Complaints
If you are a customer of Liberty Mutual and have a complaint, your complaints should be filed here at the Better Business Bureau of Massachusetts. There is NO Way Liberty Mutual has earned a rating of A+ with the BBB. Not with the thousands of claims denied on a daily basis. An informed consumer who has had ANY type of claim denied, no matter how small, should be filing a complaint.File a complaint HERE:
Review Liberty Mutual’s Business Reliability report HERE.
If you are a policyholder or claimant in NEW YORK STATE you can file a complaint online HERE:
It’s your right as a consumer to file a complaint when a company does not honor their contract. We know that Liberty Mutual is aggressively denying claims to increase profits. Many people are suffering directly and indirectly from irresponsible decisions forced upon Liberty Mutual employees by the management of Liberty Mutual. All Americans should STAND TALL when a claim is denied and immediately file a complaint. Liberty Mutual MUST start honoring the policies they have written in good faith. Nothing less will be accepted.
I left the comments section of this page open. Feel free to use it as a forum to communicate your complaints to other policyholders.
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All of you people mneed to remember one thing. You were lucky to have a job according to the big shots. Oh did I forget to mention that they were sued for overtime by the employees on the east coast and the employees won. My idiot boss said Liberty would never do anything like that. Right
1) My auto insurance company for over 50 years = Liberty Mutual.
2) My auto insurance company who’s against me = Liberty Mutual
3) My auto insurance company who believes a Witness who is not on a Police Report and has a Criminal recordfor 2nd Degree Grand Larceny (LYING to defraud). = Liberty Mutual
4) My auto insurance company who believes false information = Liberty Mutual
5) My auto insurance company who refuses to believe NYC DOT (Department of Transportation) = Liberty Mutual
6) My auto insurance company who refuses to open up and investigate a claim when presented evidence = Liberty Mutual.
7) My auto insurance company who is rude on the phone to me = Liberty Mutual
8) My auto insurance company who raised my rates based on erroneous information = Liberty Mutual
Help Us in our Fight for Justice – Please Post this on your Social Media Accounts. Let people know howLiberty Mutual Auto Insurance Company treats it’s customers.
Bravo!!!! Love your spirit. I reacted the same way after the tried to pull the wool over my eyes while I was employed there, they have no scruples. As the saying goes, it all comes to the top of the bowl!!!
I know what you mean, I just got fired from LM for recieving spam email…and I just found out my medical coverage ended the day I was terminated, not the end of the month like I thought.
Sounds like some mgmt. shill was behind that. Complain to Civil Liberties and be sure to get Cobra.Very very terrible that they did not at least give you some time for service you provided. Which state and which dept? Contact an atty for a free consultation to see what your rights may be.Motha FFFFFF ing Liberty stires again!!!!!!!!!!!!!
I had started with LM over 30 years ago. Now happily retired. I got to witness the destruction of the company. It all began in the early 90s. They began by getting rid of the older agents. The new sales reps were no longer taught to build lasting relationships with their clients, it all became about the numbers. Unethical and downright illegal activities began to rise as a consequence. The long history of tenured knowledgeable sales reps gave away to the hiring of a multitude of new sales reps who since have been averaging 5 years of service. They are now on a constant monthly evaluation, designed to maximize sale numbers and minimize their tenure. At the same time the sales compensation plan has been constantly changed to lower their earnings. Bottom line is that they don’t want any sales rep making anywhere close to what they used to. They are all under incredible stress. They are constantly facing being fired from month to month if they don’t keep their numbers up. Quotas are increased annually. Many have taken to drinking and god only knows what else.
In the early 2000s they began to get rid of the Service Department managers, all who had come up from being Service Representatives themselves. Competent individuals who knew well how to do the job. The Serv Department was then turned over to be locally managed by new Sales managers who knew nothing of the service position. This has resulted in added stress. Now service is evaluated by a system designed by higher ups with no practical experience whatsoever. This has created a series of constant kneejerk changes and revisions which do not seem to have any basis in either common sense or practical proven effectiveness. They keep introducing new applications and systems full of errors and service is then forced to constantly apologize for all of their mistakes. Most feel that they are working for a Mickey Mouse organization.
The premiums are designed to attract new clients, then they are quickly and substantially raised at the next renewal. They count on many consumers not shopping around. The old company used to be proud of its high client retention, now they don’t seem to care. They are not alarmed at the falling retention numbers. Individuals who know little about insurance and the importance of client retention are now in charge.
It is all now about maximizing profit, and nothing about caring about the insureds and even less about the employees. A complete 180 from what the company was all about before the 1990s.
I do not know of any department that has not been complaining about the stress level and low morale. More work for less money. Many have not gotten a raise in years. These new managers seem to be taught to manage by focusing only on the negatives. You don’t like your job? Well, you know where the door is!
I also got to hear about the increasing complaints over the delays and downright denial of claims.
The company keeps overstretching by going international. It is playing a very dangerous game. It has been gambling with the personal lives and careers of so many good individuals.
It was all so sad to witness. Glad to be out of there. The old Liberty Mutual we used to know is long gone.
Bravo! Sounds like the same torturous climate I was exposed to. Stress kills! These punks are just that. They would always send an indian to do a chief’s job and then look the other way when you stand up to them.I didn’t get my valentine’s Day card from teddy this year. I am very glad that we can vent on this site as I am still passionately pissed at this company. I did not have to be like this. Enjoy your money Kelly.
“Retired and Happy” said it all in a perfect historical perspective except that I think the real hell at Liberty came around 2000.I know exactly what he means when he says “The Old Liberty”. A great place to work where customer and employee were treated like family.An office not far from here just lost a veteran “heavy hitter” with thousands of accounts who went to a brokerage because Liberty only wants the “stellar” multi-car, married, great credit customers.What is interesting is that I have a great source in the sales dept. that tells me the “stellar” new customer gets better rates than an existing customer with the same exact profile!They will loose hundreds of accounts because of this veteran’s departure.What is said that their “crap” is like the Sonny Bono song “The Beat Goes On”.They never learn.
Safeco recently merged with Liberty Mutual and my life has become real hell. We had a home fire and Liberty Mutual Investigators have pulled every stop and every stunt to try and deny our claim pulling in every interview and every dirty trick in the book. Even questioning our family who lives there and why, why we dont have a mortgage and how we are able to pay our bills. They sent me a letter saying I needed to hire an attorney so we had a public adjuster and asked for an attorney then we hired their suggested attorney, which they then threatened his firm for representing us in our claim. So he turned over our case to another attorney because they are playing cheap parlor tricks that his little firm is not prepared for, since they can have satellite offices of attorneys and attorneys to just sling mud here and there.
I witnessed 2 heart attacks, one nervous meltdown and I was hospitalized for pancreatis for a week and they hassled about when are you gonna come back?I had 3 family memebers die whiole working there and the bottom line was”what are you gonna do about you”? These people are not the same as the Liberty of the 70s. Don’t even apply there. Travelers and Chubb are classy outfits and not punitive and demaening.
All insurers are corrupt and only want to collect premiums and don’t want to pay out a dime on a claim. They write just about everything that is covered out of a policy and use words that they can twist to mean whatever they need them to in order to wrongly deny claims or low ball offers to you. If your policy states we will pay you 30 days or 60 days after filing your covered claim and you haven’t been paid every penny you are owed then hire a lawyer and sue your insurer then when you win file another lawsuit called a bad faith lawsuit and get up to 5 times your original damages plus things that were caused damage wise that weren’t covered by your policy but were caused by their not paying in the first place. Things like you getting stressed and having to go to the doctor to get medication to calm your nerves or your wife having to do the same are the type of things you can sue for in a BAD FAITH LAWSUIT. Never settle out of court once your lousy insurer makes you sue to get paid and always do the bad faith lawsuit after you win money in the first lawsuit. Worst of the Worst insurers Allstate, AIG, 21st century, All AIG subsidiaries, StateFarm, Farmers, Nationwide, Liberty Mutual, USAA, Geico & Progressive.
