoulder blades in my cervical area. I have numbness in my fingers also. Liberty Mutual is a thief! They make you jump through hoops only to pull you back & put you through stressful fighting for legitimate disability claims. Someone needs to pull their license to do business! The government has seen fit that I am disabled. My drs who know my history & issues say I am disabled. Why then can't Liberty Mutual pay my claim & be done with it instead of this push me pull me scenario??? This is serious...but they treat it like a joke & make you out to be a criminal when in fact they are the criminal!!!

Every time I went to a doctor I automatically filled out a release of medical information form to release my records to Liberty Mutual and told the attending physician's office staff that this information from the visit was needed right away by Liberty Mutual. In the case where I was seeing a physician or specialist that I had seen previously and already signed the release of medical information form I just kindly reminded the office staff to not forget that Liberty Mutual needed this information sent to them immediately so as not to interrupt my disability payments. When I was given a visit summary at the end of the appointment I faxed those in right away to Liberty Mutual also. Second myself and Liberty Mutual Insurance kept our lines of communication open. I would call them and give them all upcoming doctor appointments and procedures that were already scheduled so they had a "history" looking forward so to speak.

I would also verify with them all doctors that they should have information from and if there was a doctor that had not sent them their notes I was on the phone immediately to that doctor reminding them that Liberty Mutual needed copies of my latest treatment notes immediately and my doctors always got them sent out to them. Now my short term disability is getting ready to expire and my case would be turning towards my Long Term Disability at which point I am starting to notice that it seems to be a bit more of a struggle and I'm not quite sure why that is yet. I do know that my case manager switched to a John ** who I have maintained communication with again by phone and by fax. I am hoping for a positive outcome in the continuation of my benefits but at the same time I must admit I am worried because health wise I have gotten worse but at the same time their approach to me seems to have changed a bit.

They do offer me reassurance when I speak to them on the phone and have said that they are moving towards sitting up my Long Term Disability Claim so I'm trying to remain positive. I think overall it is just a fact of being honest with the company and not overstating medically what is wrong but providing factual documentation from my team of physicians in a timely manner to Liberty Mutual. Some may say that I'm doing all the leg work when it should be Liberty Mutual doing the work but realistically one must remember that your case managers do not know what doctors or what procedures you are having done without your input and keeping them up-to-date or in-the-loop. Your case managers are probably handling hundreds if not thousands of cases each and so it is vital that you be on the forefront of keeping them informed.

My STD did run on 09/15/2016 but they assured me that once they gather all their information required that if it meets the necessary requirements that payment will be backdated to the last day of my STD which again was 09/15/2106. Next month I will be moving into LTD if all goes according to schedule with Liberty Mutual. I have only dealt with one "bad apple" and that was telephonically. I called back immediately and got someone different and they whole heartedly apologized and tried to reassure me. I hope this gives others a ray of hope in your case moving forward.

I went off of short term August 20th and I just got a call from Liberty Mutual on 9-15-16 and they say my claim is denied. Here I thought wow first time filing social security I got approved and this company denies me. I'd look elsewhere for short and long term insurance because this company is clueless because for one I'm in a wheelchair and two wheelchairs aren't allowed in facility so I'm guessing they're saying I can go back to work. This is my experience I have had with this company.

They denied my claim just a little over a week ago. I find it funny how it takes them over a month to finally make a decision. I was denied saying I didn't have a serious health or mental conditions. I was thinking are these people for real? So I haven't been paid for over a month and my bank account is low on funds. I filed an appeal to their decision so I had to resend all the information that was previously. I was told I would get an answer to my appeal within 45 days. I have bills to pay and no money coming in.

Now I was sent paperwork from my employer stating since I haven't gotten paid my benefits have not been taken out. So I have to pay out of my own pocket to keep the benefits. I feel again I am being forced to go back to work when I'm not ready. I know I will end up losing my job if I go back and I'm not medically cleared to. I've been thinking of hiring a lawyer but with hardly any money how can I do that? I've been reading these reviews and my anxiety and depression have risen even more.

Well told them clearly something's wrong and maybe they should have sent me to a doctor instead of a nurse. So they kept me on WC until I seen the doctor. Next day drove 20 miles back to same place, was seen by doctor, he did x-ray and came back, I had Baker's cyst. Well Liberty Mutual dropped me again. End of story there. Well fast forward I ended up quitting my job weeks later. I couldn't do the work anymore, long hours walking, standing and bending I end up getting a lawyer in 2012 because injury has not gotten any better. I end up having surgery in 2013. Torn meniscus, MCL, lateral patella was torn. Here it is 2016 still fighting to get $40,000 worth of hospital bills paid. I have not received a dime from these people. I have lost everything, brand new dodge truck $35,000, $140,000 house, EVERYTHING!

So here I am last month doing research and find this site and I also found out what a Baker's cyst is caused from!!! Well a Baker's cyst is caused by drainage from a cartilage tear!!! WOW SO I WAS DROPPED BECAUSE THE DOCTOR DIDN'T KNOW WTH he was doing as well!!! This whole time I am kicking myself in the ass for not looking up "Baker's cyst" just when I was getting ready to give up on my case!!! They just added fuel to my fire!!! I do agree on whomever posted a class action lawsuit does need to happen here. So many of us have been hurt and not able to work and have lost everything because they can't step up to the plate. I am 26 years old this injury happened when I was 21!!! Every day I have had to live with pain. on top of pain WC don't cover pain either which is **. They do people so wrong... SMH class action lawsuit count me in. My leg, body will never be the same.

My employer called me and explained that since I didn't receive benefits I owed them $1000 for the benefits they covered. During this discussion I found out they had so many employees off work sick and Liberty denied their claims too. My employer had to collect money for the benefits they paid for these employees because the disability benefits did not come through. Subsequently my employer dropped Liberty Mutual and went with another company. No doubt this is why.

This feels like a crime to treat people this way who have worked all of their lives. And since 2012 I have been to many doctors trying to find out why I was so sick? I succeeded at that. I have several other diagnosis, I had endometriosis so bad it had strangled my intestines to the point it changed their anatomical place. My doctor had to cut me open 10 inches up and down to save my life.

I then was diagnosed with diabetes, bursitis. And I am still just as sick as I was when I was working. I am disabled and I struggle every day with nausea, inability to get out of bed, the fibromyalgia paralyzes me. My intestines still hurt and make me sick. It feels like everything is too hard to do. I have struggled with being sick for 20 years. The diabetes has hurt my eyesight and I am so tired. They are still diagnosing me with things. I have lost all of my dignity, I have no income. And I thought I was securing my future by purchasing insurance through Liberty Mutual. Is there anyone that has started a class action lawsuit? I know plenty of people I worked with were denied. Please don't let them get away with this.

