Mr. Liberty
This site is run by former Liberty Mutual employees who are now working with Occupy Boston. Originally the site was to gather up any current and former employees together for a tough class action lawsuit. We are getting a lot more requests from the public, legal firms and the media as to the shenanigans that go on behind closed doors of this insurance company. There is an immediate need for this information which Mr. Liberty can provide.
We also have a campaign to encourage the public to avoid insuring with this insurance company. This hits directly at Liberty Mutual’s bottom line which is ultimately the only way to influence this company and force them to change their unethical, illegal ways of doing business.
The ultimate purpose of this site is to gather as much information as possible regarding the current management style implemented within the last five years in order to push forward with our EEOC Complaint and Class Action Lawsuit. But the site is growing and has had other requests for help as well.
This site is now working in cooperation with Occupy Boston. Many of the former employees who were working this site are now active in Occupy Boston or similar occupations close to their homes. Helping maintain this site was great training for what is yet to come.
This site will still stand as a warning to those who may be considering insuring with Liberty Mutual. For as long as this company chooses to do business in an unethical and illegal manner this site will remain standing.
Raising Public Awareness
We are also here to raise public awareness regarding issues in the workplace, specifically issues such as bullying, harassment and age discrimination. Tactics that Liberty Mutual has employed to thin their ranks before massive layoffs, thereby denying employees access to unemployment benefits they so rightfully deserve.
Connecting Former Employees with Legal Firms
The site is also being used as a tool connecting former employees with legal firms all across the country who are bringing lawsuit after lawsuit against a company that refuses to be responsible. Most of the lawsuits involve the claims process but we may find a match with a firm that would like to use members of this site as credible witnesses to Liberty Mutual’s claims practices in exchange for legal help.
The Irresponsibility Project
Although the majority of the public understands that Liberty Mutual does not really practice what they preach when it comes to “Responsibility” there is still a segment of the public that needs to be educated. The Irresponsibility Campaign is a small part of a massive web community educating the public as to just how irresponsible this company really is. We hope you do your part in informing the public as well.
Liberty Mutual is known for not trying to help or pay old people that are supposed to get money , legally, from them
They owed me money and they delay and delay and I never get it
Boy, many of you are very negative about this fine company. I wonder what is the ratio of the number of malcontents to content people. That is ultimately the statistic that would convince an outsider to consider how good/bad a company’s work culture really is.
I am in insurance sales. I have seen people rejected for a not at fault accident that had a PIP claim. Policy was approved until the MVR was run, the rejected when a PIP claim came back. This is ridiculous in a mandatory PIP state, these people have no other choice if they are injured.
Wow, I site run by employees with an axe to grind. I’m so sure this pool of information will be level and unbiased…
No it’s not just former employees Jay it’s also policy payers that have been screwed by Liberty Mutual. They simply don’t pay and they act like everyone is a criminal but really they are the criminals.
Liberty Mutual has not heard the last of me. I will not give up exposing them and I will hurt them in their pocketbook.
Large employers need to stop insuring with these criminals. It hurts their bottom line.
I have been insured by Liberty since 1997 in N.J.. I received my auto renewal policy and it again, as every year, increased. I have a perfect driving record and no at-fault accident for over 10 years. I recently received quotes of $1100.00 LESS than Liberty’s new premium for the exact same auto coverage.
QUESTION: Does the sales representative’s Commission get added to my premiums? Isn’t this against the law especially since, if it is true, Liberty never advised me of this yearly “commission” fee. Please advise.
Did Liberty Mutual change the benefits to it’s retirees sometime this year? My mother in law – 92, advanced alzheimers, now add a broken hip – apparently got a notice that her health insurance no longer exists, even tho’ they’ve been paying the premiums! Obviously she retired a while back, and it wouldn’t surprise me if they had decided that old retirees should just die and go away….
I still work there.. i see how they increase policy premiums for no reason and they tell us to say that it is due to severity and frequency of claims in that specific area. They try to take advantage of high fraud areas like New Jersey and Florida so that they can blame it on “fraud” . They will try to do everything and anything to pay the least amount of money possible. They don’t want their customer service people to offer any discounts or way to reduce customer’s premiums without being asked about these first. They will only offer rerates to people if they’re calling to cancel — when the option has always been there! I can’t hanlde working for such a dishonest company. Managers sleep around with co-workers, and this happens at all levels, some of the people engaged in this type of behavior tend to get preferential treatment… and to think that they refer to “Responsibility” as their motto!