Liberty Mutual sucks and I cannot seem to find a lawyer to take my case because they sucked me in and the statute of limitations is 2/26/13. I was in a hit-and-run accident which caused me whip-lash injuries and stress beyond belief because my beloved service dog was also injured. Did you know a medically prescribed service dog is considered property to insurance companies. Anyway, because the bumper on my car did not show an excessive amount of damage, the LM adjuster decided there was no case. Then when she found out I had Fibromyalgia, a case was opened, but I was only allowed a certain amount of treatments to get well. Also, no consideration for the mental anguish caused by my service dog being hurt. How can I find a lawyer who will take my case with less than a month before the statute of limitations runs out. Any advice? I would like to start a blog like the guy who finally got compensated from Progressive, but I have no idea how to accomplish this feat. Can somebody help?
Add Safeco they merged with Liberty Mutual and hide behind the old Safeco name but it is a sham and they screw you. Get a public adjuster and an attorney immediately. Insurance companies are bullshit. They are sharks and make you out to be this villian when you for years have been a faithful client paying on time everything then disaster strikes and boom, you are all of sudden a criminal. You are the one that is the bad guy. Again, who are you and how did you get this policy? I am sorry why dont you have direct deposit? Because somehow direct deposit is the difference between a theif and someone that isnt a theif. If you donate clothes, well why do you do that that is unusual, you just give your items away? You have new items, well that is really odd. Why are your items new. Well I dont know lady maybe because my kid is 2 years old and isnt old enough to have old stuff!!!!!
I used to work there, I have/had no history of depression or anxiety and due to EXTREMELY poor work conditions I had a panic attack while at work and had to be taken to the hospital because I passed out. they denied EVERYTHING – the company was totally at fault and took no responsibility and I had to pay all of the hospital bills out of pocket.
I’ve never seen so many people LITERALLY go crazy (there was CONSTANTLY people on medical leave from being stressed out, people in rehab, suicide watch, etc). I should report THAT to the BBB.
In response to the former LM research specialist – bravo. This reminds me of David and Goliath. It may take awhile to bring them down but it will happen. Their arrogance will trip them up in the long run.
Thanks – I wasn’t working for LM. I worked for another company. But with that I have multiple resources available to me to use in my research efforts. Since I am disabled, I have LOADS of time to sit on my butt on my laptop and look into the lowlifes that think they are pulling one over on me. Hope my adjuster rots in hell with the rest of them!
He, he. I’m like you. I have a lot of dirt on Liberty Mutual and just let them make the wrong move and oh boy they are going to be sorry. I don’t even need the money so they can’t intimidate me with cutting off my benefits. Oh that’s right they already have. Soon he, he. The timing must be right.
Head on over to the Liberty Mutual Insurance page on FB and read the posts by MANY dissatisfied customers. It’s sickening – it’s the only FB page that I have read that has that many complaints. These jacka$$es need to be shut down. I am fighting a w/c case with them now. Claims that I own a small business – that hasn’t even made $500 in a year and hasn’t made a penny since my injury that they don’t owe me TTD from the full time job I was hurt on. Yeah, I have a lawyer, and yes, I plan on a bad faith lawsuit after my hearing this month. And anyone on here who is an employee that states they work for a good company is a freaking liar and an idiot! You work for one of the worst companies I have ever had the pleasure of investigating. Funny, you want to run over me, but my job consisted of being a research specialist. I have 45 noted websites, over 700 legitimate complaints about the harassment and fraudulent activities of LM. And when I am done, I am handing it all over to MR. LIBERTY MUTUAL in hopes that it will help him in his class action suit. NAMES, NAMES, AND MORE NAMES for him to research and contact.
I posted a lengthy message on their Facebook page detailing exactly what they did to me, an employee of theirs for ten years, when it came to my long term disability claim. I hope you have pulled my story from that page to use against them!!
Please let me know when this will get published. I want in on this. I am opening up my lawsuit against them this month. I am so pissed. They did the most dirty underhanded and back door stuff, it is truly disgusting. They are the anti-christ of insurance companies. Safeco partnered with them and they turned this psycho investigator loose on me. Then I hire a lawyer that they then threaten to sue for representing me. Then that lawyer is waiving all his fees and will be my witness in my case. They are dirty. They are pissed because we hired a public adjuster and they tried to play us for the fool but they didnt get to walk over us like dummies. So they are pulling every dirty parlor trick on us. It is the sickest dirtiest thing I have witnessed in my life. This was my families home, our home!! You are messing with my family. Because you make this some sick head game like our lives are ok to toy with. I am going to write every single senator from this state to the next every blog and dedicate every night and every day to make sure that those investigators and my safeco adjuster assigned to me, always……remember never underestimate your opponent. Those who seem meek and mild and those who are uneducated and have a poor credit history and dont look like much can move moutains if they damn so wish!! If I lose then so be it, but I didnt take it lying down or on my back nor did I just bend over and let them think that they can just take advantage of people that dont appear to have anything. I may not be rich or have the powerful last names or even know a damn person at the white house but I tell you what, I can stir the pot just like anyone else. Social media it sure is a beautiful thing. Fist pumped in the air……………………….
For everyone who has had claim issues, cancellation problems etc. with Liberty Mutual I strongly urge you to file a complaint with your State’s Consumer Complaint Division. If there are enough grievances and the Consumer Division sees a pattern of negligence – they may investigate further.
First go to http://www.usa.gov/directory/stateconsumer/index.shtml
Click on your State
Then towards the top of the page you’ll see a link that says “State Insurance Regulators “. That will take you to the area where you can file a complaint.
Hope this helps.
One other thing…. you may want to read this report by the American Association for Justice (formally the Association of Trial Lawyers).
The title is “TEN WORST INSURANCE COMPANIES IN AMERICA”
The list was created from “a comprehensive investigation of thousands of court documents, SEC and FBI records, STATE INSURANCE DEPARTMENT INVESTIGATIONS AND COMPLAINTS, news accounts from across the country, and the testimony and depositions of former insurance agents and adjusters.”
I believe this was written in 2007 (?). I’m sure if they re-did the study Liberty would be closer to the worst IF NOT #1.
http://www.justice.org/docs/TenWorstInsuranceCompanies.pdf
Do you any ideas on what to do if you have an ERISA LTD policy? You have to prove “malicious and capricious” behavior.
Regarding the fleecing by Kelly and Long of LM policyholders, we can all report that they should have returned that money to policy holders to every state regulator? I tried in one state and they said they couldn’t do anything about executive compensation.
That’s because of a little xtra cash in their pockets. LM is not honest!
I took early retirement after obtaining 55 years of age and 10 straight years of work.I retired in 2008 about 1 year before they got rid of Commercial markets after 90 years of Direct selling. My mom, dad and younger brother died before I had a hernia. pancreatic attack and took pain pillis after out patient back surgery. They lowered my pension becuase performance slacked. Their averaging method hurts people whoare suffering through no fault of their own. I told the jerk who was breaking my shoes to go F— himself at the top of my lungs and am a workingmans hero to the others that worked in Valley Stream, Li ,NY. They were a nice compamy back in the early 70s but changed in the 200os.I am receiving health benies and pension early and am thrilled that I never have to ever see any of the bastards and lying weasles in management ever again. I hope they dont screw with retiree bennies. Do not trust Mother F——- Liberty!
You might think about getting a lump sum distribution of your pension and roll it over. The only problem is market instability but I wouldn’t trust Liberty and I have a feeling they are going to suffer tremendous losses due to their corrupt practices of denying valid claims and treating employees so terrible. If you are able to do this it would completely sever ties with them and you could do and say anything that would expose their corruption without injuring your pension.
Thank you for what you did. Now is the time to take them down. One way is to contact large companies that insure with them for workers’ comp. and LTD. If one company drops them as their insurer it would be thousands of policies in one cancelation.
Did anybody notice Liberty Mutual’s announcement in the Boston Globe about them doing business in India? I feel bad for India but I think it was a diversion tactic as the Boston Globe series is hurting them and the Boston Globe shows no sign of letting up. Good for the Boston Globe.
There is a new ERISA case that is about lump sum distributions. It’s bad news for employees of course and lump sum pension distributions.
ERISA can only be stopped by getting rid of it through legislation.
UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT
DAVID DAY, Plaintiff-Appellant,
v.
AT&T DISABILITY INCOME PLAN, Defendant-Appellee.
No. 10-16479 D.C. No. 5:06-cv-01740-JW
Opinion by Judge Fisher
David Day, an ERISA plan beneficiary, elected to roll over his pension benefits into an individual retirement account (IRA) upon separation from his employer, AT&T.