I wish I would've known that my hospital had hired this Co because I would've found a new job. I've heard of people having trouble with this Co and how EVIL they are. I just can't believe that they get away with it. After reading the reviews I can see that appealing this is going to be a joke. I do know that these people have to answer for this someday. I'm glad I'll be in a different place. It takes an EVIL person to take a job that hurts people who are in need of help. I am proud to say that I've tried to help my patients to the best of my ability my whole career. I would never do to someone what they have done to me. Shame on Liberty Mutual!! If we are lucky this Co will go under and all of these people will have to try to pay the bills in their houses.

I know there are people out there that abuse the system but my mother always taught us to work hard and be honest. Tears... I'm a late 50's female and I don't have my mom any more. I don't have anyone to lean on. I will pray for these people because they surely need it. I hope that all of the people they're hurting make it through their situation and become stronger and wiser from it. Thank you for reading my plight. God bless you all.

This is by far one of the worst companies. They clearly prove they are out to get your money and that's it. I pay them a good amount every month so when I need the help, it's there! But nope. Denied based off of a little girl sitting at a desk who has ZERO medical background. Amazing. I know I won't be paying into that company anymore. Oh and 7 years ago I was denied again when I was out for a hysterectomy. Denied for a hysterectomy. It wasn't serious enough apparently. The worst company ever.

I had to get a statement from my doctor office showing the 12 "successful faxes". MY CASE MANAGER LITERALLY TOLD ME THAT SHE DIDN'T CARE WHAT MY DOCTOR OFFICE SAID AND THAT THEY WEREN'T RECEIVED. Again, I have a lot to say and will do. I have kept a clean case file (3 folders now and 3 Inches thick each file). Almost 2 hours of video recorded conversations and voice mails. They claim that they don't like to email with their customers but do it anyway. With everything that is about to happen to you this will help you prove their deceit and lies. Will update you soon as I am meeting with my attorney this week! Protect yourself but if already have them listen to me and all of the other people on this thread!!

At the time of his death, we were living in a motel and because he died, my daughter and I were thrown out on the streets, due to losing his income. I had to live on the streets with my daughter and it ended with me losing all of our belongings in storage. That's where the paperwork was with the beneficiary details. Liberty Mutual Insurance company (his agent's name was P.J.) told me I was only entitled to 528.00 for 18 months. Because I didn't have the paperwork, I had no leg to stand on.

So as the months passed by, I lost my storage, my sanity, my car, and even my daughter. 528 did not even cover 2 weeks of rent in a motel. 18 months at 528 is 9504. I was left 285,000 which still leaves 275,496.00. Where is that money? My husband passed away thinking my daughter and I would have no worries and would be taken care of. He is rolling over in his grave knowing that our lives went to hell. I hope that me submitting this will start an investigation and perhaps even maybe eventually I will receive the money my husband left me.

We were unable to pay rent for 6 months and only by the grace of God were we able to get the money we needed to stay in our home with our 3 young children But I was denied benefits. I found a reputable attorney and appealed. Again I was denied. I paid into this insurance every 2 weeks for several years. I continue to be disabled and at 39 have great difficulty leaving the house. I go to my doctor appointments and drive through pharmacy, other than that I am home bound. Now I must use food stamps to supplement my family's income. It is humiliating. I have worked since I was 11. Now I have nothing.

Told him he was fired from my case then 2 weeks later I get a letter from Liberty Mutual Inc with a check for $2998 and papers to sign. I didn't understand the papers because I went to a learning center school and was very slow with learning disabilities. When I signed them and sent the letters off, Liberty Mutual Inc close my case and the lawyer that I had, he was fired from my case soon as my case got close, he left the company that he was working for. My case was close on October 19, 2006, they paid him off why they wasn't at the meeting at the courthouse with me.

I am living with Degenerative disc disease symptoms and Bulge Herniation Disc, also Facet Disease Symptoms and been dealing with these Severe symptoms all my life. From the time the injury happen, I will love to file a lawsuit against Liberty Mutual Inc for $500,000.00 and my Award Lifetime Benefits for Pain and suffering. Have to get Surgery done Very Soon, really need a good Lawyer to help me with this case.

I just saw my doctor today and apparently she had spoken to a doctor at Liberty Mutual, and within a five minute conversation the Liberty Mutual doctor has concluded that I wasn't an epileptic and has contorted all of my doctor's words around on the medical report. My doctor was very upset and had to call him back and correct everything. But when my doctor tried to call him back, the liberty doctor was just contracted and wasn't actually a doctor that worked on site. So obviously these doctors that liberty mutual hire to do their reports purposely falsify the medical reports so that liberty mutual can deny short term and long term disability claims.

I now Have to hire a lawyer, quit my job and apply for social security disability just to survive and feed my family. I can't believe that these companies do this to people who are in need...When I was working for more than ten years they didn't hesitate to take my money out of my paycheck every two weeks. It's my damn money!!! You owe it to me!!!

Anyway, they continually left me in the dark, they didn't find me as a priority or attempt to help me in any way and ended up denying my claim in full because they didn't have a diagnosis from the doctor. Regardless of the proof from work, the 2 notes from the doctors, the 10-20 office claims and visits I had physically sent them copies of. Instead of receiving my short-term benefits, which would have covered up to $3,000 of the out-of-pocket costs, I ended up paying everything on my own. In which, I still owe about $2,000. Total, it's come to about $4,800, which has definitely caused panic in this household.

I'm receiving treatment now and was approached by another short-term benefit service that may actually assist me with my claim. But, Liberty Mutual is one of the worst services I've ever had to go through and I advise anyone with a legitimate claim to avoid this service altogether. Find an alternate route if possible, because these people will leave you in the dark and will do anything they can to avoid assisting you.

The legal system in New Jersey sucks to say the least. It sad to know that there so many Doctors that will tell you one thing to your face and another on paper. I can only pray to my god what comes around goes around and Liberty Mutual loses billions for their lying in bad business practices. My email is ** if anyone would like to know more. Thanks for reading.

I have Multiple Sclerosis and live on a disability check. My utility companies are turning in notices for cut off before anyone is even caring to pay. I have so little money to live off of I can't afford to pay out what they aren't and have been proud of keeping an excellent credit rating until now. The Crisis Center has even had to be called because the stress of all this put me to the point to where I just wanted it to end. Four years of hard work gone down the drain because of **, contacted by Liberty Mutual using valuable time trying to prove I ruined my own home that I have put every cent of my savings into to what? Nothing better to do. Now they are pushing me to take whatever they are willing to give so they sound like they are doing me a favor just to get me back into my house. No insurance company should be allowed to use terrorist tactics to get people to give in and take less than what they paid for.

Need as many people as possible to get the laws changed. I'm thinking Change.org. I have had an L4/L5 herniation with nerve impingement... I am only gaining weight due to minimal exercise due to lower back pain and sciatica. Finally after a year and half, shots were authorized but now without a sedative. LM scumbags will not pay for that... I have experienced nothing but stall tactics since 9/10/2013. Anyone interested in class action lawsuit.. count me in. Anyone interested in signing a petition on change.org, count me in!