Has anyone heard of Liberty Mutual using inside information regarding FMLA and Disability claims they manage for other companies to base employment decisions with them? I had worked for an employeer that Liberty Mutual managed my disability leave claim for and now liberty mutual will not even consider me for customer service roles ven though I am more than qualified.
Does anyone know which companies have an ERISA LTD plan with Liberty Mutual? I think there needs to be an informational bliss in the form of the telling of the nightmare stories former employees that lost their disability at the hands of a ruthless company. Even those that are receiving benefits are harassed until too sick they give up. This must stop and LTD premiums are the Liberty Mutual cash cow. They collect and collect premiums but rarely pay out. It’s free money for them to give their CEO and other officers of the company. This could really hurt their business and I think it is a worthwhile effort.
Instead of losing a few policies they will lose thousands of premium payers in one cancelation. I think if you really want to get their attention this is it. They can’t lose too many of these companies without it having a significant impact on their revenue.
I hope you will start one for claimants that have been screwed by Liberty Mutual. Liberty Mutual sells long term disability policies to some of the largest employers in the US. And for good reason they make a ton of money off ERISA plans because the claimants have no right to sue under these policies. The claimants are harassed constantly having them filling out endless forms in the hopes that the claimant will be inconsistent in their answers. Then they will use that against you. They will review your medical records and pick statement out of your medical records that appear to be the most incriminating to the claimant. Then they force you to attend these insurance mandated examinations that are always unfavorable to the disabled.
Employers Liberty Mutual is screwing your best employees and if they deny a valid claim which is nearly all the time where does that get you? It takes another consumer out of the mix – someone that use to buy your products and leaves the former employee with a bad taste about the company they worked for even if it isn’t your fault. They tell their bad story to about 100 people and the employer that sponsored the policy is blamed. The billion dollar Liberty Mutual is not your customer, your employees are.
Employers, consider dropping your LTD benefits all together. If the employee purchases a private disability policy it is governed by the state and the disabled have the ability to sue if they violate the terms of the policy. With an ERISA plan the employees are screwed and Liberty Mutual is making money off the backs of your valuable employees. Do you get anything positive out of these LTD policies – no only bad publicity when a valid claim is denied and most that are denied are valid?
Ted Kelly rips off Liberty’s “mutual” policyholder owners.
http://articles.boston.com/2012-04-11/business/31318616_1_report-executive-liberty-mutual-john-cusolito
THIS STORY APPEARED IN
Boston Globe
The powerful and the powerless
Brian McGrory
March 16, 2012|By Brian McGrory
I would have paid pretty good money to see the look on Tom May’s face when the lights went out Tuesday evening as he was in the middle of dinner at the Four Seasons Hotel.
May, just to remind you, is the $8 million-a-year chief executive of NStar. NStar, of course, is the state-regulated power utility that has found itself on a run it would just as soon forget. If it’s not a late-summer tropical storm leaving tens of thousands of people without power for days, it’s an October blizzard. And if it’s not nature, then it’s this week’s unexplained explosion that left a swath of Boston in the dark. NStar’s saving grace: Its customers have no other choice.
What was Tom May doing at the Four Seasons Hotel Tuesday evening? Excellent question. He was there, people have been told, as a member of the board of directors of the insurance giant, Liberty Mutual, a position which, if it’s like virtually every other board, pays a handsome annual stipend. For example, May also collects $260,000 a year to serve on the board of Bank of America.
I was looking down the list of Liberty Mutual directors when I came across the name Gary Countryman, the much-respected former Liberty Mutual CEO and chairman. Gary Countryman. Wait a minute. This is a bizarre coincidence. Countryman also serves on the board at NStar. I wonder if Tom and Gary know they serve on each other’s boards. Wouldn’t that mean they’ve approved each other’s pay?
Liberty echoes the Animal House admonishment “You F’d up…you trusted us!
Car Policy for Less, but Only If You Call
Published: Saturday, 4 Feb 2012 | 3:31 PM ET
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By: Tara Siegel Bernard
The New York Times
After you hear the tale of Thomas Mitchell, a retiree living in Arizona, you may suddenly have the urge to run to the phone and call your auto insurer. And perhaps even your life insurer. And your cable company. And anyone else you may do business with.
