Denied Disability by Liberty Mutual? Your Battle Plan for Winning

Denied Disability by Liberty Mutual?

Your Battle Plan for Winning Disability Insurance

Benefits

Marc Whitehead, Esq.

Marc Whitehead & Associates - Attorneys at Law, LLP

5300 Memorial, Suite 725 - Houston, Texas 77007

(713) 228-8888 \ Toll Free: (800) 562-9830

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Denied Disability by Liberty Mutual?

Your Battle Plan for Winning Disability Insurance Benefits

Introduction

Perhaps an automobile crash left you with a severe soft tissue injury. Or maybe a

sudden illness or infection has made you fatigued and foggy. In any case, you

cannot work effectively or for long periods of time. In addition to rehabilitating

and managing your responsibilities as a parent, friend and neighbor, you also

need to handle the financial consequences of your disability. You’re in a scary

position. Few people expect to have to live years of their lives disabled, unable to

enjoy their favorite activities or engage in meaningful, productive work.

Now is the time for friends, colleagues and family to pitch in to help you. But what

happens when your support network doesn’t come through? Unfortunately,

Liberty Mutual, your long term disability insurer, has made it hard for you to

obtain the benefits you need to handle your affairs and medical expenses.

Did Liberty Mutual deny your claim? Has the insurer sent you confusing,

overwhelming documents or forced you to deal with challenging deadlines? You

need clarity and support to get your critical benefits.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

In this ebook, we’ll go over in detail how to handle a claim denial, what to do to

prove your case, and what to do (and to avoid doing) to obtain fair benefits from

Liberty Mutual. [Do note that this book should not be considered a substitute for

speaking with an experienced disability denial attorney.]

Here’s a quick outline of what we will discuss in this book:

History of Liberty Mutual Insurance Company

1. Will You Get the Disability Benefits You’ve Paid to Receive?

2. What Kind of Disability Policy Do You Have?

3. Does Your Disability Benefit Check Look Small? Here’s Why.

4. How Pre-Existing Conditions Can Affect Your Disability Claim

5. Appealing a Disability Claim Denial

6. Make Your LTD Claim to Liberty Mutual As Strong as Possible

7. Why Liberty Mutual Might Deny Your Disability Claim

8. Other Factors Liberty Mutual Uses to Determine Your RFC

9. Why You Need Help with the Disability Administrative Appeals Process

10. Tactics that Liberty Mutual Uses to Deny Claims

11. How to File a Long Term Disability Lawsuit against Liberty Mutual

12. Finding the Most Effective Disability Attorney

13. Summary: The Right Way to Approach a Disability Claim with Liberty

Mutual

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

History of Liberty Mutual Insurance Company

Providing insurance for injured workers has been a primary focus of Liberty

Mutual Insurance Company since its founding. Originally called the

Massachusetts Employees’ Insurance Association, the company opened its

doors in 1912, just a year after the Massachusetts’ legislature passed a law

requiring businesses to provide workers’ compensation insurance for their

employees.

The insurer soon branched out into areas beyond workers’ comp, offering its

first automobile insurance policy in 1914. It adopted the Liberty Mutual

Insurance Company name in 1917.

By 1936, Liberty Mutual was the country’s primary writer of workers’ comp

insurance; by 1937, it had expanded operations to all 48 states. During

World War II, the company offered insurance coverages internationally,

covering employees of companies involved in the war effort.

In 1943, Liberty Mutual opened its first rehabilitation center in the country

in Boston, and it also introduced a medical advisors network, providing

specialists to review injured workers’ treatment plans. Eleven years later, it

opened the Liberty Mutual Research Center (now called the Liberty Mutual

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Research Institute for Safety), which conducts peer-reviewed research to

help reduce injuries and prevent disabilities.

Between 1960 and the turn of the century, Liberty Mutual grew its business

offerings and expanded internationally. It opened a skid control school for

truck drivers, helped develop a breakthrough prosthetic (the Boston arm)

and founded a back school to help people with severe lower back pain. In

1999, it established the Center for Disability Research.

In the 1990s and early 2000s, as many mutual insurance companies

converted to stock ownership, Liberty Mutual took a slightly different route,

bringing its various businesses under an umbrella mutual holding company.

It acquired Wausau Insurance in 1999 and Safeco Corporation in 2008 and

sold off some financial services businesses during this period as well.

Today, Liberty Mutual has four business units: personal insurance,

commercial insurance, Liberty International and Global Specialty. The

commercial unit offers group benefits packages, which includes disability

insurance.

In recent years, the Boston Globe newspaper has published articles

questioning the very generous compensation packages provided for Liberty

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Mutual executives’ and the company’s lack of accountability to its mutual

policyholders.