Exercising its discretion, the plan’s claims administrator construed Day’s lump sum rollover as the equivalent of his having “received” his pension benefits and, according to the terms of AT&T’s Disability Income Benefit Plan, reduced Day’s long-term disability (LTD) benefits by the amount of the rollover.
Day argues that having his pension payout deposited directly into an IRA subject to tax penalties for early withdrawals meant he did not actually receive the funds, an interpretation that finds support in Blankenship v. Liberty Life Assurance Co. of Boston, 486 F.3d 620, 624-25 (9th Cir. 2007).
Reviewing the claims administrator’s decision for an abuse of discretion, however, we must defer to the administrator’s reasonable interpretation of the plan.
We also reject Day’s further contentions that AT&T failed to sufficiently disclose the possibility that his LTD benefits would be reduced by his receipt of pension benefits, and that the administrator’s actions violate the Age Discrimination in Employment Act (ADEA).
Accordingly, we affirm the judgment of the district court.
Well, WELL, mR kELLY GETS 50Mil and retirees get their health bennie costs to go up substantially. Well, well at least us peasants have them. I hope to God I meet this wiseguy in Fla someday and kick his ass in half.
Wait until Liberty has to pay the bills for “Super Sandy” and their reserve money is in natural gas in Brazil as the not so smart Edmund Kelly was proud of telling the world about a year ago.I bet there is a long wait for policyholders to get paid. I pity the customers. I don’t pity the board of directors who gave “Super Idiot” Ted so much power to destroy what used to be such a secure,customer oriented, and loyal employee company.
I was thinking about Sandy and how there is going to be a lot of pissed off homeowners that won’t get paid.
It just might be the crisis that takes them down. I hope so.
LMG cancelled and non renewed HO policies all over LI a few years ago and the local press ripped them up. I hope ssssomething similar happened in NJ Have no idea if LI ers dropped coverage and left. I was an employess adn near retireeand they tried to dump me. I appealed and they doubled the rate. Thanks to a nice lady I appealed and raised deductibles etc to bring it back down. Just to the same premium level that the UND Supv was paying in a much better neighborhood. LMG and ted Kelly SUCK my bigdyk.
In 1995, I was at the White house for a reception given for early Clinton supporters from NY State.Clinton spoke to the crowd and a lot of his message had to do “with guys that look me”(meaning middle aged white guys)who were being “downsized” into unemployment and the devastating impact on those families(no health insurance,no money for college,retirement dreams destroyed). Clinton’s point was that middle aged white guys were an easy target.If you were in that group,it would be hard to claim discrimination and get help from a government agency like the EEOC.Seventeen years later and every group is now “downsized” with no recourse.Woman, minorities, people with disabilities, etc.Age discrimination is rampant in our country.It is a plague.Has Obama talked about it?Romney?
No way.Big business gets a free hand.Now billionaires can contribute secretly to “super pacs”. Neither party protects the “American Dream”.A pox on both their houses.
This is an excellent read. It’s a filing in the Liberty Mutual Insurance Company, plaintiff against Michael J. Devereaux & Associated, PC d/b/a Devereaux Baumgarten, defendant case. Exhibit/Docket 26-1 filed by Michael J. Devereaux and discussing pending and closed cases for which Liberty Mutual still owes money for legal services.
It is revealing in that it discusses the methods used by this attorney to win cases for Liberty Mutual. It has names too.
http://www.scribd.com/doc/97616262/Liberty-Mutual-Insurance-Company-plaintiff-against-Michael-J-Devereaux-Associated-PC-d-b-a-Devereaux-Baumgarten-defendant-26-1
THIS IS A MUST READ FOR EVERYONE. The Boston Globe has written a new article that has an interview with David Long. He actually said this during the interview…..
‘Long talked about the company’s “$18 billion in capital.” He said, “The whole issue of dividends is tricky.”
“We are a much more financially secure company, to pay out our policy holders,” he said. “Policy holders have the ultimate say. If they don’t like what we’re doing, they can go somewhere else.””
READ THE WHOLE ARTICLE HERE
http://bostonglobe.com/metro/2012/06/12/the-viewfrom-top/M6EYFeckQuB2sMBsMxfc3H/story.html
I read the article and the one before. I want to thank the reporter for what he is exposing. I was just denied LTD and I am very sick but Liberty Mutual hires their insurance doctors that will say anything to get paid by Liberty. I say we need to start exposing the companies that insure with them and the doctors that lie. You can find information like this in lawsuits that have been filed. It’s time to approach the companies that insure with them and tell them how bad it is for their business to deny valid claims. When the economy is stagnant like it is today one denial of a valid claim is bad news for your business. One less consumer in the marketplace is bad for business.
Does anyone have any documented information or statistics on the Liberty Mutual practice in NY of under valuing automobile property damage & repair costs with their in-house “licensed appraisals” of auto accident damage that seem to always be less than any reputable third party auto body repair shop estimates for repairs. It seems to me that there may be a bad faith claim if not a class action similar to the CCC auto damage appraisal cases against other insurance companies.
Open letter to Liberty Mutual.
A family member has one of your rotten, corrupt plans and we are planning on starting a blog about LM. On this employer friendly blog we’ll be helping the largest employers in connecting the dots regarding how your corrupt behavior impacts their customer footprint. You probably will not take this advice as you are too arrogant but instead of one or two disgruntled policy holders we intend to make it clear to all large employers just how destructive denying valid claims is for their business. We also intend to bring in the AHCA as well and it is going to make them realize they don’t need LM and in fact actually harms them on the healthcare side of the equation. Instead of the powerlessness of the disabled this will be very empowering and instead of your company losing a few policy holders you may lose entire group policies. You deserve nothing less.
“Ted’’ Kelly, under fire for receiving nearly $50 million a year from the Boston insurance giant, said Friday that an “accounting issue’’ made his compensation appear larger than it is.
Related
Video Liberty Mutual’s Edmund F. Kelly talks salary
Liberty Mutual profits up 26% in first quarter | More
4/25 McGrory: Lots more to Liberty Mutual pay story
Kelly, who retired as chief executive last June after 13 years, but still serves as chairman, estimated his annual compensation package between 2008 and 2010 was closer to $13 million to $15 million, but was inflated by performance incentives, collected over the years and only recently cashed in.
“It’s an accounting issue,’’ Kelly, 66, told the Globe, shortly before he spoke to students at MIT about growing up in Ireland and his business career in the United States. “It’s as if I got stock options over the years. If the company does well, the stock options do well.’’
Kelly’s defense was echoed by chief executive David Long, who said in an interview with the Globe Friday that the compensation numbers were misleading because they included tens of millions of dollars in performance incentives, called phantom stock and options, that Kelly accumulated over nearly two decades with the firm. Long added that Liberty’s board tries to set executive pay in line with what similar companies offer.
“I am not going to apologize’’ for Kelly’s pay, Long said. “I think Ted Kelly built a hell of a company, and I was pleased to work with him and I don’t think he has anything to apologize for either. I think a lot of people who worked for him would say thank you to him.’’
Reports of Kelly’s recent pay, however, have angered some policyholders. The company has received about 250 complaints, Long said. Liberty Mutual is mutually owned by its policyholders, so any surplus profits are supposed to go back to customers as dividends or be reinvested in the company.
Although Liberty Mutual has no stock to be traded, the company created a phantom stock program designed to mirror the stock incentives used to reward executives by publicly traded companies. Stock options give executives the right to purchase stock at a set price in the future: If the stock appreciates, the executives make money; if it falls below the set price, the options become essentially worthless.
Liberty Mutual created a similar program to tie some of its executives’ earnings to increases in the company’s value. The value of its phantom stock and stock options skyrocketed over the years because of the company’s rapid growth and improving finances, Liberty Mutual executives said.