Now it is 3 months later and I have received the third notice from a collection agency. I contacted my HR and the representative from Liberty Mutual. I was told that it was paid even though I had contacted the pathologist and they still hadn't received any payment nor had the collection agency. I am sending payment in myself and hoping that I can be reimbursed later but it is not worth risking my son's credit rating. I will never intentionally have Liberty Mutual as an insurance company and I will tell anyone that is looking for insurance to steer clear of such a dishonest company.

Their representatives on the phone are nice at first - they are lying to you. They will record every phone call and use it against you. YOU should record every phone call too; they will quickly become abusive in ways you can't imagine. I had heard this but I simply couldn't believe that a company would operate so immorally and unethically. But they do, and they will do it to you, too.

They will deny your claim. It's not a matter of IF, but WHEN, and HOW OFTEN. They denied my claim because they said they didn't have medical records - which were sent, and re-sent, and finally sent registered mail/signature required and they STILL said they didn't have them (until the signature required proved otherwise). They hired private investigators to follow me - THEY ALWAYS DO - and the PI saw me doing nothing but staying home, or going to the doctor. So they lied and faked evidence. I hired and attorney and proved it, so they invented a new/third reason: they hired doctors on their payroll to lie about the records.

DO NOT TRUST LIBERTY MUTUAL. If you have the misfortune to have a policy with them, then locate a good lawyer NOW because you will need them. And save your money because those lawyer fees cannot be reimbursed. When you are at your weakest, your health most frail, your finances at risk? That's when LIBERTY MUTUAL will target you and strike. Their very best hope is that you either die or become so desperate that you try to earn some money to keep your family afloat. And they don't care either way.

Lesson learned to anyone who gets the first denial letter from LM... hire a lawyer immediately so that they can help you with the appeal. LM is a crooked company that uses every tactic possible to deny people's claims.

Now they are trying to tell me that I owe them $3500k from ST I should of never been paid. Why would they approve it if they thought I didn't deserve it? This company takes way too long on their claims and getting back to their employees. It was the worst experience I've ever had with a company, being they're an insurance company they know what they were doing. Now I'm trying to find a job and can't because of them and I can't even collect unemployment because liberty is fighting it tooth and nail. Do not work for this company.

First it took several tries to even get the correct contact information for the person who was supposed to be handling my claim. Then she could give me no detailed information about what would be needed in order to reopen the claim and have it reconsidered. Just a general statement of "submit a letter in writing requesting that the case be reopened and send anything that you might consider relevant that we don't already have." She was also initially unable to tell me what had already been received, so I had no idea where I was starting from. I pressed for details, but was unable to get anything more helpful regarding what was insufficient about the documentation they already had.

I got in touch with both specialists, asked them to send anything regarding the case that hadn't already been sent, and requested that they write to the insurance company and state specifically their medical opinion - was the situation unusual, was it a valid reason to request an extension, and what amount of time they felt was reasonable under the circumstances. A few months later, I received a denial. The denial was based partially on the insurance company's misrepresentation of statements in the medical documents, specifically my opinion of my level of health. (Apparently admitting to an improvement after surgery and medication was tantamount to declaring full recovery, despite the continued symptoms and need for treatment.)

Part of the denial was based on there being no evidence that the claim was warranted. (Despite the statements of the two medical specialists.) I followed up on the denial, only to be sent back through the same process - the representative said to submit in writing my final appeal, submit any "relevant new information", etc. I was then told my case was being handed off to another individual, but could not get any details about the status of the claim, what information they had already received, or what in the medical documentation and specialists' medical opinion failed to meet the criteria.

A few months later, I receive a second denial (full of statements claiming they had clearly fulfilled their obligation and considered the matter closed). It was a farce. I had to use this company because this is the one my employer contracted, but it is clear that they will not cover even valid claims unless they are forced to do so. And short of hiring a lawyer and taking them to court, I don't see how they could be. I do know that I will not voluntarily do business with them in the future, and I will be advising anyone I know to avoid them. A policy through them would likely be nothing but money wasted.

Then, while the Doctor's in the operation, his office get a denial for the surgery, they had approved as part of his treatment options. 2nd WOW!! So believe me this company has lost all its trustworthiness in my book. I would not buy, nor my family, any kind if insurance from them ever. We all know this type of tactics of neglect comes from the top of any company, read all these reviews. In Nov. 2012 work comp. sent her to several doctors until they found someone to agree to return her to work. Near this same time, Social Security was involved, and was sending her to its Doctor's too.

As to shortening the story, the end results, she finally was awarded S.S. Total Disability. April 2013..This does nothing to help a case or effect liberty mutual tactics of dismiss, deny, delay. They choose to say, that Social Security disabled her for other reasons. It's not due to the fact she cannot move her neck, and cannot drive, or lift her arm above head, and severe pain....NO! NO! THIS IS NOT DUE TO THE WORK INJURY!! 3rd WOW!

From the time she received Social Security disability till now, we were able to get her on Medicaid and her pain and suffering from the injury is ongoing. I AM sure liberty mutual can defend themselves, and say they didn't get this report or that paperwork and continue to use the 1- 2- 3- step and repeat it over, and over, delay, deny ,dismiss.. Why don't the case workers just say "look" we got the paper work but, a three week delay is in affect on all new paper work received, before it can look at it. IT’S TIME we all forget their lousy small settlement offers and go all in to a full "bad faith" Law Suit to send a message. GOOD people will not stand by and take such abuse from any so called assurance company. TRUST ME I COULD GO ON AND ON about these abuses but I believe we all know it’s just time that we all did something. Thanks for reading and say a prayer. No capital letters on liberty mutual was intentional.

On December 15 I had received a call from Liberty Mutual saying that my claim had been open too long and that I was being denied. I replied "For what reason?" Their reply was that they had not received paperwork and were not able to get a hold of my provider. Again I immediately called Highmark and had them fax the authorization again!!! Of which Highmark had fax logs dating back to September showing that they had faxed that information. I called Liberty Mutual again stating the paperwork was being faxed promptly and to return my call to let me know they had received that paperwork along with my letter of appeal.

I left a message with my disability claims manager's manager. Today 12/19/2014 I get a call at 530pm from my disability claims manager stating again that they had received the paperwork from my provider but it was just the authorization form I said so give them a call and get that information. Her reply "At this point your claim has been open too long, and that is up to you." REALLY!!!!! Stalling and Stalling complete sham of a company and of course my provider was closed for the day and now I have to wait till Monday the 22nd of December. How do you start a class action suit because at this point I am really considering hiring an attorney.