Most consumers know that they aren’t going to get a courtesy call from their service providers telling them they qualify for a better deal. Yet they still fail to review their policies or contracts each year to make sure they’re getting the lowest rates possible.
Well, Mr. Mitchell’s accidental victory may provide just the needed incentive.
After retiring last summer from a long career as a programmer, Mr. Mitchell said he knew he should review his expenses and try to trim whatever he could. His hefty auto insurance premium on his two cars — he was paying $2,537 a year — seemed a juicy potential target. But he said he “dillydallied,” and didn’t call his insurer, Liberty Mutual, until a couple of weeks ago, shortly after AARP contacted him by mail and urged him to call The Hartford for a free quote on his auto insurance.
And it was a good thing he decided to call. The Hartford told him it could offer him a policy with the same coverage for just half — yes, half — the amount he was paying Liberty Mutual, or about $1,267. Mr. Mitchell said he contacted Liberty Mutual with the news. And wouldn’t you know, the representative told him that it had revised its underwriting standards and he would now qualify for a premium of $1,207.
“I was happy to get the reduction, but I was dismayed to learn that the burden was on me, which means there are probably thousands of policyholders who are eligible for this but don’t know what they don’t know,” said Mr. Mitchell, who was insuring a 2002 GMC Envoy and a 2010 Toyota Prius. “It is a rip-off.”
Even more maddening, he said, was the conversation that ensued with a Liberty Mutual branch manager. Mr. Mitchell said he was really irked that the company was perfectly content to let him continue paying twice as much as he needed to, so he asked the manager if the company would have bothered to notify him of the “underwriting changes” when his policy came up for renewal this summer. “To my astonishment, he admitted that the premium reduction would not have been brought to my attention unless I asked for it,” he said.
Mr. Mitchell, who lives in Cave Creek, Ariz., is exactly the kind of customer you would expect Liberty Mutual would want to keep. A loyal client since 1973, he said he had a clean driving record with no accidents — just a few broken glass claims — and a credit score above the enviable 800 mark. Besides the auto coverage, he also has a homeowner’s insurance policy with the company, which Mr. Mitchell thought might have worked in his favor to secure the reduced rate, since insurers often offer multipolicy discounts.
Liberty Mutual, not surprisingly, declined to get into specifics with me about Mr. Mitchell’s situation, and provided a corporate-stamped response: “We continually refine and enhance our ability to most accurately price each customer to reflect their individual risk, based on a large number of factors, and as a result a customer’s price could move up or down,” Glenn Greenberg, a spokesman for Liberty Mutual, said in an email. “We regularly advise our customers upon policy renewal that they may call us to discuss their coverage, benefits and discounts.”
And that drives home the point: The onus is always on you, the consumer, to do the heavy lifting, whether it’s a big-ticket item like auto insurance or smaller bills from your cellphone or cable provider. It’s a simple lesson, yes, but one that is worth remembering every so often. Of course, even when you make the time, finding the best deal isn’t necessarily easy.
J. Robert Hunter, the director of insurance for the Consumer Federation of America, an advocacy group, said he wasn’t at all surprised by Mr. Mitchell’s experience. After all, insurers aren’t required to let you know when you’re eligible for a lower rate, and it’s hard to know if you’re getting the best deal (though in California, insurers must sell their lowest-priced policies to those deemed “good drivers,” or people who have been driving for at least three years and have no more than one violation and no serious accidents on their record).
“If you shop for insurance, it is quite easy for one insurer to be half the price of another, even in the same group of insurers,” Mr. Hunter said. “It is very difficult to be sure you have the best price,” he added, noting that many agents are working on commission, where higher premiums might translate into more income for the agent.
(Sales people typically collect roughly 8.5 percent of the premium, on average, said Robert Hartwig, president and economist at the Insurance Information Institute, an industry group, but noted that direct-to-consumer companies often spend much more on advertising).
With the exception of New Hampshire, all states require drivers to have liability insurance, which pays for the other driver’s medical expenses, car repairs and other costs when the policyholder is at fault. (Florida requires drivers to buy insurance that covers the occupants in the driver’s car.) The minimum amount you must carry is set by state law, but many drivers choose to buy more coverage to protect their assets in the event of a costly accident.