Kelly said the company was near bankruptcy when he first joined the company in 1992 as president. It is now a solidly profitable Fortune 100 company with about $35 billion in annual sales. That pushed the value of the phantom stock from less than $18 in 1993 to nearly $100 last year.Continued…
Tks to Dan for this great info.What would you expect from Liberty?I had John Hancock for a long term care policy and when they went public I got shares of stock!That is how it should be.A mutual company goes public and shares of stock are issued except if you are Liberty Mutual.Liberty Mutual creates this mutual holding company and the policyholders get bupkas.Except, of course if you are Edmund Kelly.You get phantom shares!What a great incentive for Kelly’s pocketbook to age discriminate,terrorize employees, and get rid of people.I am the Phantom that”Knows What Evil Lurks in the Heart of Ted Kelly”.A true disciple of Gordon Gekko-To Kelly, “Greed is not only Good, It is great.Note that Liberty’s pension plan is under 90% funded.Thank you Ted and company.
I hope he dies a slow long death the jerk,
MY DEAR HUSBAND, ALONZO, CAME VERY CLOSE TO BEING KILLED ON HIS JOB AS A STEEL ROLLER AT BRAEBURN STEEL CO. WHEN HE WAS DENIED HIS RE-TURN EMPLOYMENT DUE TO NERVE DAMAGE IN HIS BACK, NECK AND LEGS, HE WAS PUT ON DISABILITY. BECAUSE HE WAS DENIED COMPENSATION BY HIS COMPANY C.O. HE HAD TO GO TO LAW TO FIGHT FOR HIS RIGHT-FUL BENEFITS…. DUE TO COLLUSION BY THE COMPANY AND THEIR INSURER, WE HAD TO PAY LEGAL FEES TO GET A LITTLE FAIRNESS. IT DID NOT MATTER THAT “LON’ WAS A VETERAN, HAVING SERVED THIRTY MONTHS IN THE KOREAN WAR. HE WAS NOT TREATED FAIRLY THEN AND TO THIS DAY IS TREATED AS THOUGH HE HAD DIED…..YES, HE WAS A MEMBER OF THE UNITED STEELWORKERS BUT RECEIVED NOT HELP THERE EITHER…. LET’S HOPE AND PRAY FOR ALL OF AMERICA’S GOOD CITIZENS, AND MAY GOD CONTINUE TO BLESS OUR LAND, SINCERLY, BERTHA BAIR
A note to those have been been mistreated.If you still have your insurance with Liberty,go shopping.There are big savings “in them thar hills”.In my state,I hear great things about the company of the little green lizard.Who cares about “responsibility” like someone holding open a door for a sight challenged person or helping a neighbor rake leaves.Its about the money!In this day and age with gas prices and other exorbitant living expenses going up, to paraphrase the Cuba Gooding, To Cruise movie,”Show me the savings”.
The mid sized insurance companies are the way to go. For example in Maine, there is MMG http://www.mainemutual.com and Patriot Insurance http://www.patriotinsuranceco.com. I agree with 100% – stay away from Liberty.
For a real eye opener read this recent article in the Boston Globe
http://articles.boston.com/2012-04-18/metro/31356062_1_liberty-mutual-john-cusolito-fortune
That is where the premium payments are going.
I was disabled in car accident and I had a group policy with Liberty Mutual. I can say this, its not the entire company who’s bad, its certain claim managers. These claim managers are rewarded on how many claims that can be denied, or how fast the injured can be push back to work. After being on STD I transitioned to LTD, and my life was hell for 2 years. I have had 3 other claim managers since then and things have gotten better. Its just amazing how bad it can get when you are looked at as low hanging fruit and you have a claim manager who is trying to get a bonus off of you.
bighead this is why you have to inform your employer what is happening. By harming their employees they give the former employer a bad reputation when the truth is the employer doesn’t know what happens to employees after they leave the company. Try to convince your former employer to stop offering ERISA LTD policies and tell them they should have their employees get a private policy as far away from ERISA as possible. I wish I had canceled my group policy and got a private one. These ERISA sponsored plans are very profitable for the LTD insurers like LM. The way to stop them is to get your former employer from sucking in their employees into this rotten LTD policy. They would be doing themselves and their valuable employees and their customers a favor by not subjecting their employees to the likes of LM.
Sadly, most employees have no idea what ERISA even is or how terribly it can impact them in their time of need. In my case….Liberty Mutual WAS my employer. Do you think they had any intentions of treating us fairly? Nope. When new hires come on board, before they enroll for benefits, this ERISA business needs to be explained IN DETAIL so the employee can make an informed decision. In my case, I paid MY EMPLOYER for 10 years for coverage that they knew they would never have to pay. It sickens me.
Lynette have you checked out this consultant? I just saw her website and may call her to manage my claim. There are lots of great blog posts. What did you do for Liberty Mutual?
http://lindanee.wordpress.com/
Believe it or not, I was a disability claims case manager!! I managed short term claims, and i loved doing it because i got to HELP people. but i saw what the Long term case managers were taught. which was why i never would have considered going for that job, despite the higher pay. it sickened me that i could hear the LTD teams chuckling about “another closure” when one of their claimants died. it was disgusting.
the fact that i worked in claims was another reason they included for denying me…because I knew how to “work the system”, so I lied, used my cane for show, said the things i thought they wanted to hear etc. the titanium rod and screws in my back were insufficient proof of anything.
I will check out that consultant…what does she do? Since my lawsuit upheld my denial, I was told that I was at the end of the road and no further action could be taken…
Before I get into my story, I have 2 questions…1.How in the heck is ERISA legal to we everyday Joe’s who pay a premium for something that we have never been told we can’t use, and number 2: What do we, as every day citizens, need to do to get this horrendous law repealed?? Basically, Anyone who carries long term disability coverage had better check to see if the plan is covered under the ERISA law, and if it is, just cancel it. Save your premium money in a separate account in case you ever DO become disabled. Sorry, my experience is a little lengthy, but just to show you how corrupt this company is, I want you to hear it. I had a completely valid claim (I even in the short term claims dept AT LIBERTY!! I was a freaking employee!!)Before I went out of work, the nurses in our claims dept all told me at one time or another that they could not believe I was able to work in my condition and in such pain. It finally because too much to bear & I filed for STD which was paid by Liberty thru 6 months & has also been approved by Social Security Disability. Once I hit Long term, the plan changed & was covered under ERISA, which in a nutshell says that the company can choose to ignore or address whatever info they feel they want to. They sent me to an “independent” dr, who they hired” who conducted a completely phony exam, claims I was faking my condition & used tests that did not even pertain to my condition to prove I was lying. They surveilled me for a total of 50 minutes over the course of 5 days, witnessing me walking to my car & driving to a local gym where they could not believe I took an aquatics class (which was for arthritic people & was dr recommended). What they did not see were the house between each sighting where I was in my home, taking pain medication, applying ice & lying down. Long story short, they denied my LTD & my appeal, so I got a lawyer & sued. After nearly a year, the decision has come back in their favor, because of how ERISA allows them to behave. Nothing any of my dr’s had to say was even referenced. The judge indicated that there is nothing arbitrary & capricious about Liberty relying soley on their dr’s reviews of my records, as opposed to the clinical evidence (like x-rays, MRI’s, CT scan’s and Bone Scan’s – not to mention my 2 operative reports and the post operative notes showing that both surgeries had failed and showing that I have been left with a broken bone in my back, causeing severe degeneration and bone erotion. HOW can this ERISA law be legal, let alone have been legal since the 1970′s?? And what the heck do we, as citizens, need to do to get this law changed or even repealed? My dr was adamant about my disability & was willing to do whatever he had to to get my case won, but gee…under ERISA, we don’t even get a trial in front of a judge! And I’m sorry to say, I don’t necessarily believe that these judges aren’t in the back pockets of these multi-million dollar insurance companies. From all of the research I have doone on-line since my experience, peop,le are getting screwed left & right and Liberty, the “Responsible” company, in particular, who was rated the #8th worst insurer. They need to be stopped!!!
Hello. I too am out on disability with Liberty Mutual and they are denying my claim. I’m sure I’m going to end up in court but I want to say that there is a way we can tell the truth and force them to come around. It will be work though.
The largest employers use them for offering LTD policies to their employees. I’m not sure if these employers are ripping off their employees by getting kickbacks from LM for keeping their losses low. But if we start to phrase the conversation in a way that points out to these large employers how denying benefits for valid claims hurts their business and profits we might get LM’s attention to stop their corrupt behavior.