Weeks later: denied. Apparently I was not "labile" enough (my doctor's words for my behavior) because doctor phrased my limitations to care of myself and my son. If I can care for my son I must be fine, never mind my husband was helping me full time. Oh and my severe panics at any obligations was not under any official diagnoses (uuum, generalized and social anxiety?). Ok, let's do a more detailed description of my home life and fill in the blanks, extremely upsetting but no problem. At this point I was so shook up even more by the entire process that I would have been hospitalized if not for my mom stepping in to take care of me full time, and my doctor indicated as much in both a letter and a new detailed document updating them on my progress. I felt pretty confident my claim would be accepted because how am I supposed to work when I can do the bare minimum to care for myself.

No. Liberty continues to pick apart my case, saying my OBGYN never commented on my emotional state in their notes (they saw my emotional state but because they already made note I was receiving treatment from a psychiatrist they didn't address it further in my file!), and somehow they decided to completely ignore all my social limitations this time and say that because I still shower myself I must be Ok to work. The whole process has been completely ridiculous and a crock. I don't understand how they can legally claim to provide services that they don't intend to provide for and I wish our legal system would catch up. I'm in the process of getting my complete file and contacting a lawyer, but I will never speak well of Liberty Mutual.

This same doctor ordered a stability cast for my ankle with willy-nilly instructions as to true usage. The cast or shoes could not stay on long due to the painful burning so no true results could be seen immediately. I start questioning the doctor about his "help" & dismissive nature and we had an exchange of words which finally resulted in a referral to a pain doctor. After sharing my dismay about this doctor with a case manager it was apparently documented as "complaining". Wrong meds, dismissive behavior and false notes resulted in an unnecessarily prolonged recovery and created a negative view and environment for me as a patient and worker. I repeatedly was reminded by many that I should have been healed, that WC didn't pay forever or that I should have been back to work. This made for uncomfortable doc visit, gave me anxiety & a hostile environment overall.

During all this I still had not seen a doctor for my shoulder. This had to be inquired about and this horrible process starts all over again. Yet, the next doctor insinuates that my use of a cane was a ruse, raises his tone to explain that most WC people lose their homes, cars & jobs due to trying to stay out of work. Many times I have left a doctor visit in tears. Upon returning to this doc I had to argue for a MRI only to find torn tissue (needing surgery) and that my pain was genuine. I decided to record the unbelievable rants and upon a phone call to a case mngr told her my reasoning, she told me that I had complained about another doc.

I received a new doc who says that no surgery was needed. Return to work and take a cortisone shot! At no point were any doctors held accountable or their decisions reviewed. The doctors send what they want in notes, exaggerate their work and label patients as difficult, with no recourse. Liberty Mutual's choices, practices and treatments leave a worker to feel abused, tormented & having no voice.

I have documented my pain and visits in a journal. This WC/Liberty Mutual experience has been that the doctors are on a time frame to return workers to the employer, the patient is "labeled", they are patched up, that the patient is to just take who Liberty Mutual decides, that the patient is the problem and that the patient is a leech or faking. Liberty Mutual has repeatedly stacked the deck in their favor and made workers feel dehumanized, low and denied proper treatment in anticipation of the worker being in dire straits. This behavior and tactics call for true action and a revamping of their business practices. Audits of the case worker, huge fines and a class action suit should befall Liberty Mutual quickly, as they appear to have gone unchecked for too long. Alone in NJ.

The pain Dr had a 3-month wait so I found another who actually deals in therapy as well. He clearly defined what was needed and I received 2 ESI shots June 23rd and July 7th for Degenerative Disc in hopes this could get me pain relief so I could start some physical therapy to strengthen my core and still they declined indicating I did not do enough alternate therapies. I am at my wits' end. I have a volume of paperwork all saying the same thing, from 3 doctors.

I also have notes from 2 of the doctors who were irritated because Liberty had used their notes in a wrong context stating I was doing physical therapy and I was not, and that my GP did not indicate a reason for me to be out. Both like I said were irritated and gave additional notes clearly stating my disability. My next direction is BBB or Insurance commissioner of Ohio. Any help would be appreciative.

Worked 35 yrs. on the books. Worked for decades with the above mentioned issues. Finally at 52 yrs. of age, I had to say I cannot work anymore. Dr's have told me for past decade I should be out. Liberty approved the STD, then they approved the LTD. Was collecting the LTD along with SSDI for past 2 yrs. only to have Liberty deny my claim. This denial will be causing our family to lose our home of 14 yrs. It will also limit how much help I may provide my three children with their college education. This denial will affect what we eat, what we do, and how we live. They have all the documentation of my conditions, medication, and limits. But still they deny us. Why? I should mention that I even paid in extra $$ for 20 yrs. to have LTDII.

Updated on 07/23/2015: This is an update from my last post about Liberty dumping LTD claims at the 2-year mark. WOW, have I received an education as to how they (Liberty and other Insurance Company's) deceive and screw you at the 2 year mark. 1st: The paperwork they send to your physician to be filled out WILL be used against you at 2 years. They only give the Dr. 3 choices to pick from: Sedentary / Light Duty / Full Duty. So Dr. checks Sedentary as it's the "least" activity they offer. Now when they dump you at 2 yrs. they will tell you that even though you cannot perform your old job, you can do "some type" or "any type" of desk or sit down work. Even though you can't. And Dr. even states in writing you can't perform sit down or sedentary work.

2nd: My suggestion to ANYBODY who knows they are not going to be able to work, and as soon as you start getting STD to contact a reputable Disability Lawyer. I know... I despise them too, but you will need one. It will be WELL worth the money you pay them. You will need your Family Dr. and your surgeon both on board with your inability to perform any type of work. You will need a F.C.E. (Functionality Certification Exam) performed by most Physical Therapy Groups. My suggestion is to have your Lawyer "refer" you to one he has dealt with during his years working Disability claims. You will also have to write a lengthy and detailed "Personal Statement Letter" stating why you can no longer perform ANY type of work.

UPDATE: After going through all the above and 10 months later I have been awarded my LTD benefits back. I received my back pay and that month's pay on a Tuesday, on Wednesday they sent me a stack of paperwork to fill out, like I was just starting LTD. The week prior they had all my medical info, both Dr's statements, FCE results stating I was at a less than sedentary level. But still sent me their ** like paperwork asking how often you bath, who shops, who mows, how long I can sit, how long I can ride in a car, etc, etc, etc. No worries for me, as my Lawyer will complete this paperwork for lifetime of LTD benefits. Number one thing to do? Hire a disability lawyer.

Liberty Mutual said that I could appeal but that would take 45 to 90 days for them to make a decision. It takes forever to get benefits started and now possibly looking at another 3 months without any benefits. The whole process is designed to force you back to work and off the insurance to save them money. If you want the security of this type of insurance, think twice before you invest in a Liberty Mutual policy.

