Liberty Mutual Insurance Claim Denials Attorney
When Liberty Mutual Gets Your Disability Claim Wrong, You Have Come To The Right Place
Liberty Mutual disability claims are often shaped by policy language, internal reviews, and claim handling practices that do not always reflect the full reality of a person’s medical condition.
Eric Buchanan & Associates represents claimants in long term disability disputes involving Liberty Mutual and other disability insurers. We help people challenge delayed, denied, and terminated benefit decisions through appeal and litigation when necessary.
Documented History Of Liberty’s Claim Practices
Selective Review of the Record
Courts have criticized Liberty Mutual for focusing on portions of the record that support denial while minimizing evidence that supports disability.
Paper Reviews Over Real World Limitations
Disability decisions may rely heavily on file reviews that do not fully account for how symptoms affect a claimant’s ability to function in a work setting.
Financial Stakes Behind Claim Decisions
When benefits are denied or terminated, the financial consequences can be serious for claimants who rely on disability coverage for stability and income.
Our Successful Cases Against Liberty Mutual Insurance Company
Potter v. Liberty Life Assurance Company of Boston
In Potter v. Liberty Life Assur. Co. of Boston, 132 Fed. Appx. 253 (11th Cir. 2005), the court reversed a summary judgment in favor of the insurer, finding its denial of long-term disability benefits to a senior claims underwriter was arbitrary and capricious. The court highlighted significant procedural failures, including the claims manager’s premature denial of the claim before medical reviews were complete and the insurer’s failure to consult vocational experts or physicians to determine if the plaintiff’s job demands met her specific physical and mental restrictions. Despite the plaintiff’s primary physician limiting her to four hours of sedentary activity with minimal stress, Liberty failed to evaluate whether her actual occupation exceeded these limits and ignored a favorable Social Security Administration disability determination. Ultimately, the court held that Liberty failed to conduct a full and fair analysis of the evidence and could not prove its decision was untainted by self-interest, resulting in the case being remanded for a proper determination.
Experience With Erisa And Long Term Disability Claims
Our firm represents claimants in long term disability disputes governed by ERISA and other disability insurance policies. These cases often involve administrative records, physician opinions, vocational evidence, and insurer arguments that fail to reflect the full impact of a disabling condition.
Liberty’s Claim Practices And Legal History
Liberty Life Assurance Company of Boston administers employer sponsored long term disability policies nationwide. Many of these policies are governed by ERISA and grant Liberty discretionary authority to interpret plan terms and determine eligibility for benefits.
Because Liberty both evaluates claims and pays benefits, courts recognize a structural conflict of interest. See Metro. Life Ins. Co. v. Glenn, 554 U.S. 105, 112–15 2008.
Federal courts reviewing Liberty’s disability determinations apply the arbitrary and capricious standard when discretionary authority exists. Under that standard, courts examine whether the decision resulted from a deliberate, principled reasoning process and whether it is supported by substantial evidence. See McAlister v. Liberty Life Assurance Co. of Boston, 647 F. App’x 539, 544 6th Cir. 2016.
Understanding Liberty’s policy language and litigation history is critical when preparing an ERISA administrative appeal.
Liberty policies commonly include:
• An own occupation definition of disability for a limited period
• A transition to an any occupation standard
• Mental illness limitations
• Discretionary authority language
Why Prudential’s Claim Practices Matter to Your Case
If Liberty denies or terminates your long term disability benefits, you generally must complete the administrative appeal before filing suit.
In most ERISA cases:
• There is no jury
• The court reviews only the written administrative record
• New evidence is often excluded
That means the appeal is not a formality. It is the foundation of the case. If the record is incomplete or poorly developed, your ability to challenge Liberty’s decision in federal court may
be limited.
See Our Happy Client Reviews
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. 
Trustindex verifies that the original source of the review is Google. Financial Pressure on Claim Decision Makers
Insurance companies are businesses, and disability claims can involve substantial financial exposure over time. That reality matters. Claimants should understand that denials are not issued in a vacuum and that the financial structure behind disability coverage can influence how claims are assessed and defended.
How We Approach Liberty Disability Claims
When reviewing a Liberty Mutual disability claim, we look closely at the policy language, the administrative record, the medical support, and the reasoning used to justify the denial or termination. We work to identify gaps, inconsistencies, and unsupported conclusions so the claimant’s condition and work limitations are presented clearly and forcefully.
Our Role As Advocates
Eric Buchanan & Associates represents policyholders nationwide in ERISA disability appeals and federal litigation.
We understand how Liberty evaluates long term disability claims and how federal courts review those decisions under ERISA.
Our role is to hold insurers accountable when benefits are denied or terminated without proper support under the policy and the law.
If Liberty has denied your long term disability claim, we are prepared to guide you through the appeal process and, when necessary, pursue the case in federal court.
Contact Us Today!
You don’t have to deal with the insurance company alone.
If your claim was denied, delayed, or handled unfairly, our team is ready to review your case and help you understand your next steps. Call: (877) 634-2506