ST LOUIS, MISSOURI -- I had been on disability for 2 years (breast cancer survivor). I had effects from radiation and because I wouldn't sign an authorization to give them my tax records, credit history, they said I was un-cooperative and denied my benefits. They already had all the medical info they needed. They just wanted me to open up a check deposit account to transfer money and I saw no need to sign.
These people are brutal. And now, this company is withholding my retirement. I'm old and sick and no one cares. I've written to my congressmen and congresswomen and all agencies. Nothing. If anyone else is going through this problematic situation with a non-profit church agency please get in touch.
MISSOURI -- Liberty Mutual is my husband's company workers comp carrier. My husband was at work on 3/18/09 and was hurt (2 witnesses). He went to the hospital, went to his own doctor and received a script that he was not to return to work until further evaluation. He went to the company's doctor and to this day, he has not received on workers comp check. My husband's company was very disrespectful to him, told him he was not getting paid for the time off because even with a doctor's note, they said he has to call in everyday and say he wasn't going to be there.
So he started calling and then they told him they couldn't talk to him (his supervisor's) that he had to call the main office. We sent an email to the main office and received a very snotty reply stating that he did not have to call in or email, but still has not received a check. As soon as they told him he would not get paid for time off, he had to seek an attorney.
So next month he should be going to court for back wages, attorney fees and court cost is what the attorney wants. My husband had a referral from his doctor to see a pain management doctor and Liberty Mutual denied that. Liberty Mutual needs to read the workers comp laws because they are in big defiance with them and I hope workers comp sees this.
I became disabled in 2005 due to 3 medical conditions that do not allow me to work. Liberty Mutual paid my benefits for approx. 1 yr while I applied for SSI. When my SSI was approved after appeal Liberty Mutual promptly denied my benefits. My conditions had only worsened but they said I was no longer disabled. The 5 different doctors I had seen all agreed and put that in records sent to Liberty Mutual. They initially said they did not receive them but when pressed by an attorney they found them but still denied my benefits.
It has been a year and one half now and we have spent all of our savings, lost 2 cars and owe doctors and hospitals thousands of dollars which are in collections. We are on the verge of losing our farm that we worked hard to build up and are behind on all utilities. I tell this only to let you know we have tried to keep it together all this time while our attorney appealed the decision.
This was done on September 13, 2008. My understanding of the process is they would have 45 days to make a decision. December came and Liberty Mutual did not even respond to the appeal and when prodded by the attorney in February 2009 again said they had 45 days to decide. Today April 16 they decided and still deny my benefits.
The ERISA law may have valid applications but when a company has no fear of losing anything other than what they owe you with no penalties to them possible what deterrent do they have to just holding your money and earning interest or starving you out so you will throw up your hands and start living on the street.
MARYLAND -- I went online to Liberty Mutual's website to register my new personal liability policy and pay the premium. I kept getting error messages so I called customer service. The rep verified it was a valid policy and didn't know why I couldn't register it. I asked for tech support. After being on hold a very long time she gave me phone number that she said was for tech support. It turned out to be an agent who wanted to sell me a policy.
On my own, I located the tech support number and was told that this type of policy cannot be paid online. Why didn't the rep know that? Also, they had the wrong amount for my homeowner's policy. Of course, the amount on their website was too high which they verified but never got around to correcting.
MASSACHUSETTS -- Since the incident, Liberty Mutual has shown bad faith. Despite the fact proven by weather condition, phone company and TV company who had to replaced their equipment due to the lightning, Liberty Mutual has shown me no good faith and tried everything to delay the payment. Finally, after expert and 7 months they sent me a $3,464.47 check instead of more than $55,000 in damaged. I strongly advise to choose another homeowner insurance to anyone. One of my friend has a similar experience with them so it looks like a pattern with this company.
I have tried to receive money due to me. $1500.00 from a claim by their insured. 100% at fault and they still have not paid. I send them information requested and they say they never received it or when they do they interpret their way. Terrible customer service. I was warned at the beginning of the claim that they were the worst in the industry and they sure are.
GLENDALE AND SURPRISE, ARIZONA -- Bogus (expired) rate quotes for advertised reduced rates. Quotes have already expired when quoted! Fraudulent and deceptive business practices. Agents then "up-sell" and try to gain homeowner's business prior to autos which premiums are not competitive.
In November 2009, I hit a stopped car and totaled my 2003 Sienna minivan. Liberty Mutual guided me through what I needed to do and quickly gave me a fair settlement on the Sienna. My insurance premiums have not increased. Based on my experience, I would recommend the company to others.
Liberty Mutual denied my payments after paying for coverage for 23 years. I am now on social security disability. My health has declined drastically. I lost my income, job, health insurance and pride. I should have had 3 years to resolve my health issues. But without health insurance all treatments stopped. Now I have more severe problems.