Still, about 14 percent of drivers went uninsured in 2009, according to the Insurance Research Council, at least in part because some drivers cannot afford the insurance (Mississippi takes the prize for the state with the highest estimated rate of uninsured drivers at 28 percent, while Massachusetts and Maine have rates of only 4.5 percent. New York doesn’t trail too far behind, at 5 percent).
Your insurance rate is probably based on a variety of factors, including your age, gender, marital status, education level, occupation, the type of car you’re driving, where you live and your credit score. Of course, your driving record is also taken into account, as well as how much you drive. (A recent report, co-written by Mr. Hunter of the consumer group, contends that these pricing methods often work against lower-income drivers.)
As you shop around for a new (or better) quote, you should also consider factors beyond price alone, including the insurer’s rating and responsiveness to claims, Mr. Hartwig said. You can typically find that information, including price comparisons and local consumer guides, on your state’s insurance commissioner’s Web site. New York State’s Department of Financial Services, for instance, ranks 40 insurance companies by the number of complaints upheld against them as a percentage of their premium.
The average premium paid per car — for liability, comprehensive, and collision coverage — was about $901 in 2009 (the latest figure available), according to the National Association of Insurance Commissioners. But judging from Mr. Mitchell’s situation, you’re likely to encounter a wide range of prices.
Mr. Hunter said that consumers should specifically ask the insurer — not the agent — whether they were being offered the lowest rate they qualify for, or they should ask the agent to ask the insurer. And he suggested asking for it in writing.
“I was working on the assumption that they were all the same,” Mr. Mitchell said.
This story originally appeared in The New York Times
Liberty Mutual’s 2011 net income down 78%
March 6, 2012 – 11:04am
BOSTON—Liberty Mutual Holding Co. Inc.’s net income for 2011 dropped to $365 million, a 78.2% decrease from a year earlier, the Boston-based mutual insurer reported Tuesday.
Total revenues for the year reached $34.67 billion, a 4.5% increase from a year earlier. Net written premium grew 6.8% to $31.18 billion. But the combined ratio, including the impact of catastrophes and net incurred losses attributable to catastrophes, deteriorated 6.2 points to 107.4%.
For the fourth quarter of 2011, net income fell 50.7% to $284 million. Total revenues for the period increased 4.8% to $8.96 billion. Net written premium increased 10.6% over that of the same period a year earlier to $7.72 billion. The combined ratio deteriorated 5 points to 104.2%.
“Operating results in the fourth quarter were adversely affected by the Thailand floods, bringing our pretax catastrophe losses for the year to a historically high level of $2.7 billion,” said David H. Long, Liberty Mutual’s president and CEO, in a statement announcing the results.
He added that several other developments, including the opening of a fourth branch in China and “a favorable trajectory of pricing trends across multiple lines of business,” taken together, “position us well for a more prosperous 2012.”
Based on diminished profit levels,it looks like a good thing that a bunch of bad investors never got a chance to buy into the failed Liberty IPO.Good thing it never happened.Thanks to CNBC’S Jim Cramer for identifying”Ted’s Folly”IPO as the stink bomb it was.
Reflections of a past senior leader when asked how some of the twisted decisions get made.
Often things become much clearer in hindsight and what I would say is that Liberty does an exceptional job of subtle signaling as a means of keeping up appearances and making it look as if someone further down the chain makes the decisions in the normal course of business. I suspect that allows a relatively tight-knit highly incentivized cabal to decide how to influence the direction of the ship. Smart managers watch for tone of voice or facial reactions from their boss as they share their plans, like a game of “hot or cold”. Those that are very good at surrendering their character and quickly reacting to and effectively executing on the signals demonstrate their readiness to move up the latter. Those who challenge their bosses, even in the most professional manner, require additional “coaching” and take hits on their performance ratings.
Though it creates a very unhealthy environment, it is hard to argue with the financial success it has achieved. The evil geniuses at the top who put out the vibes are true geniuses and it works brilliantly and presents the appearance that decisions emerge from team work and consensus building among their empowered managers. Best of all, no one can be pointed to as the person who called the shot and that helps in instances where litigation ensues because no one has to take responsibility. Meanwhile the company spends hundreds of millions advertising as the company of “responsibility” and sends out all kinds of internal notices to its employees about doing the “right thing”. Dummies like me mistakenly interpret that phrase in the traditional sense when its new meaning is; Do what brings the greatest financial return but carefully cover our tracks.