By the week after New Year's, I was a basket case. It was then that Cynthia ** began noting my mistakes in emails, etc. stating she had trained me and I could not "anticipate her needs." She also told me she "did not wish to converse" with me any longer, not to speak to her at all. HR would not give me ADA paperwork to file for accommodation for my anxiety disorder. I went on paid FMLA. Then I contacted Liberty Mutual. Oh. My. God. The first case manager, Vera **, was an all-out bully. She'd threaten to cut off my benefits, claim she had lost paperwork the doctor had faxed.

I routinely contacted my doctor and found they had faxed the documents requested and had fax confirmation sheets. Then I'd call Ms. **. Oops. Found it. In the meantime Ms. ** would call at least once per week to "ensure I was under a doctor's care and following my treatment plan." She about came apart when my psychiatrist closed her practice and there was a waiting period before I could start seeing a new psychiatrist. Ms. ** then began contacting my therapist. I am now seeing a psychiatrist at a teaching hospital. I have a diagnosis.

Now I'm at the second year of my claim. This means I must prove I can't do any work. I HAVE BEEN APPROVED FOR SSDI. They don't give that out like Monopoly money! But according to the Walmart policy, that's not enough. There are "additional requirements." NO ONE WILL TELL ME WHAT THOSE ARE. I went for testing 3 hours from my home. I had three days' notice to get a house sitter and make myself ready for the test. When I arrived at the consultant's office, the doctor did not have my records, did not know who sent me, did not know what tests were required.

I called Liberty Mutual at lunch and they made sure the records were sent. The doctor administered memory tests, pattern recognition tests, some sort of test where I had to replicate pictures using blocks and the MMPI-2 which has been discredited and revised! Now there's a mysterious second test no one has scheduled. Kerry **, my case manager and her supervisor don't know what this testing is, when and where it will take place, etc. I have had to accept a reduction in monthly benefits due to an overpayment that exceeded my SSDI back pay. I had to answer questions from Karen ** of Liberty Mutual about how I'd spent the money from my settlement. Umm ... house payment, paying past due winter heating, paying past due car payments, paying past due everything. These people are horrible. Absolutely horrible.

Now in 2009, they started offering me MONEY ($54,000) for my future medical. I said NO, and every year they keep offering me LOW money, HOPING that I take it and then Medicare will have to pay my Medical or Tax Payers. I need 5 more disc Out of my back, I have had 3 taken and in the future Medical Report I need more surgeries that Tax Payers will come up with... Since I keep saying NO, LM stops paying. I then go to COURT and I get Paid, But NOT all go to Court to fight.... LM last offer was $428,000 in 2013 with only $75,000 in a Medicare Set a Side, and After all the Money is gone, Medicare pays... Or Tax Payers... But will this cover my Future Medical? NO. LM has paid $125,000 worth of teeth that was caused by my Work Injury with they put me On Rx Opiates that took 20 of my Teeth.

LM keeps fighting me, all because I say NO. I took this INFO to my Federal Senator and they can't HELP me... even when Medicare will go broke from all these MEDICARE SET A SIDE that started in 2006. Now LM after W/C Court told them LM to pay me for my Medical, my two doctors' visits.... but NOW they have stopped my DDS for the damage to my teeth. I will go back to W/C Court and have the Judge tell them to.... Liberty Mutual believes they can just STOP paying when WE all have Ins from them. When we pay for Ins or your Work Does, we want what they said we would Get if & when we need to use It. This was a lie. They use DDD, Deny, Deny, DEATH.... Many patient die.

I need Medical Care and Liberty Mutual is responsible since 1992, but they are FORCING me to take a settlement AND than Tax Payers or MEDICARE will have to pay for Us Patients on W/C.... Many Patients since 2006 have taken this. WHY DO YOU think Medicare is going broke? Liberty Mutual HAD no problem paying for **, Rx Opiates, but they will NOT pay for **. But SOON a New Medicine will be here called ** that is made with Cannabis. Liberty Mutual doesn't want this medicine for ME, it will cost MILLIONS for future Medicine. I got off of Rx ** and 13 other Rx's with only Cannabis. NOW a CANNABIS medicine will hit the Market Soon, they want me to take a LOW offer for what MY Doctors believe I will need 3 Million in Care or more but $75,000 will never allow me to have any Future surgeries.

We that are disabled need NO to fight for what we are COVERED for, real Medical Ins Coverage..... NOT DDD, all because they FIGHT Us Patients to save MONEY for their Stock holders. Who will pay for my Future Medical? Liberty Mutual or Medicare Set A Side or TAX PAYERS???? Write your Federal Senators and tell them to STOP allowing Ins Co to keep forcing Us Patients to take it and Tax Payers fit the BILL. Since 2006 this is happening. MEDICARE is going broke from this ONE thing. Look it up, Liberty Mutual needs to pay my Future Medical, for this will HURT their Business with the WORLD being online now. I hope LM see this and response to these FACTS of my W/C Case.

I found out I got disability in September and immediately called and told them. I was told my income from them would be cut down to $50 a month. My last visit with my therapist was on September 17 due to loss of insurance and the office manager not being satisfied with the amount of money I could pay to catch up my account. I'm not eligible for Medicaid or Obamacare and was actually told by the website to seek help at local low income healthcare. On December 2nd my case worker called me to let me know my case had been denied and closed after September 17 and that I had to pay the money back they had paid me knowing I was receiving disability. She claimed I had never talked to her in September which I have a witness to.

I received the papers today and the major denial was because I had a business as of September. I have called the therapist and been told that's not what he said. I'm trying to decide if it's worth me fighting because of all the info I've seen on here. What I don't understand is it actually only took me three months to get disability so how can they say I'm not? I don't have insurance and can't find a therapist and am trying, so why am I being treated this way. What makes them think they can get away with it?

Needless to say they tell me to file an appeal. I file an appeal and submit all my doctor's records along with my MRI results. A doctor from Liberty Mutual who never examined me states I only had whiplash and should have returned to work 3 weeks after my accident. Meanwhile my MRI results so several bulging disc and herniated disc in my neck and back along with another test I took that shows I have pinched nerves. I am 38, in constant pain. I have had several injections in back and I walk with a cane.

Now Liberty Mutual has a lien on my settlement, to recoup the monies paid to me while on disability. My lawyer asked them to lift the lien b/c without this money I may lose everything I have. I have applied for disability through the government and I am waiting on a hearing. I have had to apply for social services but that is a process. My lawyer has reached out to Liberty Mutual and their attorney and they have been anything but helpful. I even went so far as to email the CEO of Home Depot and call the corporate office and all I get is the run around. No one seems to care that I could end up homeless.

They didn't include it in the denial. You have to read closely for that one line that says I sit at a desk all day, with a headset doing data entry? I walked miles a day. We are the highest paid. So after finding the appeal was denied for the same job description and not my real job description, I am angry. I have no life, no career and constant pain and a permanent disability because 2 people made the wrong decision. I went back and looked at the other 3 this case worker denied. I was always freaked because I had days to return or lose my job. I never realized they had pulled the wrong job description, so it goes back a couple years. I would like to know the recourse I have. I am metal on metal, lost several inches of my thigh bone, medal socket and joint, and a 10-inch rod down my thigh. I can't even bend over or get on my knees, and I was very active before this.