1. Will You Get the Disability Benefits You’ve Paid to

Receive?

When you pay your disability premiums every month, you expect that you’ll

get the benefits that your policy promises. Unfortunately, that’s not always

the case.

In the 1980s, when insurers developed the concept of disability insurance

for individuals and for employee groups, they thought they had developed a

real money maker. People made few claims on these policies initially, so the

insurance companies found them profitable. However, after a while, as

people became older and suffered from more illnesses and injuries,

disability policies began costing insurers money.

For a time, insurance companies could cover their losses with the revenues

earned in a booming stock market. But when the market returns declined,

insurers had to find another way to cover their expenses. They took a hard

look at disability policies, trying to find any way that they could to avoid

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

paying benefits. As they scrutinized every claim closely, they became more

creative in the methods they used to deny claims. Many people who had

counted on those benefits to see them through difficult times found their

disability payments denied or severely limited.

Policyholders Can Get Help

To combat these practices, some attorneys have focused extensively on

disability and ERISA (Employee Retirement Income Security Act) law. ERISA

is the federal law that regulates group disability policies; like most federal

laws, it’s complex and difficult for the average person to understand. But a

disability policyholder who doesn’t understand and follow ERISA’s

regulations can end up forfeiting disability benefits.

That’s why it’s so important to have an attorney guide you through the

ERISA maze and help you get the disability benefits you’ve paid to receive. A

qualified attorney can help you construct and present the strongest case

possible to win your claim.

*****

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

CASE STUDY #1: COOK v. LIBERTY LIFE ASSUR. CO., United States Court of

Appeals for the First Circuit, decided February 5, 2003

Kathleen Cook, the plaintiff-appellee, was an employee of Lockheed

Sanders, Inc. covered under an insurance benefits plan administered by the

defendant-appellant. Ms. Cook received a diagnosis of Chronic Fatigue

Syndrome. Further, a doctor found evidence of Epstein-Barr virus in Ms.

Cook. She quit working in November 1994.

Ms. Cook filed for short-term disability benefits in February 1995. When

those benefits expired, she applied for and was approved for long-term

disability. The plaintiff, Ms. Cook, saw a doctor regularly while she was out

of work. That doctor confirmed his diagnosis of her disability. During this

time, Ms. Cook took a part-time job with a real estate company showing

houses, but rarely worked.

In October 1998, Liberty terminated Ms. Cook’s benefits finding that she

could work under the “any occupation” standard. Ms. Cook’s appeals were

denied, so she filed a claim in district court.

The court found that Liberty’s termination of her benefits was arbitrary and

capricious. The court relied on the administrative record that showed no

change in her condition after Liberty initially approved benefits. Liberty

never gave a substantive explanation for denying the benefits.

Liberty appealed the decision to the Court of Appeals. The Court upheld the

lower court’s findings the award of benefits owed and attorney’s fees.

*****

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

2. What Kind of Disability Policy Do You Have?

There are two ways to buy disability policies in the marketplace:

• Group disability policies, which you buy through your employer, fall

under ERISA law. Liberty Mutual sells only group disability policies.

• Some insurance companies also sell individual disability policies,

which you buy as an individual through a broker or agent. State laws

govern these policies.

Both types of disability policies may provide short-term, long-term and/or

catastrophic coverage.

• Short term disability (STD) policies generally pay benefits for six

months, although their terms may be shorter. Your employer probably

covers the costs of short-term disability payments for injured workers;

that fact usually makes it easier for workers to receive STD benefits.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• If your illness or injury prevents you from working after you exhaust

your short term disability benefits, long term disability benefits (LTD)

come into play. The initial payout period for LTD benefits is usually

about 24 months, although this can vary by policy. During this time,

you can expect that Liberty Mutual will keep a close watch on your

recovery progress to see whether it can reduce or cut off your benefits

to save money. If your disability is so severe that you’ll never be able

to go back to work, most LTD policies will provide benefits through

retirement age. You may find it difficult to obtain these benefits,

however.

• Catastrophic coverage should help pay for a caregiver if you become

so severely disabled that you can’t eat, dress or bathe yourself.

3. Does Your Disability Benefit Check Look Small? Here’s

Why.

Most disability benefits policies start off by paying you just 60 percent of

your normal paycheck. If you’re able to work at another job in your

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

company, but you earn 20 percent less than you did at your previous job,

you might be eligible for partial or residual disability payments.

In either case, Liberty Mutual may withhold more money from your benefits

check due to offsets, which are payments that you receive from other

sources because of your disability. Offsets can include:

• Workers’ compensation benefits

• Social Security Disability (SSD) payments

• Court settlements you’ve won due to your disability

• Retirement benefits

Could You End Up Owing Liberty Mutual Money?