Hello large employers that facilitate the stealing of premiums for no LTD coverage listen up. What happens when you impoverish a former employee by allowing LM to deny a valid claim? You impoverish their family and you take a consumer out of the mix. Even if that employee doesn’t purchase your products their purchasing power is greatly diminished because they have been wrongly denied LTD benefits that they are entitled to. Consumers drive the economy not Liberty Mutual. They have their billions and are don’t spend but someone on disability will spend that money for their comfort and safety. You really are just screwing yourselves and giving employees a false sense of security by thinking they are covered when they are not. Please drop your LTD plans and tell your current employees to get a non-ERISA plan. A private plan is governed by the state it was written in and a claimant can sue if wrongfully denied benefits. Call your employer that sponsored the ERISA plan and bring awareness to the issue.
I have the same issue with LM. I just began the appeals process but had a 2 hour IME with only 5 minutes of time with the doc. What a farce. I also wanted to file a harassment suit against the IME doc for sexual comments but it has taken LM 5 months to even acknowledge the content with their IME docs. The claimer was “surprised” to hear that there are problems with IME. Not certain where to proceed but I am certain that they will deny me. Soc Sec Disability gave me disability on the first application which I did on my own. LM says that SS opinions do not count in their process. What a crazy system. Any opinions or advice?
I would contact a lawyer or consultant to help you with the appeal. If you hire a lawyer you won’t have much left after they take their share but I found a good consultant to help me with mine. Below is her website. Don’t delay as it is an arduous process and being sick it is difficult to manage without the help of someone that knows the ropes of the totally corrupt system and is on your side without gouging you. Here’s her website. Nothing is guaranteed of course but I would encourage you not to let them get away with denying benefits that are rightfully yours. Have you seen all the articles written by the Boston Globe?
http://lindanee.wordpress.com/
Liberty Mutual’s $50m CEO pay stands out – By Todd Wallack
April 11, 2012
http://articles.boston.com/2012-04-11/business/31318616_1_report-executive-liberty-mutual-john-cusolito
It’s greed to top all – By Brian McGrory
April 13, 2012
http://articles.boston.com/2012-04-13/metro/31332209_1_liberty-mutual-nstar-insurance-executive
Soaring greed at Liberty Mutual – By Brian McGrory
April 18, 2012
http://articles.boston.com/2012-04-18/metro/31356062_1_liberty-mutual-john-cusolito-fortune
Mass. regulators should probe Liberty Mutual CEO’s pay
April 20, 2012
http://articles.boston.com/2012-04-20/editorials/31368365_1_liberty-mutual-policyholders-kelly
Liberty Mutual critics decry pay package
April 20, 2012
http://articles.boston.com/2012-04-20/business/31368240_1_liberty-mutual-john-cusolito-home-insurance
Lots more to Liberty Mutual pay story
April 25, 2012
http://articles.boston.com/2012-04-25/metro/31393288_1_executive-compensation-liberty-mutual-insurance-premiums
Patrick says he can’t intervene on Liberty Mutual pay – By Glen Johnson
April 27, 2012
http://articles.boston.com/2012-04-27/business/31403250_1_insurance-reform-liberty-mutual-auto-insurance
Liberty Mutual chairman says ‘accounting issue’ overstated pay By Todd Wallack
April 28, 2012
http://articles.boston.com/2012-04-28/business/31419106_1_stock-options-liberty-mutual-phantom-stock
At Liberty Mutual, accounting to no one By Brian McGrory
May 2, 2012
http://articles.boston.com/2012-05-02/metro/31521297_1_phantom-stock-liberty-mutual-executive
Liberty Mutual: Your premiums; his premium office
May 11, 2012
http://articles.boston.com/2012-05-11/metro/31656614_1_liberty-mutual-executive-suite-john-cusolito
The benefits of political friendship By Brian McGrory
May 23, 2012
http://articles.boston.com/2012-05-23/metro/31814253_1_liberty-mutual-republican-charlie-baker-patrick-first
View from the top at Liberty Mutual By Brian McGrory
June 13, 2012
http://articles.boston.com/2012-06-13/metro/32194681_1_john-cusolito-million-renovation-mahogany
Mass. launches review of insurers’ executive pay
June 22, 2012
http://bostonglobe.com/business/2012/06/21/mass-launches-review-insurers-executive pay/ZczBM4ZDPJEKNYDQs0B6VK/story.html
Perspectives can change at Liberty Mutual
October 5, 2012
http://www.bostonglobe.com/metro/2012/10/04/Y0QxGU0oOWVvk8xEw2j4FK/story.html
I have a claim with Liberty Mutual they don’t want to pay I’m trying to find out how a c-8.6 is generated It was always right. now I’m fight with them and amounts that I have been paid change I have all my checks but they put lower numbers to make it look like I owe them money, please if someone can tell me how the c-8.6 is generated and how they see different payments then I have HELP PLEASE By the way they changed case managers from nice to nasty once the c-8.6 changed the women became a senior case manager PLEASE HELP ME THANK YOU
I need some emails of team managers, supervisor, district managers so I can forward them some of the stuff I have been dealing with from the Boston office
Thanks
I OPENED A CLAIM OF SHORT TERM DISABILITY START DATE OCTOBER 1, 2011; WHEREAS I WAS DIAGNOSED AS BEING CONSTRICTED WITH ADJUSTMENT DISORDER WITH DEPRESSED MOOD- PRIMARY AND POST TRAUMATIC STRESS DISORDER DIAGNOSED BY MY PSYCHIATRIST, PSYCHOLOGIST AND NEUROLOGIST. MY CLAIM WAS DENIED EVEN AFTER MY DOCTOR WROTE A HANDWRITTEN NARRATIVE OF MY CONDITIONS REQUESTED BY LIBERTY MUTUAL. I LEFT MESSAGES FOR A SUPERVISORS PATRICK STEVENS AND JULIE RONE; TO NO AVAIL I RECEIVED NO CALL BACK. I FINALLY RECEIVE A CALLBACK FROM A JOANNE ARCHER TO COMPLAIN ABOUT THE FALSE STATEMENTS ON MY MEDICAL DENIAL. MISS ARCHER WOULD NOT LISTEN TO THE VALIDITY OF MY ARGUMENTS. I THEN ASKED FOR HER SUPERVISOR’S CONTACT INFO AND SHE SAID SHE WAS NOT AT LIBERTY TO GIVE ME SUCH INFORMATION EVEN AFTER I INFORMED HER THIS IS PUBLIC KNOWLEDGE. MY CLAIM WAS UNJUSTLY AND FALSELY DENIED AND I DESERVE TO HAVE THIS MATTER INVESTIGATED AND REPRIMANDED.
Good luck with that Keith. Liberty Mutual has the procedural upper hand. There is no way to force Liberty Mutual to pay and they know it. But what we can and should do is force the employers that use them to stop. We can and should work to put Liberty out of business. It is the only way.
Liberty Mutual just because you can deny claims and get away with it doesn’t mean you should. The time has come for your corrupt practices of not paying to stop. Your company is anti-American and you should be stopped. You are on your way out as an insurer because your name has been tarnished through this website and through the articles written on the Boston Globe. Your company deserves nothing less.
WELL SPOKEN AQND I AGREE WHOLE-HEARTEDLY!
you can try here:PresidentialSVCTeam@libertymutual.com
About me:
I have a spotless record, not even a parking ticket.
My Credit reports was great with nothing bad on it. “Till now”
I closed my account with Liberty Mutual, In retaliation they sent a fraudulent bill to collections, deliberately damaging my excellent credit.
I have a contract proving I owed nothing, They say it was for past due.
I have been to Civil Court and the Judge sided against my leagaly binding contract. Coruption in the justice system? I have filed an appeal.
In the Magistrate Court I was the only one sworn in, put on the witness stand, and badgered by Liberty Mutuals Attorney.
I didn’t get to ask questions and they didn’t have to answer any.
I say that is a corupt Judge. The Magistrate says there is no recording of the procedings. Next time I am taking a recorder so it can’t happen again.
