In an internal appeal, you go to your insurance company (individual or funded plan) or your employer (self-funded plan) and ask them to reconsider their decision. Appeals can be filed after receiving a service or before receiving it. You have 6 months (180 days) from the day you learned that your request was denied to file an appeal. Then, your insurance company has a set schedule for responding.
You can also file an expedited appeal, for example, if waiting for a long period of time could cause more harm. If your disability application or other Liberty Mutual disability request was denied, you may be able to file an appeal. This can be done through private insurance providers such as Liberty Mutual, Northwestern Mutual, Unum, and more. If an insurance company denied your long-term disability insurance claim in the past 180 days, an insurance lawyer can help you appeal.
However, Liberty Mutual Insurance Group does everything in its power to restrict the rights of its policyholders and does not worry about the reciprocity of its relationship with the insured. If your application for Liberty Mutual Disability or another disability insurance company was denied, you may be able to hire an experienced lawyer to help you file an appeal. Speakers Monica Bryant from Triage Cancer, Mary Kwei from the Maryland Insurance Administration and Aimee Hoch from the Cancer Support Community talked about what patients and caregivers should know about the insurance appeal process. It can take months to appeal a Liberty Mutual decision for disability or other long-term disability, and the exact times depend on the level of appeal needed.
If a worker's request for disability or other disability benefits from Liberty Mutual is denied, you may be able to appeal the decision. If you receive a denial of a health insurance claim, you can contact your state's Department of Insurance to help point you in the right direction. Liberty Mutual is one of the worst offenders when it comes to denying or delaying disability insurance claims.