When I started at LM in the 70′s the company did “do the right thing” — people in management were career LM employees who cared about the company; however, it seems that in the late 90′s until now management is in to make a buck and then gone. I worked for LM for over 30 years prior to being laid off. I hope I have no problems when it comes time to draw my pension.
Started working at this company when I was 17. Made it to my 25th year then..bam! laid off…lol
With me were also 30 people terminated/laid off. The 30 people had been there ‘too long’ had ‘too many benefits’ and the rest were employees who had “carpal tunnel syndrome.” The REASON these people had “carpal tunnel” was from years of repetitive movement keying in information day in, day out.
Became very depressed…and had no confidence to look for a job.
When I worked at L.M. in the 70s/80s they cared about their employees… eventually it was all about the numbers..
In Meacham v. Knoll’s Atomic Power Laboratory (2008), the Supreme Court shifted the burden of proof to the company in age discrimination suits. The court determined that if older workers as a group are disproportionately affected by a particular job action such as downsizing, and litigate an ADEA claim against the company, the employer bears the burden of proof of showing that there is a “reasonable explanation” other than age for their decision.
This was an extremely significant ruling which will affect the rights of older workers everywhere in the United States. By shifting the burden of proof to employers in cases where older workers “coincidentally” get terminated en masse, this ruling has the effect of creating prima facie protections for seniority employees who are about to realize the largest contributions to their retirement plans, typically cost more for health insurance and disability than younger employees, etc. Companies who desire to downsize older employees just to save money on pension contributions, health care and disability plans, etc. now face a significant barrier in so doing, so this ruling places yet another limitation on the fast-shrinking right of employers to terminate non-contract employees at will.
And the BEAT goes on … just want to register another sucker who initially believed LM was a great company but succumbed to the tyrannical practices they employ to reach bottom line profitability – out of fear of reprisal by LM, I am not making any public criticism of the company. As previous comments allude, LM is a poor representation of “responsibility”. It may be a great representation of today’s corporate giants and how they operate with little regard for how their actions negatively affect the personal lives of people with whom they interact. OWS and the Tea Party are just two ways U.S. citizens are reacting – “corporate greed” is a disease infecting so many corporations and their commitment to growth and profitability at all costs is corrupting and economic system. Govt policies and enforcement of real regulations which benefit all U.S. citizens are needed to put the U.S. back on the path to prosperity. In the meantime – and it may take a while – people speaking out against injustice is what is needed. MLK day is approaching and his words, “An injustice to anyone, anytime, anywhere is an injustice to all of us, at all times, in all places” (paraphrased).
The Ten Worst Insurance Companies
To identify the worst insurance companies for consumers, researchers at the American Association for Justice (AAJ) undertook 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. Our final list includes companies across a range of different insurance fields, including homeowners and auto insurers, health insurers, life insurers, and disability insurers.
Lynn Lionhood • Liberty Mutual hired consulting giant McKinsey & Co. and adopted deny, delay, and defend tactics. The company has also gone one further than simple claims-handling abuses by indulging in what regulators allege is systematic bid-rigging.
Like Allstate and State Farm before it, Liberty Mutual hired consulting giant McKinsey & Co. to boost its bottom line. The McKinsey strategy relies on lowering the amounts paid in claims, no matter whether the claims were valid or not. By all accounts, Liberty Mutual has not become as notorious as its rivals for the deny, delay, and defend tactics that McKinsey encouraged. However, that has not stopped the company from leading the way in complaint rankings and stories of short-changed victims.
In fact, Liberty Mutual is facing a glut of litigation from its own vendors who say the company’s cost-cutting has resulted in poor claims processing and a spike in lawsuits.
Like several other big property casualty insurers, Liberty Mutual has also begun abandoning policyholders across the country. The company has pulled out of many states—not only hurricane susceptible states such as Florida and Louisiana, but also northern states such as Connecticut, Rhode Island, Maryland, Massachusetts, and much of New York. A 2007 New York Times article highlighted Liberty Mutual policyholders James and Ann Gray of Long Island. The Grays were “nonrenewed” by Liberty Mutual despite the fact that they lived 12 miles from the coast and had “been touched by rampaging waters only once, when the upstairs bathroom overflowed.” In fact, Liberty Mutual and its big name competitors have left more than 3 million homeowners stranded over the last few years.