I also was denied by liberty for LTD, I blew out both knees I can hardly walk and I can’t sit for longer than 10 minutes because the pain is unbearable when my knees are bent, I need surgery but i have a skin condition that needs to be clear first due to the high risk of a post op infection. I since lost my home had to move in with mom at 41, I also lost my car, my drivers license because I can’t afford car insurance, I had to sell all my furniture, and the best part is a have a warrant out for my arrest because of an un-paid speeding ticket, never once did I see when of their doctor’s they destroyed my life, with all due respect LIBERTY SUCKS, I would’ve not needed to be on LTD for long, but now I suffer mentally, deep depression, the darn erisa law man, they can do whatever they want without a care in the world
All doctors are backing me. Liberty made me wait for treatment for a year then they canceled the appointment making me wait another year. Result permanent nerve damage. Now they want to pay me off for a couple $10,000 and destroyed my life. They will retaliate against you. It is not the adjustors. It is Liberty Mutual’s inner policy. Many doctors did not want to be involved because of Liberty’s practices and NONE of the doctors theirs or mine feel highly of Liberty. Note the surgeon that finally tried to correct the injury One of three in this country by the way “Why did they wait so long”. Because Liberty didn’t want me to pull through that’s why. It goes very deep. I am permanently disabled because of them now. I had perfect credit labeled never late on a payment. Had opportunities. They purposely destroyed my life. I want full blown media coverage and because of limited fees allowed on WC claims it is hard to find attorney’s. How many fatalities have occurred because of these practices by Liberty? I have contacted CNN but no answers yet.
Mark, don’t give up. It may be too late for us but if we go down we should make it very painful for them as well. Scour the internet and find cases that show how bad Liberty Mutual is. If your former employer uses LM call them and ask them to drop their policy with them. Call all employers that use them. We can make this happen. Have you read all the articles in the Boston Globe? There may be something actionable in the articles like contacting your representative to do something about Liberty.
Oh, I am not certainly not giving up. I want to go head to head on CNN. People need to know about these atrocities. Flood CNN with emails. If you don’t want to talk to them I certainly will. Just mention me and point them to this site. I will prove with evidence and doctors. They have to be exposed or no one will help anybody. Not only was I harassed by Liberty but the company I worked for. Consistently threatened.
Yep I know what you are saying. I too am being harassed and denied. If a denied beneficiary decides to hire an attorney there will be nothing left for the denied-claimant. The disability attorneys as a rule take 33.33% to help with the appeal and 40% if it goes to court. So the disabled claimant is not going to win no matter what. And to add insult to injury the Liberty Mutual attorneys make $160 an hour according to this recent filing when Liberty Mutual sued its own attorney while a standard rate for disability attorneys is $350 which in and of itself is disgusting. It’s not the disability attorneys problems we as citizens of the US have allowed the insurance companies to have the procedural upper hand. I think the courts are coming around but still the disabled loses. Things have to change.
http://www.scribd.com/doc/97813298/Liberty-Mutual-plaintiff-against-Michael-J-Devereaux-Associates-defendant-Engagement-Letter-160-hr-60-1
Denying treatment and doctors recommendations and referrals are a federal offense under the A.D.A. If you are denied report it. I did and they were charged. They do it again I want to see the CEO handcuffed. Also I got strange coincidence yesterday and today. One a call from the LM nurse asking about appointment that morning. There was no appt. scheduled per Dr. office. Probably my phone service messing up from an old message. I saved it. Today the Pharmacy called said a script was ready for pickup. No script was issued by the Dr.(confirmed also) I had the pharmacy print out the screen for me. I then made an appt. with the Dr. because they should have done a followup from my side affects of meds. Lets put 2 and 2 together. Understand LM tries to use loop holes that can’t hold water. Their loop holes fell in a crater the second they wrote them. Seriously alert CNN I can take them LM & the Co. I worked for head on. No one should be suffering. I won’t accept a penny from the media either.
Dealing with Liberty Mutual these past 6 months along w/ a failed surgery has ruined my life. On 2/16/2011 I received a doctor’s note from my primary doctor who said I am not to work under any circumstances b/c of an unsuccessful ADR Surgery. He has me on a ton of narcotic and strong prescriptions and is simply “holding me over” until a 2nd surgery. This 2nd surgery is finally scheduled in June. The surgeon is from John’s Hopkins here in Baltimore (JHU Neurosurgery), he also wrote Liberty a note saying that I am going to be needing additional surgery.
Liberty denied Long-term disability in January, 2011. They then denied my appeal of this decision in April. I have an EMG, MRI, CT-Scan, all showing the complicating and painful issues related to the problem with my cervical Aritificial Disc replacement. In addition to these tests, and the doctor and surgeon note, Liberty still denied my appeal. I guess they are saying that I am fine and I can venture back to my job, but my doctor and surgeon will not clear me to drive and my company does not want me back driving to sales appointments all over Maryland, Delaware and parts of Northern Virginia, while on 50mcg of Fentanyl, Vallium, Lunesta and Oxycodone. No one wants the liability of sending me back to work in my situation before I have the surgery, Except of course, Liberty Mutual. I am completely stuck!
I have written to the BBB, a long letter and it seems as though Liberty can simply say NO and that is the end of the line. I never once seen one of their doctors, they have never seen me in person, they have never sent my doctor a request for info, etc… They simply say DENIED and that is it. I have since drained my savings trying to hold out until this surgery. I am so disabled right now. The pain is so unbearable from this catastrophic surgery. The JHU Neurosurgeon is going to take the disc out and perform a fusion which hopefully helps. I hope that no one has to endure this terrible pain and situation. I guess the only thing worse than this surgery has to be dealing with Liberty Mutual and their obvious disregard of the truth.
I am simply screwed. I have to endure the surgery and I am truly thinking of selling my car and moving out of my apartment to live in a Van and recover in this vehicle until I can get back on my feet. Not a dime of income since January as I fought the appeal and could not get Unemployment, b/c my company had put me on a leave of absence so I could keep my position. They want me back, just not in the shape I am now.
That’s absolutely CRAZY!!! If they want you to drive on drugs, will THEY be responsible for any fines you get for driving that way??????? How do they expect you to do your job? Have you asked them yet? I’m sure you must’ve since you posted your note a month ago. How did it turn out???
Liberty cannot deny treatment, surgery,etc from your doctor. It is a crime under the ADA. I suggest reporting them and contacting Media and attorney’s. Liberty is getting out of hand. Probably is already out of hand. How many have died from this kind of treatment from Liberty? Question is how many people are going to continue to allow Liberty to get away with these things.
To mark: LTD coverage does not pay for medical bills, it pays supplemental income while you are out of work. LM has no say what type of treatment you get and does not pay for it. That would be through your medical insurance.
We won a summary judgement against Liberty Mutual in Washington state federal court for wrongfully canceling our policy two months before we had a home fire. They would rather spend $450,000 dollars defending themselves in attorney fees than pay our claim. We have a settlement meeting in two weeks. This company has caused our family to be homeless for over two years. Please do not do business with this company.
Debbie -
I feel your pain, we had a fire last year and Liberty Mutual ‘denied’ our coverage by filing a declaratory judgment. Now a year later were still fighting them, and they sure make up a lot of bs. In their claims notes; their SIU investigator even lies directly to his superiors, and magically destroys and doesn’t have any of his handwritten notes that would show he is lying. They DONT follow their claims handbooks/policies, nor even follow state regulations. From the beginning they have been harassing me for emails, texts, phone records, tracking logs etc etc and pointing the finger at me even though I have more than proven where I was when it happened.
Congrats on winning nonetheless, it seems LM’s new policy is spend as much defending a case as they would paying valid claims. But if your in the lower income bracket – I’m sure they would rather deny – because it could save them a bit and pad their bonuses.
(If anyone knows or has statistics on income vs. denial rate of homeowners insurance that would be excellent)
Respectfully ~Anon~
*Shafted for over a year – by LM*
Oh, it’s not just the claims reps. The support staff is also extremely overworked. Our dimwit of a manager who has not been with the company very long, for some reason thinks she can run the unit and makes tons of changes without even knowing what the duties actually require and without the knowledge of what the duty actually is. She made a complete mess of the mail/supply room which was nearly perfect with everything in it’s place & a place for everything. She takes on more & more duties for the support staff to handle. I ask you, how are 8-10 people supposed to do the duties of not only our own office, but also the 3 other offices that were consolidated into ours? All these changes just to try and make a name for herself. I got news for you Princess…. keep pushing and the only name you will have is “mud”.
They don’t ever have enough employees to do the work. Employees crying and on stress leave and disability. How long can it go on?
