What are my options if my claim is denied by Liberty Mutual?
If the Disability Case Manager determines that you are not or are no longer disabled, the decision is reviewed by a Liberty Mutual supervisor. The Claim Manager may make the decision final or implement a Peer Review process if appropriate. If the denial decision is upheld, you are notified by telephone, followed by written confirmation. The letter to you will include the reasons for the decision and explain your right to appeal. A description of the information that should be provided to Liberty Mutual for re-consideration is also included. If you disagree with the decision, you are required to submit a formal, written appeal to Liberty Mutual. If your appeal results in the initial denial being upheld, you will again receive a letter containing the medical reasons and steps to take if you would like to submit a second level appeal. Any new information should be submitted for consideration. You again are required to submit a formal written second level appeal to Liberty Mutual. If you c