New York regulators chastised Liberty Mutual for tying nonrenewals to whether a policyholder had an auto policy or other coverage, against state law.
Liberty Mutual has also gone where even its big property casualty rivals Allstate and State Farm have feared to tread by trying its hand at massive corporate fraud. While the likes of AIG, Zurich, and ACE settled charges that they colluded with broker Marsh & McLennan in a huge bidrigging fraud, Liberty Mutual remains the only insurance company that refuses to concede guilt. The fraud centered around fake bids that companies submitted to Marsh in order to garner artificially inflated rates. Liberty Mutual claims its business practices were lawful and that regulators’ settlement demands are “excessive.”
Is it policy for Liberty Mutual to stall, deny, or delay claims? A friend had damage done adjacent to her property by a vehicle insured by Liberty Mutual. She promptly notified them. with photos, statements and other documentation and asked for a prompt, simple fix to avoid futher damage….and potential catastrophic damage to her property. Being a responsible person, who promptly fixes any damage she is liable for….she assumed Liberty Mutual would take care of it. They blew her off repeatedly.
As predicted, massive damage to her home and property occurred….absolutely due to the unfixed damage. She had to hire a lawyer and is in litigation with LM. LM claims the damage is her fault, that she should have had her insurance company fix the neighbor’s damage. She is a single mom, struggling to make a living in these times, and is faced with about $100,000 in damages and legal fees. She is one person trying to take on a giant corporation with endless resources. Can anyone help with documentation on LM’s policy for blowing off claims? Thank you.
So this is how liberty dies. With thunderous applause.
— George Lucas, Senator Amidala in Star Wars: Episode III: Revenge of the Sith (2005)
I worked for Liberty Mutual from 1971 until 1992—In the recession of 1992 they destroyed my job because I was a person who had been with the company for a long time–a support staff emloyee and at the time I was 42 years old–most of the young people they kept. And they made me wait 20 years for the pension I was and still am entitled to get — I was there for more than 10 years so I was fully vested in their pension plan.
Last month, September of 2011 I called their benefits office and asked for the paperwork to process my collection of the pension–they said that was fine with them and I filled out the paperwork and faxed it to them the day after I got it and called asking them if they received it–they had and told me both verbally and in writing (they sent me a letter stating they would send me my first check in early October–and told me on the phone the same thing. When they mailed it out to me it was already September 6th, the day after labor day. I got their form and faxed it back to them on September 12 because I did not receive it until then–they sent it to me slow mail.
Well as it turned out October came and I DID NOT GET THE FIRST PENSION CHECK THEY PROMISED ME AND STILL DO NOT HAVE IT–
I called them to ask why and they pulled a nasty one on me. They told me I was late in sending back the paper work (September 7th was the latest they could receive it in time for me to get the October check) I told them I did not receive their slow mail letter until September 12th and I faxed it right back to them the same day so they would get it ASAP===I told them they should have sent it to me earlier instead of maliciously sending it to me SLOW MAIL DURING A WEEK WHERE LABOR DAY HOLIDAY WOULD STALL IT.
THEY TOLD ME THAT IT WAS STILL MY FAULT FOR NOT GETTING IT TO THEM IN TIME (SEPTEMBER 7TH) AND THAT I WOULD JUST HAVE TO PUT UP WITH THER REFUSAL TO SEND IT TO ME AND THEY SAID THAT I WOULD BE FORCED INTO WAITING AT LEAST UNTIL NOVEMBER TO GET ANYTHING FROM THEM!!!!!
THEN THEY TOLD ME THAT THEY WOULD APOLOGIZE FOR MY NOT GETTING MY CHECK!!!!!!!!!!!!!!!