Your long term disability payments should start as soon as you exhaust your

short term disability payments. But it can take much longer to qualify for

SSD payments, obtain workers’ comp benefits or win a court case. If you do

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

get that additional money, however, Liberty Mutual will want you to repay

at least some of the disability benefits it sent you.

• If you don’t want to owe Liberty Mutual money when all of your

payments come in, ask the insurer to deduct up front the amount it

expects you to receive in offsets.

• You can wait until your checks arrive and repay the offsets to Liberty

Mutual with that money.

*****

CASE STUDY #2: Davidson v. Liberty Mut. Ins. Co., United States District

Court for the Western District of Virginia, Abingdon Division, Decided July

1, 2003

The plaintiff, Guy Davidson, was a field investigator for Liberty Insurance

Company, the defendant. In December 1998, Mr. Davidson received a

diagnosis of stenosis. He quit working in April 1999. Later, he requested and

was approved for short-term disability benefits by the employer. When

those benefits ended, he requested and received long-term disability.

However, in March 2001, Liberty ended his long-term benefits. Liberty

believed the plaintiff was physically able to work in other jobs with Liberty

for which they deemed him qualified.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

The plaintiff filed suit under ERISA, requesting he receive long-term benefits.

He argued that Liberty did not consider his age, 64-years old, when Liberty

denied long-term benefits, when making a determination whether he would

be able to perform other duties at Liberty. The court agreed with the

plaintiff, stating that Liberty could not have conducted a reasonable inquiry

into his ability to work since they did not consider his age.

*****

4. How Pre-Existing Conditions Can Affect Your

Disability Claim

Since insurers are reluctant to pay disability benefits, they often go to great

lengths to make sure that you do not have any medical conditions that could

have contributed to your disability before you bought your policy.

• They could scrutinize your medical records from previous years –

anywhere from one to three years back, looking for problems that

would allow them to deny your disability claim.

• They could try to take an unrelated injury or illness and relate it to

your current problems. Suppose you took a muscle relaxant a year

ago because of an anxiety problem; you felt better and went off the

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

medicine. Now you’ve hurt your back, and your doctor prescribes the

same medication. Liberty Mutual might use that initial medication use

as “proof” that you had a back problem before you made your

disability claim.

Blaming Your Disability on Mental Health Issues

Insurers may argue that your physical problems are really caused by mental

health issues, since most disability policies cover those for only 24 months.

• Many people with disabling injuries and illnesses understandably

suffer from depression; they worry about bills and the future, and they

can’t enjoy everyday life the way they did before. Insurers, sadly,

sometimes claim the reverse causality – that depression caused the

disability – in order to limit required payments.

• Pain medications cause diverse side effects, such as mental confusion.

Liberty Mutual may claim that mental confusion – and not the injury

or illness requiring you to take your medication – is what’s preventing

you from working.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• Insurers like documentation. However, it’s impossible to document

certain illnesses (e.g. chronic fatigue) with X-rays, blood tests or MRIs.

Without this type of concrete medical evidence, however, you face

challenges if Liberty Mutual denies or limits your disability benefits.

When insurers get a disability claim, they frequently assess the situation

with a jaundiced eye – for instance, assuming the person is trying to game

the system. They purposefully look for reasons to deny benefits, cut them

off or significantly reduce them as soon as possible.

5. Appealing a Disability Claim Denial

You’ve put in your claim and supplied what you thought was sufficient

documentation of your disability to ensure that you’ll get benefits. But

Liberty Mutual has denied your claim. How do you appeal the decision?

You start by filing an administrative appeal of Liberty Mutual’s decision. If

they deny your claim again, you can pursue your claim:

• In your state court, if you have an individual policy.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• Through the federal court system, if you have a group policy.

(Remember, ERISA laws regulate this process.)

State laws allow you to add more evidence to your administrative appeal if

you decide to pursue the claim in court. You can have a jury trial, and you

can ask for punitive damages to punish the insurer for unfair treatment.

However, that’s not the way it works with ERISA law and the federal courts.

The administrative appeal that you file with Liberty Mutual will serve as

the evidence in your ERISA court case. Under ERISA law:

• You don’t have the option of a jury trial; a federal judge looks at the

evidence, hears the lawyers’ arguments and makes the decision.

• The presumption of the court is that Liberty Mutual made the right

decision in denying your claim. It’s up to you to prove that they made

an error and that you deserve disability benefits.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• You can’t ask for damages; if you win your case, the judge does have

the option of requiring the insurer to pay your lawyer’s fees and court

costs, but that doesn’t always happen.

