People are getting frustrated with Liberty Life Assurance and Liberty Mutual denials of their benefits. Here is how Herbert M. Hill, P.A. can help.
These two companies, Liberty Mutual and Liberty Life Assurance are companies which are indistinguishable. They are corporations organized under the laws of the State of Massachusetts where it has its home office. Its claims offices are located in London, Kentucky. Both companies are authorized to do business in the State of Florida. Let me tell you how Liberty Life Assurance and Liberty Mutual Denials of Long Term Disability benefit claims can be handled by Herbert M. Hill, P.A.
Our Experience Counts
At Herbert M. Hill, P.A., we routinely deal with Liberty Life Assurance and Liberty Mutual Denials. We are familiar with both of these businesses’ home and claims offices. We are familiar with many of its claims representatives as they are familiar with this law firm.
Unfortunately, these companies have a known history of dragging out benefit determinations and making unreasonable Long Term Disability denials. Decisions which have had a major effect on deserving claimants to whom they have a contractual duty of good faith to pay Long Term Disability benefits properly.
ERISA
In fact, many cases involving Long Term Disability insurance claims arising out of policies from your employer are governed by a federal statute known as the Employee Retirement Income Security Act (ERISA). That statute provides that Liberty Mutual and Liberty Life Assurance owe a fiduciary duty to claimants. Such a claim like a Fiduciary responsibility is one of the highest obligations in the law.
Adverse Benefits Determinations
We are very familiar with the tactics employed by Liberty Mutual and Liberty Life Assurance when they render what are known as “adverse benefits determinations.” If you carefully examine the claim forms they use, you will see that they are not designed to prove the claim. The questions on this document are not adequately detailed and do not leave you or your doctor the proper options, creating loopholes Liberty Mutual and Liberty Life Assurance can try to crawl through when denying claims. At Herbert M. Hill, P.A., we can make sure these holes are filled.
Herbert M. Hill, P.A. Can Help
Our disability attorneys can represent claimants involving Liberty Life Assurance and Liberty Mutual denials at any stage. We represent many claimants who simply cannot deal with the stress caused by these companies in the course of the claim, whether benefits are being paid or not. If you have such a claim involving Liberty Mutual or Liberty Life Assurance, you contact us today.