Absolutely! They never had enough employees to handle to amount of phone calls. I was an auto claims supervisor for years and have now been out of work on Long Term Disability for about 2 years and also on Social Security. The proof is in the pudding.
My wife was recently injured seriously when she slipped fell in a hotel room. She suffered a concussion and laceration to her head that required 5 stiches to close and continues to suffer daily from “Post Concussion Syndrome”. This hotel happens to be insured against liability by Liberty Mutual. Of course Liberty Mutual has denied our liability claim by saying that the fall was not the fault of the hotel.
I would appreciate any advice, tips or any other information that I can use to successfully pursue this claim.
Thank You,
Zain Lalani
la_zain@hotmail.com
I have been with this company for a while. It was not until recently when a claim was filed that I realized how they suck. It was amazing to see how disappointed lots of people are. It is even more disappointing to know that they mistreat their employees.
If there are any present or former employees of Safeco/Liberty Mutual that would like to join a class action suit please contact Attorneys Madsen, Prestley & Parenteau @ 860-246-2466
The insurance adjuster for an accident claim in Ohio is using
the lawyer for the company to undermine the case so I can’t
present a fair claim in Court by using the legal term, Limine
to keep out Medical Experts from testifying in Court on my
behalf. They have denied me a fair claim even through they
have admitted liability. Is this a common practice in the
company and do the adjusters get a bonus for keeping the
payout to accident victims minimal at the innocent victims expense.
The company as a whole has almost 6% of it’s workforce out on some kind of disability. This is a staggering number and directly contributed to lean. Word is lots of managers are getting let go because of this.
As a former team manager who was demoted, word is that quite a few managers were shuffled around and some were let go because of the significant losses the company is suffering due to all the employee disability claims. It’s all lean or nothing. The savings from lean have been completely wiped out by the disability claims and payroll is bleeding money left and right paying out overtime to employees that were around before exempt was made mandatory. Really now? None of these six sigma managers couldn’t see this happening? Actually we told them this would happen. Stupidity really does run rampant in this company.
I am a a current employee on Long Term Disability for 2 years and now on Social Security due to all the stress. I was a supervisor that was part of the LEAN process. I have found that many people are gone from the company (some quit, some fired, I guess). I have heard that it has gotten even worse when I left (in 2009). I wouldn’t care how many contests they held – the stress wouldn’t be worth it. Management never got any prizes anyway.
Updated: December 30, 2010, 2:52 PM
HARTFORD, Conn. (AP) – Liberty Mutual has agreed to a multimillion-dollar settlement to resolve allegations that it rigged bids and paid kickbacks to agents who steered customers to its insurance products.
Boston-based Liberty Mutual agreed to pay $2 million to Connecticut and $5.5 million to New York as part of the settlement.
Connecticut Attorney General Richard Blumenthal announced its part of the settlement Thursday.
It stems from his 2006 lawsuit with former New York Attorney General Eliot Spitzer against the company, part of a nationwide investigation into bid-rigging in the insurance industry.
Liberty Mutual confirmed the settlements but said it did nothing wrong and was happy to put the matter to rest.
Click here to comment on this story or to see what other reade
Responsibility. Whats your policy?
What a joke! Liberty Mutual just settled a multi-million dollar bid rigging case against it for paying kickbacks to agents to steer business and to manipulate the free market as outlined above.
What kind of lesson does that show to the hardworking employees who slave every day to do the right thing.
They have stained the reputation of every employee who works here.
What happened to Attorneys General like Eliot Spitzer and Richard Blumenthal, we need more like them. The Obama Administration and his AG, Eric Holder have done nothing to help the American people even though there is plenty he could do. I have not given up but it is discouraging that our government is completely controlled by corporations. We must protest to affect change.
Get ready folks! Liberty will have thousands (if not hundreds of thousands) of claims due to this snowstorm that hit the East Coast. Since Liberty has had massive cutbacks due to “LEAN” do not expect to have your claim paid timely. Your liberty claims reps are forced to focus on reducing payouts. Delay, Deny, Defend. This is priority #1. You’ve been warned. If your insured with one of the smaller, safer, customer service friendly insurance companies and have to make a claim due to the snow storm, these smaller companies understand why they are in business and will gladly pay out on legitimate claims. If you are with liberty Mutual, expect your payout to be up to 80% less than other insurance companies.
Merry Christmas, all!
It would be easy to say it’s just Liberty Mutual or Travelers behaving dishonestly these days, but we’ve observed that denial of legitimate claims has become quite widespread throughout the insurance industry. Some really sleazoid claims handling that has come to our attention has involved extremely young, inexperienced adjustors who were way over their heads. Hmmm. Reminds us of all the “oldster” claim reps that have been forced to walk the plank in recent years because reaching one’s 50′s is deadly in Insuranceland. I guess there’s nobody left to teach the Children’s Crusade how to do the job? In our crystal ball, we see lots of Declaratory Judgment actions in Ed Kelly and Jay Fishman’s Christmas stockings; even worse than coal.
All the best, Norma Rae
I was involved in a rear end collision by a reckless Liberty Mutual insured driver. You would not have thought they were insured because there was no response. 6 months after our insurance company repaired the car they responded with 80% of the repair because “used” parts were not put in to the repair. Since Bernie Madoff is out of action how else can you get scammed? Sit at a stoplight and get rear ended by Liberty Mutual driver and let their claims people take you to the cleaners–6 months later.
I filed a claim 3 yrs ago on a homeowners policy from an injury my girlfriend experienced at my residence. After providing proof that she wasnt a resident they sued us for declaratory relief and not pay the claim and dropped representation for me. We are still waiting for a federal judge to interpret their own policy. What a joke they are. They wouldnt even show up in court, instead they hired a wanabe laywer to file the petition against us. God help us all, these insurance companies will go to any length to get out of a claim. OH BY THE WAY THIS IS LIBERTY MUTUAL!!
The Lean Process is not Lean at all. Overworked employees because they put a hiring freeze on claim representatives. Customers are not getting the service they deserve because the claims department is not adequately employed. All claim reps are over worked and over stressed. We are burnt out and tired. All this OT does not help. It just leads to being more overstressed, overtired, burnt out and does not help you manage your claims box.
If I could leave I would but I rather they let me go or I get hired elsewhere first. No matter how much anti-anxiety medicine I’m on it does nothing. Half the office is either on anti-anxiety or some sort of sleep medicine. The morale is the same.
The team managers have a smile on the face and are making it even harder to mask that smile. They put the pressure on you.
The reps who formerly handled primary first party or third party claims are so lost handling the other portion. The training crammed into us is not helping! Former first party reps are at a loss handling liability claims and the procedures put in place for handling third party claims.
Former Third Party reps are at a loss handling property damage claims and procedures.
There is more of a workload now than there was before which was pre lean.
Insureds not filing claims because their premiums might go up. Claimants calling in claims & upset because the policyholder did not call in the claim or the claims adjuster did not get a hold of the policyholder.
I don’t mind taking a First Notice of Claim but I need the time to actually investigate the claim and handle properly instead of having 2 minutes in between call to put a bunch of duplicate work in the file and investigate.
Don’t even get me started on being monitored how long we are in the bathroom. I’m sick to my stomach on how we have taken a turn for the worst. Yes so for the past 3 months we have our Customer Satisfaction Scores above 9.4% so we get incentives. OOOHH Jeans for 2 weeks and either a free breakfast or lunch.
We are just fed up with the way we are being treated. Some handle stress better than others & when you decide you want to take a step down from being a claim representative or up beware your Team Manager may not be supportive while others are yeah wish I can do that.
Over worked and stressed. The age discrimination is evident. I have been here over 20 years and now I get poor comments on my review on things I was told I did well for years? You take a vacation and come back to living hell. This company did not care about ergonomics. One employee put in a request for his carpel tunnel and they are ignoring him. They just try to do with less employees so the customers are not getting the service they deserve. I have no policies there. Sad they used to be an awsome company to work for.
Wait until you hit 50 then they will force you out with some type of BS.
I am currently employed with this company. This person is 100% on the money when explaining what is going on with Liberty Mutual. I am currently out on Disability due to all this stress from the job and it looks like I may not be able to come back. Liberty has got to change how they are and also hire more people! If they don’t, they will see people walking out the door! Of course they’d love that because they would not have to pay as much as people who have been there for years.