Throughout the entire process—the initial filing of your claim, the

administrative appeal of an initial denial and the filing of a lawsuit—you

must be scrupulous about understanding what information you need to

supply and about meeting deadlines. If you neglect to make a filing

deadline, your disability benefits could be gone forever.

*****

CASE STUDY #3: Degennaro v. Liberty Life Assur. Co. of Boston, United

States District Court for the Western District of Michigan, Southern

Division, Decided; June 20, 2008

The plaintiff in this case, Barbara DeGennaro, was an employee of Spectrum

Health as a billing clerk. Liberty Life Assurance, the defendant, administered

and funded her company’s insurance benefits plan. Ms. DeGennaro suffered

from an array of ailments, including morbid obesity, migraine headaches,

sleep apnea and degenerative joint disease. These ailments caused her to

quit working in May 2004. She received short-term benefits, which expired

in November of that year. She subsequently requested long-term disability

benefits. Her physician based his determination that she was disabled after

considering the cumulative effect of her various conditions.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Liberty denied her claim for long-term benefits. The defendant considered

each of her conditions individually, finding that none prevented her from

performing any occupation with her employer.

Ms. DeGennaro filed suit against Liberty, asking the court to review the

administrative record. Liberty filed a motion for summary judgment, which

the court denied. The court held that Liberty had not fully considered the

cumulative effects of all of Ms. DeGennaro’s illnesses, which combined may

have prevented her from working. The court remanded the matter to

Liberty to reconsider their decision in light of the court’s instructions.

*****

6. Make Your LTD Claim to Liberty Mutual As Strong as

Possible

• Fill out all the paperwork carefully and completely. Don’t be

confused because Liberty Mutual seems to be asking the same

question in several different ways; they’re looking to see a consistent

description of your disability. (So be consistent in how you describe it!)

• Don’t miss a deadline. Filing paperwork even one day late may

prevent you from ever receiving the disability benefits that you paid

premiums to obtain.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• If a problem isn’t covered by your disability insurance, don’t include

it in your application. It will just confuse the issue.

• Apply for Social Security Disability (SSD). Liberty Mutual will require

you to apply for Social Security Disability to determine whether you

qualify for benefits. This can be a long and drawn-out process, so it

pays to get the paperwork started right away.

• Make sure your description of your job matches your employer’s

description of your job. Consistency is important in proving that you

can’t do the job that your employer requires.

• Enlist the assistance of your medical team. Let them know they’ll be

getting paperwork about your disability claim. Ask them to complete it

and file it promptly so that you can meet all your deadlines.

• Keep an eye out for Liberty Mutual’s investigators. They may watch

your home to see whether you’re doing anything that you claim you

can’t do. They may even come to your door asking to talk with you.

(You’re within your rights if you ask them to make an appointment

and come back another time.)

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Filing a claim may look straightforward, but often it’s not. If you want to

present the strongest case for receiving disability payments, consider

working with an experienced ERISA attorney from the start. When you rely

on disability payments to get through a tough time, it just makes sense to

get assistance from someone who knows the ins and outs of the system.

7. Why Liberty Mutual Might Deny Your Disability Claim

When you begin the process of applying for disability benefits, remember

that Liberty Mutual has most of the advantages. They determined the terms

of your policy and defined what a disability is; and they also get to say

whether or not your injuries or illness fall within that definition.

• They listen to the medical professionals on their staff rather than to

your doctors. It doesn’t matter if your physicians actually examined

you; they can let doctors and nurses working from your medical

records alone decide whether or not you are disabled.

• They don’t always follow the Social Security Administration’s (SSA)

determinations. While Liberty Mutual wants you to apply for Social

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Security Disability, they don’t always follow the findings if the SSA

determines you are disabled.

• They can use RFC evaluations to deny, reduce or stop your disability

payments. RFC stands for residual functional capacity. Liberty Mutual

can use that measurement to determine whether or not you can do

your job or another job.

How Vocational Analysts Define Your RFC

• Sedentary (office job) – Can sit six hours a day, lift up to 10 pounds.

• Light (security job) – Can stand or walk up to six hours a day,

occasionally lift and carry 10-20 pounds of weight.

• Medium (nursing job) – Can stand or walk all day, lift up to 50 pounds.

• Heavy and Very Heavy (construction worker) – Can stand and walk all

day, lift up to 100 pounds (heavy) or more than 100 pounds (very

heavy).

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

8. Other Factors Liberty Mutual Uses to Determine Your

RFC

As they decide on your residual functional capacity, Liberty Mutual’s

vocational analysts will also consider:

• How well you can work with supervisors and co-workers. Are you still

able to follow directions, remember instructions and work

cooperatively with others?

• Your level of pain, and how it can affect your ability to do your job.