I WOULD NOT ACCEPT THEIR SARCASTIC APOLOGY–WHAT THEY HAVE DONE TO ME IS A HORRIBLE MALICIOUS THING TO DO TO ME____I AM ENTITLED TO THE PENSION AND I AM NOT ASKING THAT BASTARD COMPANY WHICH I REGRET HAVING WORKED FOR —FOR ANYTHING I AM NOT ENTITLED TO
I SENT THEM A LETTER RETURN RECEIPT REQUESTED TELLING THEM TO PUT IN WRITING THAT THEY WOULD SEND ME THE FIRST CHECK IN NOVEMBER
THEY SENT ME BACK THE RECEIPT AND REFUSED TO SEND ME A LETTER PUTTING IT IN WRITING THAT THEY WOULD SEND ME MY PENSION
THEY ARE TRYING THEIR BEST TO CHEAT ME OUT OF IT
COME NOVEMBER I WILL CALL THEM AGAIN–AND THEY WILL HAVE ANOTHER SPITEFUL MALICIOUS EXCUSE FOR REFUSING TO SEND ME MY PENSION CHECKS
COME DECEMBER I WILL CALL THEM AGAIN–AND THEY WILL HAVE ANOTHER SPITEFUL MALICIOUS EXCUSE FOR REFUSING TO SEND ME MY PENSION CHECKS
AND THEY WILL DO THE SAME THING EVERY MONTH
CAN SOMEBODY GIVE ME THE NAME OF A GOOD LAWYER WHO HANDLES PENSIONS
THOSE BASTARDS SHOULD NEVER BE ALLOWED TO GET AWAY WITH CHEATING PEOPLE OUT OF THEIR ENTITLED PENSIONS.
JUST BECAUSE THEY ARE A BIG CORPORATION THEY SHOULD NOT BE ALLOWED TO GET AWAY WITH CHEATING ANYBODY, ESPECIALLY CLAIMANTS WHO ARE CLAIMING THE PENSIONS THEY EARNED
This sounds eerily familiar, even though I don’t work for LM, they sold me my homeowner’s policy last year. Since then, I have had 2 floods, including going through Hurricane Irene on Aug. 28, 2011, and an earlier flood on May 27, 2011. I didn’t expect any claim from LM, since they wouldn’t sell me any flood insurance (I might actually need it!), but what I also didn’t expect was the inhumanity that was shown after when my mail was going everywhere but to me, and I was late paying my premium. They cancelled my policy, so I called them, paid my premium and they reinstated me–all this was about Nov. 11 of this year, 2 wks ago. At that time, I spoke to a nice young woman near Rutland VT, I am in Montpelier, VT–she mentioned that my renewal was coming up on Nov. 21, and we discussed electronic debit payments to avoid me getting cancelled again. What she didn’t mention was that I was supposed to do repairs such as fix my back porch and paint my house(!) before I would actually get renewed. On nov. 21, I called LM, freaking out because I hadn’t heard anything from them about getting my paperwork for electronic debit or renewal, and, after extracting another 21 dollars from me, I was informed that if the work I was supposed to have done hadn’t been done, I would be cancelled, no ifs, ands, or buts.I had gotten one vague letter about repairs, and was supposedly getting another with more specifics, which I didn’t receive, and on Nov. 21 was told that LM had sent a letter on Sept. 30, which I also didn’t receive stating what was being told to me on the phone. Therefore, it was my fault that I was being cancelled because I didn’t meet the requirements of my policy. I tried to point out that I had made a priority call to shovel out the 8 inches of mud from my cellar to avoid breathing black mold all winter, and November might not be the month to paint my house in VT. I tried negotiating with them by saying I could send them verification by my work people that the work they wanted would get done next spring. No–they cancelled me cold, left me hanging with my home equity loan bank asking me if I had any homeowner’s insurance, because that breaks my contract with them. I could lose my home and my livlihood, and LM just doesn’t care whether I’ve been through two disasters or not–not even enough to give me an extra month to find another homeowner’s policy–pardon me, but they really suck, and they are breaking VT law, which says 45 days of written notice that can be proven to have been received must be given to cancel a policy, or else the policy can’t be cancelled. I guess liberty mutual is above the law… what do I do now?
Liberty Mutual Group Settles Suit Accusing Lawyer of Extortion
By Chris Dolmetsch
Sept. 16 (Bloomberg) — Liberty Mutual Insurance Co. settled a lawsuit the insurer filed against one of its former outside lawyers claiming he tried to extort new legal work with a threat to expose misconduct by an unidentified company executive.
U.S. District Judge Richard J. Sullivan in Manhattan ordered the case dismissed after receiving a letter on Sept. 8 from Boston-based Liberty Mutual informing the court that they had reached an agreement with Michael J. Devereaux and his law firm Devereaux & Associates, according to a court filing.
