How does Liberty Mutual handle an appeal?
When an appeal letter is received by Liberty Mutual, your Disability Case Manager will review any new evidence submitted to determine if the claim can be reopened. If your claim cannot be reopened, it is forwarded to the Appeals Review Unit, which is separate from and independent of the regular disability claims team. A letter is sent to you within 5 business days acknowledging receipt of the appeal. Following receipt of your initial claim, and whenever further details or clarification are needed, Liberty Mutual will contact your doctor. All information available, including any new medical records, treatment notes, or therapy details submitted with your appeal, are reviewed and, if applicable, discussed with a Peer Advisor (a staff medical doctor (MD) with an appropriate specialty). The Appeals Review Unit makes a decision on the appeal within 45 days of receipt of the appeal letter. You will be given written notice of the decision, with an appropriate explanation.