• What treatment you’ll need to get better. Can you work regular job

hours if you have a heavy schedule of medical treatments and

therapy?

• Observations from your physicians, social workers, therapists and

friends and family members about what you’re capable of doing.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

The 24-month “Own Occupation” Rule

If vocational analysts determine that you can’t work at your own job, most

insurers will pay disability benefits for a limited period of time—usually 24

months. If you’re still disabled after that time period, however, Liberty

Mutual may try to find some other job for you, so that it can stop paying

disability benefits or at least reduce the monthly amount.

Liberty Mutual will look at your education, your background and your

current skills to try to find you another job for which you’re qualified. Take

the example of nurse who hurts his back so badly that he cannot lift patients

or perform other duties that are part of a nursing job. If his disability

continues after 24 months, the insurer may find him a desk job where he

could use his medical knowledge without having to do any physical exertion.

Even if he still has back pain, the insurer may insist that he take this job.

While you don’t have to find an alternative job—that’s Liberty Mutual’s

responsibility—the position they come up with may not feel like a good fit.

But if the new job pays 80 percent of your previous paycheck, and you

refuse to take it, the insurer may cut off your disability benefits entirely.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

If your disability is so severe that Liberty Mutual can’t find you a different

job, you should receive disability benefits until your policy’s cutoff date,

which is usually age 65.

*****

CASE STUDY #4: Gerhardt v. Liberty Life Assur. Co., United States District

Court for the Eastern District of Arkansas, Western Division, Decided; June

17, 2008

The plaintiff, Lisa Gerhard, was a registered nurse working as the Director of

Addictive Services for a psychiatric hospital. In July 2000, the plaintiff quit

working due to severe osteoporosis. She applied for long-term disability

under the employer’s benefits plan administered by the defendant Liberty

Life Assurance. Liberty approved benefits initially.

During the period she received benefits, the plaintiff underwent surgeries

and was under the constant care of a physician. Her physical condition

improved; however, she suffered some significant mental illnesses during

this time. Liberty determined that she improved to the point that she could

work in some sedentary occupations with her employer. They terminated

her long-term disability benefits.

After her requests for redetermination were denied, the plaintiff filed suit.

The court found that the plaintiff’s osteoporosis did in fact improve.

However, Liberty did not show that they considered the effect of her mental

disabilities, age and the medications she received when making the

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

determination she was able to return to work. The court remanded the case

to Liberty after a review of the administrative record, instructing the

defendant to consider the additional factors.

*****

9. Why You Need Help with the Disability

Administrative Appeals Process

ERISA law dictates the steps that you and Liberty Mutual must follow in the

disability application process and in any appeal of a claim denial. If you want

to get the disability benefits to which you’re entitled, you must follow

every step of this process and make sure that you submit all your required

documentation on time.

If Liberty Mutual denies your claim, the insurer must send you a letter with

this information:

• Why they denied your claim.

• The information (medical records, etc.) that they used to make that

decision.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• The names of any doctors, nurses or claims representatives who made

the determination to deny your claim.

• An explanation of the appeals process, including the deadlines for

submitting your appeal, any documents you must include and the

address to which you should send your appeal.

The initial claim and appeals process can take a long time.

• Liberty Mutual has up to 60 days to make its original determination;

then you have about six months (180 days) to appeal a claims denial.

• Liberty Mutual gets another 45 to 90 days to rule on your appeal.

• If Liberty Mutual denies the appeal, your policy determines how long

you have to file a court case. (It’s often 36 months.)

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Look for an ERISA-experienced attorney to assist you in this process.

Disability law can be very confusing for someone who doesn’t work with it

every day. Even if you can read all your policy documents very carefully, it’s

possible to miss important details that can determine whether or not your

claim will be successful. You don’t want to forfeit benefits because you’ve

missed a deadline or forgotten to include essential medical information.

Seeking help from an experienced ERISA attorney is even more important if

your claim is denied and you must appeal that decision. You must present

the strongest case possible, because that case will serve as evidence if you

need to take your case to court. Plus, an attorney who specializes in

disability law will be able to review the actions that Liberty Mutual has taken

to make sure that they have followed all the necessary rules in your case.

When you file an administrative appeal with Liberty Mutual you must

include:

• A point-by-point rebuttal of Liberty Mutual’s claims denial. You must

address all the reasons that they dismissed your disability claim and

explain why their decision was incorrect.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• The facts to support your claim. You must include everything from

medical records from your physicians and therapists to letters from

family and friends that explain how your disability has impacted your

ability to function normally.

• A correction of any distortion of medical evidence or facts that

Liberty Mutual has used as a reason for denying your claim.

• Articles and studies from recent medical journals that support your

disability claim.

