You bought your Liberty Mutual disability insurance policy with the promise that Liberty Mutual would be there for you and your family if you become disabled and unable to work. You thought you were buying financial peace of mind!
The History of “Slippery Mutual” and Its Buyout by Lincoln National
The nickname for Liberty says it all! Just type into your browser the term “Slippery Mutual” and up comes Liberty Mutual. On May 1, 2018, Liberty Mutual was swallowed whole by Lincoln National. Unfortunately, Lincoln National did not fire the Liberty Mutual employees and I fully expect that it will take years for Lincoln National to understand it bought trouble. Liberty policy holder’s claims will be handled the same despite the fact that Lincoln National owns the book of business.
Liberty Mutual got its start offering workers’ compensation insurance to employers and, as a workers’ compensation attorney, I have litigated hundreds of cases against them. It doesn’t matter if it is a workers’ compensation case or a disability claim, Liberty is as slippery as a bar of soap. Don’t let their TV ads fool you because Liberty Mutual’s claim handling methods are based on long-standing company policies that disregard the rights of injured employees who are entitled to workers’ compensation benefits and the rights of policyholders who are entitled to their disability insurance benefits.
Liberty Mutual plays games with initial applications and makes endless and multiple requests for medical, financial, and vocational information before it figures out a way to deny benefits. This delay and denial strategy drains your bank accounts as you try to stay financially afloat. Liberty Mutual uses “liar for hire” doctors who give Liberty Mutual the ammunition it needs to justify a claim’s denial or termination. Liberty Mutual rarely tells a denied policyholder, like you, the real reasons the claim was denied. Worse yet, Liberty Mutual fails to fully explain what you need to submit to successfully win an appeal. That’s why it is crucial that you be represented at both the initial application and appeal stages of a Liberty Mutual claim by an experienced lawyer, like me, who battles Liberty Mutual daily.