Ditto to all complaints above. A class action suit needs filed asap , we have to stop letting them ruin our lives. They everyone so scared to speak up…I did and they have harrassed and tortured me on a daily basis!!! Something needs done …we all have to stick together…get a union!!!
That is exactly what Travelers Insurance Company has been doing to their employees for several years now. At one given time nearly 40% of the emplyees were out on sick leave (stress, anxiety) due to work.
With the new work flows every claim representative must contact the other party that is at fault to see if they are going to file some sort of PD/BI claim. Are you kidding me? They are at fault and why bother calling them (this is harrassment).
In addition to this the company wants an “actual” telphone contact before stopping the clock. Nearly 85% plus of the insured/claimants do not want to talk to the claim representative as they are represented by an attorney. Should I add that the clock starts ticking at the time of the receipt of the new notice. For instance if you are leaving at 4:00PM and your queue pops up with a new notice you have to stay til the contact is made.
I had an insured complained of the constant harrassment of the company. If she/he had a question they will call the office. That did not change managements/corporate office way of thinking.. Keep calling.
Also, we have to call the claimants/providers/attorney every 30 days for a follow-up in their treatment.. Should I add the pre-certification request.. (respond in 72 hrs or it will be authorized).. Not true because the company wants a retrospective review to determine if such treatment was medically necessary..
In regards to the claimants/insured loss wages- company gives each and every person grief before releasing payment. Countless unnecessary paperwork, letters, e-mails… ridiculous
Lastly, the company has their favorite employees. Only those are given authority to review your file and make notations and what should or could have been done. Who are they to comment on a file review?
Management are the puppets of the corporate office.
Raise? What does that word means? That was became extinct many years ago.
Liberty Mutual is all about the “bottom line”. They work employees to death, particularly “exempt” employees to which they feel they owe no overtime pay. They got their ass handed to them in California when a gigantic lawsuit was filed. I hate working here. Crappy company led by a bunch of slave-drivers.
I couldn’t agree with you more! This is the worst company I ever worked for. They will get there due. Like I am doing you should file a complaint with the Dept of Labor in your state.
It is even worse if you were a former Safeco employee.
At Safeco you received overtime when made to work more than 40 hours. Liberty Mutual decided it was not going to pay overtime when they bought Safeco. How convienent for them!
A class action lawsuit should be filed for this conduct
I just passed the 10 ten year mark last August between Safeco and Liberty Mutual, mostly Safeco (thank God). The last two years with Liberty have been H-E-L-L. I have worked since I was 18 and this was the worst company I have EVER been employed by. In my entire career, I have never been called on the carpet by any supervisor or manager, quite the opposite. With Liberty, management digs and digs to scoop up any little flaw and turn it into something major in order to confront you with it. This will of course be on your OSPE. This is especially true for the older employees which I WAS. I was given a job warning right before Christmas for an email exchange between myself and a new inexperienced employee who was trying to tell me how to do my job. These youngsters they are hiring are quite good at that! On this day, I decided I had had enough! I said my peace and walked out. My physical, mental, and emotional health had been tortured enough! My relationships were all suffering because all I did was complain and be depressed and stressed. Twice I had to leave work to go to the emergency room for what felt like a heart attack. Of course Liberty decided it was not related to the job. They could have cared less if I died right there at my desk as long as my to-dos were caught up. I was on high blood pressure medication and anti-anxiety medications like most of the office was. The Liberty culture is very damaging to the human spirit. The job consumes your life. There is no appreciation. Your trust is questioned daily. You have to try and prove yourself over and over. I would like to know who or what is teaching this company how to manage employees. It is very scary. All my co-workers felt as I did. Our positions were constantly threatened if we did not perform to their unrealistic expectations. The constant change in software applications, procedures, etc. was insane. It seemed as if the upper management team could not decide how they wanted the work handled. They would try this, then that, this back to this. It was craziness. I worked in the legal department. It seemed management did not know how to run a legal office properly and they certainly were not doing the insureds any favors!!! Those poor insureds….not getting any real lawyering (not the attorneys’ fault – they are doing their best)…..I tell everyone not to buy Liberty insurance and certainly do not go to work for these assholes.
I know I’m responding to a comment made over a year ago and unfortunately nothing has change at Liberty.
I recently went through a similar situation – 2 hospital stays due to work related stress and I was put on medication. Fellow employees advised me that once a Supervisor wants you out is about a 6 month process and the stress will be bad and they were right. But I was also told don’t quit let them fire you so you can collect unemployment which I did and now that I’m out of there I no longer take stress medication, my memory is coming back and I feel like a human being again.
To sum up the TRUE “slogan” for Liberty Mutual is “ Greedy Crooks “
You should check and see if there is a lawsuit you can join. I hope you continue to expose Liberty Mutual.
http://www.bostonherald.com/business/general/view.bg?articleid=1232215
Interesting that Liberty has hurt many communities by eliminating positions and entire offices and now Liberty gets to get tax incentives to add jobs in Boston. This is not all bad, good for Boston but this has destroyed many lives due to loss of jobs in a time when there are no jobs to go to.
It should not suprise me… I called Liberty benefits today to confirm the balance due for this month's COBRA health insurance coverage since I had already overpaid on last months coverage and was told "we are still working on updating the system." I asked for an amount and they would not help me. I asked about paying an estimate instead of paying the statement which is overbilling by nearly $300 and they said that my payment would be returned if I pay an estimate. I understand the company is huge, but is it really that hard to get a correct balance? I am so glad I avoided taking auto or homeowners coverage at Liberty while I worked for them. I realize I am a former employee so everything Liberty does will be viewed as negative but it seems like they don't even try to do the right thing. When the media talks about the banks/insurance companies that were bailed out, I wonder what was so bad about that compared to what Liberty mutual has done and layed off thousands of employees and continue to take millions and millions of dollars for the upper management bonuses.
Liberty Mutual
Well lets just say the Management needs to be taken out and be subjected to the same treatment that they so enthusiastically inflict upon the injured workers . I personally would love to put a whole bunch of them into the same condition that im in do to their negligence's and see how they feel about their own methods of stealing from the people and the fraud they are guilty of . Then take all the Politicians they have payed off to get the laws passed so they can legally screw the public and take every thing they have ever owned away from them and take away the way they make a living and damage them in the same way they have damaged us and subject them to their own BS laws they have put in to law. Then take them out of office for ever and give them a proper send off we used to shoot traitors or hang them but due to all the bleeding hearts we can only put them in jail . What a pity so justice can not be truly served to these tretchorous traitors of the public trust . They tend to for get who their employers really are and if it continues they will be subject to the laws of the land and answer to the laws of man for their crimes against the trust of the public.
Does anyone know where I would make a complaint in NJ? I have a claim that is not being paid, can’t even get a call back on. I have made the complaint to the NJ insurance department already and still waiting for a response. Is there a department at Liberty Mutual I can call to get this resolved. I am having no luck with my claims rep or her supervisor and I can never seem to get anyone else higher. Thank you.
You can try the Presidential Hotline. 1-800-344-0197. Sometimes, on smaller issues this actually works. If you have a large claim you r screwed. Good Luck!
Call the Presidential Hotline. Call the claims department and make sure you are speaking to a claims adjuster and just ask them to look in their job aid & give you the Presidential Hotline.
PresidentialSVCTeam@libertymutual.com
Just to let you know when you call hte presidential hot line, all they do is take the complaint and send it back to the same lack luster manager that you have already been screwed by. Your better off with the DOI!
Thank you. A quick search and google and I this site came up. I am having problems with Allstate not covering a homeowners claim so I’m researching new insurance policies. You would think that as a customer for over 15 years I would get some service. no. they have no problem taking my money but when I needed them they were nowhere to be found. I’m paying out of pocket and moving on. I least I’m not going to give my money to Liberty especially if the employees are not happy with the company.
I went to GEICO. Former policyholder AND an employee since 07/23/1990. But been on Disability since 05/05/2009. HAD to switch to another company. I had NO idea how INEXPENSIVE other companies were!!! I think Liberty is overpriced.
Heather there are a lot of mid size insurance companies that don’t really advertise but provide great service and reasonable rates. If you post what State you live in, I’d be happy to give you a list of mid size companies. Also are you dealing with car insurance, home own insurance or both?