*****

CASE STUDY #5: Greenwald v. Liberty Life Assur. Co., United States District

Court for the District of Nebraska, Decided; March 20, 2013

Todd Greenwald, the plaintiff, filed a suit against Liberty Life Assurance

Company under ERISA after the defendant denied short-term disability

benefits. Greenwald was an employee of Wells Fargo as an account

manager. During the entirety of his employment there, he suffered back

problems caused by scoliosis and various surgeries, including one to remove

a tumor in his leg. He had been out of work several times on temporary

disability during his employment.

While recovering from surgery, the plaintiff received short-term disability

from Wells Fargo via his insurance benefits plan. Greenwald returned to

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

work in February 2011 but stopped again that same month, citing an

inability to work due to severe pain. He applied for short-term disability

benefits. Liberty and Wells Fargo denied his request. They noted he had not

provided supporting documents on his condition for his claim.

Greenwald appealed the decision. Liberty’s review found that he was

released to return to work in January 2011. His records did not indicate any

worsening of symptoms. Greenwald then filed suit after having exhausted

his appeals.

The court held that Liberty was arbitrary and capricious in denying his short-

term disability benefits (note that in a separate matter, Liberty approved his

long-term benefits upon remand by the court). Liberty, the court found, did

not make a proper inquiry into the plaintiff’s condition, specifically, whether

Greenwald’s injuries prevented him from performing his prior duties. The

court found substantial evidence in the administrative record that he could

not. The matter was remanded to Liberty for further review in light of the

court’s findings.

*****

10. Tactics that Liberty Mutual Uses to Deny Claims

• Divide up your disability claim, and send different portions out

separately. A physician who only sees one aspect of your physical

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

condition can’t make a good determination of how bad your overall

disability really is.

• Get private investigators to track your activities. They can use

surveillance video to try to prove you’re doing something that you said

you could not. They may even try to twist your trip to a doctor’s office

or a physical therapy appointment into “proof” that you aren’t as

disabled as you claim. Liberty Mutual’s claims representative may not

even take the time to review these videos but may simply take the

investigator’s word for what’s on there. (If your claim is denied, ask to

see the video yourself.)

• Use an invalid RFC exam as a basis for their decision. To get an

accurate picture of your residual functional capacity, vocational

analysts must follow every testing procedure carefully. Some don’t, so

the results aren’t valid. If Liberty Mutual uses this measurement, they

are making a decision based on bad data.

• Claim you are malingering—trying to fake an injury to get disability

benefits. The insurer will be quick to pick up on any actions that they

consider non-compliant, like your failing to take a medicine your

physician prescribed. (They don’t care if you can’t tolerate the

medicine because of its side effects.)

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• State that your disability is stress-related. A bad back that prevents

you from working is certain to cause you stress, but Liberty Mutual

might say the stress came first and caused the bad back. Since

disability policies don’t usually pay for stress-related injuries, Liberty

Mutual won’t have to pay benefits.

11. How to File a Long Term Disability Lawsuit against

Liberty Mutual

If Liberty Mutual rejects your administrative appeal, your only option

becomes filing a lawsuit to force them to pay disability benefits. Since

Liberty Mutual only offers group policies, your attorney will file your suit in

federal court. (Appeals of disability cases covered by individual policies are

heard in state courts.)

ERISA law determines how your court case will proceed:

• You’ll have a judge hear your case—no option to ask for a jury.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• Your evidence will be limited to whatever information is in your

administrative appeal.

• The court’s presumption is that Liberty Mutual made the right

decision; you have to prove they were mistaken.

• The judge can’t award any damages or penalize Liberty Mutual in any

way, even if it’s obvious that they made the wrong decision.

• If you win your case, Liberty Mutual will owe you back payments from

the time that you filed your application for disability benefits.

• If you win, Liberty Mutual may still decide to cut off or reduce your

disability benefits at some point, so you might have to go through the

whole appeals process again.

Experienced ERISA attorneys can help you put together a strong case for

your disability benefits.

• They can make sure you have all the evidence you need to make the

strongest case possible for your appeal.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

• They can make sure that you meet all the filing deadlines.

• Since they know ERISA law, they can develop the best arguments to

help you win your court case.

• When appropriate, they understand how to approach Liberty Mutual

to work out a settlement that will spare you the costs of a court case.

*****

CASE STUDY #6: Kirkpatrick v. Liberty Mut. Group, Inc., United States

District Court for the Southern District of Indiana, Indianapolis Division,

Decided; March 6, 2012

Leona Kirkpatrick, a claims specialist for the defendant Liberty Mutual

Insurance Group, filed suit under ERISA after her employer denied her claim

for benefits under a plan administered by the defendant. Ms. Kirkpatrick

suffered from what the court found to be a “complex medical history”

including diagnoses of lupus and diabetes mellitus. She also experienced a

pulmonary embolism that required surgery to remedy. She continued to

work until 2010, when she applied for short-term disability. Liberty denied

her claim, citing a lack of objective evidence supporting her claim that she

could not perform her regular duties.