I am not overweight at all. I was in great physical shape. I climbed poles for years as a tech and I am now reduced to this little old lady with no life and sitting on a couch waiting for her days to end... Liberty did this to me and I want to make sure this lady loses her job. I'm just lucky I have sons who help pay the mortgage, and I have no other bills or I would have lost everything. That two people can make the decision on my life, my health and my pain, my future and were wrong? If a doctor had reviewed the letter, and results, the tests, no way would he have turned me down. My surgeon said it would be malpractice and they are floored. Liberty did this and think that's why they are being nice to me now.

Having been dropped by my large Cable company as a provider, they have to continue mine since we had them when I was out, that they are hoping I don't catch on, and I want to make sure I file something. I had surgery in Feb 2013, the denial was June 2012, so do I have a statue of limitations I need to be concerned about?

After this was done, Liberty started to deny anytime I had to go out. Doc's wanted me out for months to stabilize and find what was triggering the auto immune response. Just walking short distances I would be winded and ended up in Congestive Heart Failure. Still Liberty would deny STD and Appeals. Last April 2012, I was out again, losing 3 months of pay and commission at a time. When the pain got so bad, I had trouble walking. My son carried me into the ER, and the x-rays showed the auto immune and RA had destroyed my hips.

Liberty denied me STD, the doctors wrote letters if I return to work and try to walk my territory I risk injury, further damage to my hips, possible disability and even a hip replacement. Someone who has a thyroid storm or crisis, which can be fatal since it causes tachycardia, congestive heart failure, controls all your organs, and I forgot to mention I had Fibromyalgia pain. So one isn't up to always reading everything. I was so fed up since the docs said if given STD I qualified at that time for outpatient resurfacing and synovial replacement which would enable me to go back and do my job.

While reading the denial, I realized they had the wrong job description. They had me as a customer service rep sitting at a desk all day with a headset and doing data entry. I was a door to door sales rep, a lot of walking and stairs. I notified our HR, and they immediately sent Liberty Mutual the correct job description. Letters from Specialists, x-ray results, everything needed was produced, and still I got denied by a nurse at Liberty Mutual.

I had no choice. The docs wrote a release against their better judgment and warned them again what could happen, but if I didn't return to work I lost my job, no FMLA left, and I have children and a mortgage. I returned June 26, 2012, I was in agony for months. By Sept, I could barely walk, and we had to produce 40 door knocks a day, 10 business cards, 5 appointments, and 2 sales. The sales I got. I decided I had so much vacation I would use some up since I couldn't carry it over to 2013.

On Oct 22, I took off and by my 3rd day off, trying to just walk up to my mailbox in my front yard, my right hip went out; the pain is horrible. Needless to say, I was out again, but because I now required full traditional hip replacement surgery, very invasive and very painful, Liberty approved me. It's now 10 months later. I am on Long Term Disability, received a letter from Liberty I would need to check in next April 2014.

I have a new case manager who seems nice. She called the other day and will need to get current docs notes, which is fine. I go once a month, and my hip has gotten worse. Don't know yet if it's the metal on metal, a recall, a failed hip replacement - hard to tell, it's still too early. It will take a year or two before they will say it's a failed hip replacement. I can't walk far without a cane or walker most of the time. I will never walk normally and my auto immune disorders were set off by pain. I am a total mess, someone use to making over 6 figures now reduced to 60% of my salary and commission. I have to pay out of pocket my health insurance and other benefits.

I am going for SS Disability, even using their lawyers to get it through. Drs said I won't be able to do anything for a long time if ever - can't sit long (I was cut all the way across the back hip), can't stand, can't balance, can't tie my shoes, have to sit to dress, can't stand in a shower or sit in a tub, require a bath sitter, and in pain all the time. While looking at paperwork, I was dismissed from the company early Oct. I was out over a year and understand, but my whole career as a top sales rep shot, gone, my income gone, and my Cobra is outrageous, and to top it all off, while putting everything away in files, I read the entire denial from last April 2012, and found they never changed it to the right job description.

Liberty never looked at what I sent or HR sent and didn't look at the doctors letter, just re-read the doctors notes I was being treated for pain; never looked at the specialist notes, so they denied me under the wrong job description. My company, who is on this site and has been good to me so far, got rid of Liberty Mutual in June 2013, and I believe it's due to all the complaints and denials. My company opened up a Workers Comp as well since I went back. Told my boss I was in too much pain to work, asked to go home and he said, “No, I had been home enough and as a top sales rep he needed the sales (he has since been fired, but for not performing) so he denied me to go home and my hips went at work.

So now, Liberty has a Workers Comp to handle as well and I think it's why my case manager called me. I don't know if they have tried surveillance or what the past 15 months. I only leave the house to go to the doc, pharmacy, and never without my cane at least. I can lean on a grocery cart once in the store, but I do no shopping, yard work – nothing; I can't. I just lay with ice and heating pad and feel depressed all day and now knowing none of this would have happened had my case manager at Liberty approved me last year in 2012. This wouldn't have happened. I would still have my job.

I am upset and wonder if I have legal recourse against them. People say I do; that they ruined my life and career and she did not do her job by looking at the denial. Nothing changed, she didn't look at the job description - the one both HR and I sent her, and she got it because we both got receipts but the denial is based that I sit at a desk.

Sometimes I wonder if these supposed doctors even exist! I feel for all the individuals that have had negative experiences. I could fill volumes with all the hassles I've had to deal with these past 20 years, and am continuing to deal with! I would reopen my case, but my accident happened in KY, and I live in CA now. Plus, when I did talk to a work/comp lawyer in KY, he wanted a 5,000.00 retainer just to file! We, the insured, need to start doing more than just vent on this type of form!

They have declined my claim as of Friday. That night, due to stress, I had another grand mal. I will be returning to work next week. I have had 6 grand mal seizures in the past 2 months and countless petit mal seizures. Neither my anti-depression/anxiety is controlled nor my seizures at this time, but Liberty Mutual has deemed me fit to work due to lack of medical records. They requested a letter from my neurologist stating I'm having uncontrolled seizure activity and what their plan of action is, along with a recommendation not to work until ___ date. My neurologist provided this and I have still been declined.

I'm frustrated that I will have to return to work and have seizures while working, AND the only reason I'm returning is because I'm forced to due to financial concerns. Thank you Liberty Mutual claims for wrecking my chance of stabilizing my health. I wish people understood epilepsy better. Just because you can't see it 24 hours a day, 7 days a week doesn't mean that I'm not affected on a daily basis. You have given me no faith in the system and now anytime in the future I need short term disability, I will most likely not take it due to this experience with the company.

