Disability Insurance Law TV:
Liberty Mutual Long Term Disability Insurance Claims
In this two part episode disability insurance attorneys Gregory Dell Stephen Jessup and Rachel Alters of Attorneys Dell & Schaefer discuss Liberty Mutual Disability Insurance Company and their handling of long term and short term disability insurance claims.
This disability insurance denial by American United Life Insurance Company (American) and Disability Reinsurance Management Services is a classic example of a disability insurance company’s effort to convert a physical disability claim into a mental nervous claim only. Most disability insurance policies limit disability benefits to 24 months for a mental nervous condition, therefore disability companies will try to argue that a claimant is only disabled by a mental condition and not physical. This argument is frequently raised by insurance companies when a person has a medical condition like fibromyalgia which cannot be verified by any objective testing.