The plaintiff requested a review of her record. Liberty, after receiving

additional information from Ms. Kirkpatrick, submitted her claim for peer

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

review. The reviewer did not find evidence she was unable to perform her

duties, and focused on her lupus condition, which was in the reviewer’s

opinion, stable at that time. Liberty subsequently denied her appeal.

Ms. Kirkpatrick also requested long-term disability. Liberty denied her

request because it could not find support for her claim in the record.

The plaintiff sued under ERISA for the denial of both long-term and short-

term benefits. The court held that Liberty acted arbitrarily and capriciously

in denying her claims. The court found Liberty ignored substantive medical

evidence regarding her ability to perform her duties. Further, the defendant

did not consider how the pain from her condition might impact her ability to

perform. The court remanded the matter to Liberty for further review in

light of the court’s decision.

*****

12. Finding the Most Effective Disability Attorney

Many people claim to be experts in disability law. How can you make sure

that you’re choosing the right professional to help?

• Make sure you’re working with an attorney. Some LTD “experts”

aren’t lawyers, so they can’t handle your case in court if you lose your

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

administrative appeal. Why not work from the start with an attorney

who can represent you throughout the entire process?

• Find someone with years of experience in handling ERISA LTD cases.

Do they focus extensively on LTD cases? How many clients with ERISA

disability cases have they represented in the past year?

• Have they established themselves as authorities on the subject

within the legal profession? Have they published in professional

journals or spoken at conferences on LTD issues? Have they received

any awards or honors from legal organizations because of their

contributions to the field of LTD?

• What do the attorney’s peers think? You can check sites like

SuperLawyers.com, Avvo.com and martindale.com to see how other

attorneys rate a prospective lawyer’s performance.

• What’s their social media profile? What’s the consensus on sites like

Yelp, Google and Yahoo? Do most past clients report positive

experiences? How strong are these recommendations?

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

13. Summary: The Right Way to Approach a Disability

Claim with Liberty Mutual

When you suffer a disability that prevents you from working, life can get

pretty hard, pretty quickly. Perhaps your finances are tight. Maybe you are

in constant mental and physical pain. You’re probably frustrated because

you can’t maintain your ordinary routines around home and at work.

Now add the burden of navigating a disability benefits system that’s

extremely complex and time-consuming. You may feel like you’re fighting

this big company alone; that no one is on your side. It doesn’t have to be

that way. An attorney experienced in ERISA law can serve as a powerful

advocate for you and your disability claim. Your attorney can make sure that

you meet deadlines, fill out forms correctly and make the strongest case

possible with the right medical evidence and expert testimony.

You will feel less stressed once you have someone on your side who

understands the system and who can advocate for you aggressively and

intelligently.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Don’t put yourself and your family through more unnecessary suffering and

stress—get the legal help you need now. Call us at 800-562-9830; we’re

ready to work on your behalf to file your initial claim, make a strong

administrative appeal or take Liberty Mutual to court if necessary.

You deserve fair disability benefits; let us help you fight for them.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Disclaimer

Disclaimer for “Denied Disability by Liberty Mutual? Your Battle Plan for

Winning Disability Insurance Benefits”

You understand that this book is not intended as a substitution for a

consultation with an attorney. Requesting this book or viewing the information in

it does not create an attorney-client relationship with Marc Whitehead &

Associates LLP or any of its attorneys. To obtain legal advice about your personal

injury matter, please engage the services of Marc Whitehead & Associates LLP or

another law firm of your choice. To discuss engaging Marc Whitehead &

Associates LLP to help you with your probate matter, please contact the firm.

MARC WHITEHEAD & ASSOCIATES LLP IS PROVIDING “DENIED DISABILITY

BY LIBERTY MUTUAL? YOUR BATTLE PLAN FOR WINNING DISABILITY INSURANCE

BENEFITS" (HEREAFTER REFERRED TO AS "BOOK") AND ITS CONTENTS ON AN "AS

IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND

WITH RESPECT TO THIS BOOK OR ITS CONTENTS. MARC WHITEHEAD &

ASSOCIATES LLP DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES,

INCLUDING FOR EXAMPLE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR

A PARTICULAR PURPOSE. IN ADDITION, MARC WHITEHEAD & ASSOCIATES LLP

DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA

THIS BOOK IS ACCURATE, COMPLETE OR CURRENT.