I was so stressed because I was terrified of going back to work. I had an episode right in front of him. After viewing this, he immediately took me out of work. I had to have a friend come and take me home. I notified the store management. I was told to contact Liberty Mutual. I did and at first, my case manager seemed very empathetic. After my MRI came back and no tumors or abnormalities were found on my head, neck or spine, then things started to change. I went to the Neurologist with the MRI results so he could go over them. I had so many symptoms he decided to do all of the electrical tests on my brain and nervous system. The result is that I have neuropathy in my right leg. What they used to call tennis elbow in both arms.

My case manager did all the things everyone else is complaining about saying I didn't get the requested information from the doctor (an outright lie), stopping my payments and then catching them up and then in September denying me any more short term benefits. I had to appeal and just like everyone else that dragged on until February of this year. Then they denied my long term disability payments. I had to start the appeal all over again. Now it is June and I'm still in the first appeal of my long term disability claim. I have been diagnosed with Chronic Fatigue Syndrome as well as the other physical disabilities I have.

What does Liberty Mutual do but send me for a memory test. My doctor just told me that my memory is within the standards for my age. I have a deficiency when it comes to recognizing symbols and colors though. It showed I have some depression. They jumped right on that when they talked to my doctor. So far, they have not told me if I am denied still or not. My doctor said he is not surprised that I'm depressed. I have all these physical impairments plus I have depleted my savings and am borrowing from my sister to pay my expenses. I have to deal with the emotional stress Liberty Mutual is putting me through with their lies and deceptions. Everyone who works for them must have a psychopathic personality. I can only pray that God will punish them for all they have put all of us through.

When I told my lawyer this, he tried to contact them by phone, as well as mail, with no success. This went on for about 6 or more months. My pain was getting worse and it seems like they didn't care. I told my lawyer that I need to see a doctor and went to one on my own. I paid all my insurance deductible and whatever other cost that came with it, including RX. I was being treated by my personal doctor for about 7 or 8 months. Finally, my doctor requested that I stay home for a few weeks after my last back injection. I then called Liberty Mutual again to let them know. Finally, my case worker contacted me just to tell me that the statute of limitation ran out. I told her that I, as well as my lawyer, contacted them over a year ago. She told me that she had no record of that.

I called my lawyer right away to let him know. He made a call to them and then like magic, they found all of his letters. They told me to see their doctor. When I went to their doctor, I was told that I need surgery. While I was going through pre-op testing, Liberty Mutual said that they were going to send me for a second opinion. Of course, that doctor said no surgery was needed. I then got a third opinion (on my own) and was told that I did need a surgery. I asked my personal doctor about his opinion, and he suggested that I would need a surgery or consider another occupation. Needless to say, I had to pay for the surgery out of pocket because Liberty Mutual refuses to pay for any treatment.

I received threatening letters from Liberty stating they requested doctor notes and if I do not get them from them, they will cancel claim. Again, doctors had sent the notes and had supporting documentation. They are requesting information and then going on vacation while leaving no one to cover cases. I have been made to feel like there is no support and that every small thing that Liberty can use they harass me and cause my symptoms to be exacerbated. This is an insurance that I paid into for years and am treated so horribly. I have now had four different claim managers and am going through yet another review which I'm sure will be long lasting.

My recent MRI shows a 1.4 plaque on my left frontal lobe which when I researched potential symptoms when the left frontal lobe is damaged, it supports fully all the symptoms I've shared with my employer, my doctor and Liberty Mutual. My MRI also revealed flow voids bilaterally in my carotid artery which supports this agonizing fatigue I have. Today, Liberty Mutual called asking if I planned on appealing the decision based on my recent MRI results to which I responded yes but has a different decision been made since receiving my MRI results and she said no, that my claim was still closed.

When I have to deal with an unethical company like yours, it's simply overwhelming. I believe I currently have other insurance policies with your company. I am going to check and if I do have policies with you, I plan on canceling them immediately. I encourage others to do the same. I'm not asking for a handout. I have a chronic, well diagnosed illness that I have been dealing with for years. I have had several surgeries and at times I have to take very strong painkillers. For your company to deny my claim without doing a thorough investigation is a shame. Your questionable business practice will catch up with you. I hope a whistle blower or someone in your company does the right thing and exposes any wrong business practices.

Also, I believe it is an issue where they do not want to pay the people even after taking their portion to become financially stable. I am very much displeased, but I am determined to fight this because I am not capable of performing my assigned duties.

Liberty Mutual denied my short term twice which was then overturned by my employer. Now they have denied my long term twice. Even though my body is basically useless, they say that I can sit at a desk for 40 hours a week. Their doctor accused me of lying. I must be pretty smart to have planned this beginning in 2004, have had doctors perform surgeries, for what, to appease me? Does he think my attending physician is a liar also? I think it was unethical of their doctor to so blatantly accuse me of lying when he has never even spoken to me. My lawyer says the next step is Federal court. Lord only knows how long that takes. After reading people's comments on Liberty's Facebook page, it is obvious they enjoy destroying peoples lives. It ought to be criminal.

They don't care. They don't want to pay, so their profits are higher. Even though I pay a premium out of my pay for extended leave and have a certified doctor signing my leave of absence form, it's not enough. When did our own doctors lose control of our health? Isn't this America we live in? I have never been on a stress leave, and it was not a vacation for me. I was so over-worked because of downsizing in my company. I was having panic attacks, depression, and anxiety. After six weeks, I went back. My whole job work load changed because management realized what I did. No one is looking at the real picture. All the notes from my therapist and psychiatrist mean nothing. Liberty Mutual is playing God with people's lives, and they don't care. There needs to be accountability with this company.

After examination and many questions for me to answer, he advised me I was in this small percentage of people with IBS who are hypersensitive to medicines to help with the diarrhea or constipation. So, I will have to take medication when cramps are extreme and try relaxation techniques. I was out for six weeks. They denied my claim except for 18 hours. I was out 240 hours.

Second experience I am into now. I also suffer from COPD, severe anxiety, bipolar, depression, severe pain in my hips, knees, shoulders and legs. I filed in late August for short-term disability. As far as I know, they received all information before the end of September. I received the same answer I have been getting for quite a while now when I called Friday - it is in review. I did get a final review answer today, but I can't get a definition of what that actually means. I also called my case manager to let her know I had new information from my pain management doctor and my information of the outpatient program I am enrolled in. She said she didn't need it. How can they not need it. It is pertinent to my STD.

So, by this time next week, I won't have gas and electric and by the week after that, no water. I have sold some furniture and gold (most of my gold). I received money in exchange for my keepsakes; it was hard to do. It hurt especially when I had to take my chain and cross off to sell it. It looks like my case is in "pending" still. Gee, that helps a lot with the bills. Of course, the medications I need I don't have the money to purchase. I keep running out dog food and was denied food stamps when I have check stubs that say 0 gross income.