Except as specifically stated in this book, neither Marc Whitehead &

Associates LLP nor any authors, contributors, or other representatives will be

liable for damages arising out of or in connection with the use of this book. This is

a comprehensive limitation of liability that applies to all damages of any kind,

including (without limitation) compensatory; direct, indirect or consequential

damages; loss of data, income or profit; loss of or damage to property, and claims

of third parties and punitive damages.

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Marc Whitehead Biography

Marc Stanley Whitehead is the founding partner of

Marc Whitehead & Associates, Attorneys at Law, LLP

which was established in 1992 in Houston, Texas. Born

in Memphis, Tennessee, Marc was raised in

Normangee, Texas. He graduated in 1985 from

Normangee High School as class valedictorian. Marc

attended Texas A&M University where he graduated in 1989 with a Bachelor of

Business Administration in Finance.

Marc attended the University of Houston Law Center and received his law degree

(J.D.) in 1992, graduating in the top quarter of his class. He was admitted to the

State Bar of Texas in 1992. He is also admitted to practice before all U.S. Federal

District Courts in Texas, the U.S. Court of Appeals-Fifth Circuit and the U.S. Court

of Appeals for Veterans Claims.

Marc’s areas of practice include personal injury and wrongful death, social

security disability, long-term disability insurance denials, employee benefit

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

denials, ERISA litigation and insurance claims and pharmaceutical and medical

device litigation.

He is also a former adjunct professor of Law at the University of Houston Law

Center teaching Civil Trial Advocacy. He has been an instructor for the National

Institute of Trial Advocacy teaching Civil Trial Advocacy and an instructor for the

National Business Institute teaching Social Security Disability Law.

Marc is double board certified in both Personal Injury Trial Law by the Texas

Board of Legal Specialization and in Social Security Disability Law by the National

Board of Social Security Disability Advocacy.

Professional Activities & Associations

American Association for Justice-Leader Forum Member

AAJ Risperdal Litigation Group Member

AAJ Xarelto Litigation Group Member

AAJ Transvaginal Mess Litigation Group Member

AAJ Toxic, Environmental, and Pharmaceutical Torts Section

Houston Trial Lawyers Association

President (2009-10)

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

President Elect (2008-2009)

Secretary/Treasurer (2007-08)

Vice-President (1999-2007)

Texas Trial Lawyers Association

Board Member (1997-Present)

Board of Advocates (1999-2001)

HBA Social Security Section Chairman (2004-2005)

Memberships and Honors

Association of Civil Trial and Appellate Specialists

National Organization of Social Security Claims Representatives

College of the State Bar of Texas

Houston Bar Association

National Organization of Veterans Advocates

AV Rated by Martindale Hubble

10.0 AVVO Rating

Rated by SuperLawyers

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

Top 100 Trial Lawyers in Texas by National Trial Lawyers Association

Books and Publications

Published Books:

 The Social Security Disability Puzzle: How to Fit the Pieces Together and Win

Your Claim;

 Disability Insurance Policies: How to Unravel the Mystery and Prove Your

Claim

 Veterans Disability Claims: Strategies for a Winning Campaign

 Car & Truck Crashes: 10 Secrets Victims Should Know to Protect Their Rights

 Transvaginal Mesh Lawsuits: What You Need to Know If You Have Suffered

Harm from Vaginal Mesh Implants

 The Fall of Testosterone: How a Vaunted “Low T” Therapy Has Backfired

and Put Millions of Men at Risk for Heart Problems and Stroke

 The Xarelto Disaster: How Johnson & Johnson Failed to Warn Consumers of

Deadly Internal Bleeding Risks

Need insight into your Liberty Mutual claim? Call Marc Whitehead & Associates, Attorneys at

Law, LLP at 800.562.9830, or learn more at http://www.DisabilityDenials.com.

 The Zofran Tragedy: Marketing Anti-Nausea Drug "Off-Label" to Pregnant

Women Linked to Birth Defects

 Risperdal: The Shocking Truth – Marketing Fraud Adds Up to Billion$...

While Boys & Young Men are Irreparably Harmed

 The Life Insurance Claims Kit: What To Do If Your Life Insurance Benefits Are

Denied

 Denied Disability by Unum: How to Fight Back and Prove Your Claim

 Denied Disability by Aetna: How to Fight Back and Prove Your Claim

 Denied Disability by Liberty Mutual? Your Battle Plan for Winning Disability

Insurance Benefits

Published Articles

 Tort Reform As It Relates to Strict Products Liability

 A Lawyer’s Guide for Determining Eligibility of Social Security Disability

Claimants

 Nuts & Bolts of Social Security Disability Law

 The Five Step Sequential Evaluation Process Used in Determining Disability

For Social Security Claimants