Ok, I would like to thank you for letting me vent in this forum. I want to find out how to get a petition going against the procedures and policies of Liberty Mutual Insurance Company. I sign them for the causes I believe in. I think this issue would open up a lot more claims being denied or shortened, all without proper legal practices in my opinion. Thanks again, and I truly hope some of the people here get some sort of relief.

Is it common for one to be given/offered narcotics when there isn't a true injury? Honestly, 20 years with this company and I am paying into a disability company that is judgmental, not medically knowledgeable to make decisions on how my body feels! I am disgusted that this is the first time I have required their help and they shut the door in my face! Anyone that has ever experienced pain from these types of injuries would never force another person to work and aggravate the injuries even more. It's purely heartless and a clear lack of medical expertise on their part! Wow! Is this really what health care has become? I'm disgusted. I am not the first in my company that has had a terrible experience with this awful company, and I am sure that I won't be the last.

Now Comcast states that Liberty Mutual said that I was supposed to be back to work on September 1st, 3 days before they even approved my claim. I had to call Liberty Mutual and leave a detailed message about getting the claim extended. I didn't receive a callback after a week, so I called and left another message. It was the same as before, "We faxed requests to your doctor and they haven't faxed anything back." B.S., I have always stayed in close contact with the doctor's office and they never received anything. Finally, I went and collected my patient records, for a second time as this happened in the approval process, and faxed them in.

I called a week later to see what the holdup was and left another message. Whoa-and-behold, the next day 10-04-2012, I got a call from my case manager. She stated that it would take 5-7 business days for another department to approve or disapprove the extension. So now, I sit and wait. How long will it take to get a second check? For the approval process, it took 20 days after they approved it and I had to call both Comcast and Liberty Mutual as nobody speaks to each other. My next doctor's appointment is 10-08 for Botox treatment and it will cost me $125+ that I don't have. Am I supposed to rob a bank to get treatment as STD hasn't worked out at all?!

After this they told me that I also needed to write a hand-written letter and either mail or fax it in and state that I wish to appeal my claim and the fact that it’s been denied. I asked that I don’t know how many people and how many times and if there was anything else they need from me or my doctors. They just answered my question with more questions, like, “Is this all you want us to submit for your appeal?” I had to call 3 times to find out they haven’t submitted anything for the appeal yet and they didn’t get my entire fax with my letter - the pages were blank. I haven’t been paid since June and just got that bit of info last week in late August. I faxed everything again!

Earlier this week I was told again how that wasn’t enough for the appeal of my claim and they now need something from my therapist supporting what my doctor says and that I am in treatment. My therapist sent a summary with diagnostic coding. Today, I was told this still isn’t enough, that they want my therapist’s actual notes. This upsets me as that breaks doctor-patient privacy! I am at the point of losing my house and being sent to a lawyer by my HOA for past dues. What more does Liberty Mutual want?! I have been calling Liberty Mutual almost daily for the past 2 months. I even have a case worker from Acalade (through my private health insurance) trying to help me and reach out to Liberty Mutual. Neither of us is making any headway. We can’t get a straight answer out of Liberty Mutual and all of this has just been contributing to my anxiety and depression!

My medication has been increased. I’m not sleeping well and my depression is getting worse. I don’t even want to leave my house. I wanted to take this time to seek help and gain skills to deal with my anxiety before going back to my high-stress job (which I may also lose due to this), but I failed to really do so since I’ve been working on this and not getting paid. I don’t know what else to do.

When I complained that I did not want to work with him, I was told by one of the other claims worker that I should be nice, as if they operate on a buddy system, or kick back, not sure. It is very difficult filing a claim with a representative who has no medical background or credentials. Anyway, this terrible company, Liberty Mutual, has denied my claim. Apparently, their 22-year cubicle clerk is smarter than my world renown physician in hepatitis, a 25-year practicing internist, and a well respected neurologist who has practiced neuropsychology at the world renown Frazier Rehab.

Liberty Mutual, if you're listening, hear this. This crazy, sick, demented ** is going to drag you to the supreme court, because somebody needs to expose you. So get your best paper shufflers together, you know, the same teenagers you made me work with on my claim, because I am bringing my licensed and highly-credited physicians. I am going to make your Wallingford office at Holiday Inn just as soon as I get your deed. As my daddy used to say, "Be careful with whom you **!

I've now lost all my vacations and owe the company a few thousand dollars in back pay. Meanwhile Liberty Mutual approved 7 work days but not the rest. Why would they approve part of it but not all of it? It makes no sense and no one can give me any answers. Meanwhile, I have a CPS child I'm supposed to take on vacation next week which I've already paid for so I won't be getting any paychecks from work. If this goes on much longer, I'll lose my house and be unable to pay my car. I'm so sick of this company. When I was submitting paperwork, they wouldn't tell me if it was what they wanted or not, it had to go to review. I think they know whether it's what they wanted or not. Why don't they just say what they want instead of having to make us guess? All I get is the same answer: Just submit it and we'll look at it. I'm thoroughly disgusted with them and have lost countless hours of sleep over this. It makes me depressed and I am getting sick again worrying over not being paid.

It is now July and my manager at work took me to Human Resources for a meeting to inform me that my FMLA status has been cancelled as of April 9th which caused me to have back dated occurrences which has now put me in termination status! As of right now, HR is holding back because I showed them the approval letter I received from Liberty Mutual after the re-certification was submitted. It clearly states that the approval was covering me from 9/28/2011 to 9/27/2012. I don't know who messed up at Liberty Mutual, but I guess since the request to revise the dates was not completed, they considered that my re-certification period? I just don't understand! If I did not need the additional days and I was already approved until Sept of 2012, how can they cancel my FMLA status as of April 9th?

The funniest thing is that we just received this info from Liberty Mutual today and the letter states that I can appeal the decision but even if it is overturned, they can only back date 30 days? So, I am still in danger of losing my job because 30 days back only covers the time taken in June but the dates in May would not be counted, also putting me in termination status in relation to occurrences due to calling out sick and not being covered by FMLA. If I lose this job, I lose my health benefits and I am the sole provider for my family. I have Lupus which affects my kidneys and without my meds, it will not be controlled and I will be back in and out of the hospital for months at a time! Because of some error made by Liberty Mutual, I am about to lose everything. My life will be ruined! I cannot believe this is happening to me! It is so not fair!

I was told by Home Depot Corporate that they cannot accommodate me at work, and put me on a medical leave of absence. I cannot work, and I cannot be paid. According to some research, I learned that Liberty Mutual also has recently hired a specialist that helps decrease the bottom line for costs, and has since seen a huge rise in lawsuits. I have recommended that Home Depot find other options for our disability insurance.

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?

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 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 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.

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.

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.

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 **. 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.

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.

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.

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.

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 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.

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.

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.

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.

fiancial hardship..potential loss of home and car.

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.

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.

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.

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.

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.

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.