Liberty Mutual sued Devereaux in January, saying the New York lawyer threatened to file a suit claiming the executive had engaged in “personal misconduct” and demanded a 5 percent kickback of all fees the company paid the law firm.
“We are pleased that the litigation has been resolved and that we have concluded our relationship with the Devereaux firm,” Liberty Mutual said in a statement.
Devereaux didn’t immediately return a message seeking comment on the settlement.
The case is Liberty Mutual Insurance Co. vs. Michael J. Devereaux & Associates PC, 11-cv-359, U.S. District Court, Southern District of New York (Manhattan).
–Editors: Mary Romano, Charles Carter
To contact the reporter on this story: Chris Dolmetsch in New York at cdolmetsch@bloomberg.net.
To contact the editor responsible for this story: Michael Hytha at mhytha@bloomberg.net
The article below came from the Website of BME-Gateway an IME company.
Reading in between the lines Mr Neale brags about paying injured parties 5% less than the industry, which is millions to a company the size of Liberty. And then he insults those claimants suggesting that they have psycho-social disorders.
Can you imagine that anyone could be so brazen as to allow an IME company to use mistreatment of WC claimants as advertisement?
Workers Compensation Insurer Readers Choice
Posted On: Nov. 21, 2010 6:00 AM CST
Mr. Neale
LIBERTY MUTUAL GROUP INC.www.libertymutual.com
Liberty Mutual Group Inc.’s ability to help customers control their risk costs is likely why Business Insurance readers appreciate the insurer’s workers compensation offerings, said George Neale, Liberty’s executive vp and general claims manager in Boston.
From helping companies with safety programs that minimize workplace accidents to managing claims to ensure superior medical outcomes, Boston-based Liberty Mutual has programs that wow brokers and buyers, he said.
The company’s metrics show its medical expenses to treat worker injuries run about 5% less than the industry average while it also closes claims faster than competitors.
Liberty Mutual’s products and services made it No. 1 among workers comp insurers in the Business Insurance 2010 Readers Choice Awards.
Its innovations include a Medical Loss Data Mart that utilizes more than 2.5 million claims and 32 million medical bills and other data to help policyholders identify cost drivers and meet their goals, including managing workers comp partners, assessing regulatory changes and meeting benchmarks.
One of its challenges is helping employers overcome injured employee “psycho-social” issues driven by the “stalled” economy that can challenge return-to-work outcomes, Mr. Neale said.
Because of the economy, employers may want employees that are able to produce at maximum capacity.
Mr. Neale said.
As I have read through the comments here I have not been shocked. I guess that makes me sad. I have never worked for Liberty. My ex does. During our marriage we moved five times (all out of state over the course of ten years) and now he has moved for them yet again. Always in hopes of moving up. At first he seemed to, but with each move, only his pay, not his position really, increased. And then it hit the ceiling. I worry about him. He isn’t ready to leave on his own, but I do not see the future he still dreams of. He hasn’t yet reached the magical (but not old enough to raise discrimination charges) age where he will be let go, but if he keeps waiting, it will happen, just as I have seen it happen around him. Then finding a new job will become much more difficult.
I also must say that the world has changed from when my grandfather went into the business world. Now it is a liability to stay with only one company, to have no other experience outside one arena of the cooperate world. In his day, that was rewarded. It is a change that employees may just need to face. First, never stop training. Second, get experience at more than one company. Don’t be the company man, unless you own the company.
You got that right sister. Alive and enjoying Fla, away from LMG .All the big corps now do not care anymore. Just try to be happy and enjoy the simple things.Peace and love.
Liberty Mutual Group on July 28 reported a second-quarter net loss of $170 million, compared to net income of $220 million in the second quarter of 2010.
Pretax operating loss for the quarter was $256 million, compared to $188 million of pretax operating income in the same quarter of 2010.
Revenues grew to $8.56 billion from $8.07 billion year over year. Net written premiums were $7.72 billion, an increase of $440 million from the year-ago quarter.
Combined ratio before catastrophes and net incurred losses attributable to prior years was 94.5%, down 2.6 points from the year-ago quarter. Including the impact of catastrophes and net incurred losses attributable to prior years, the combined ratio rose 7.7 points to 112.4%.
Policyholders equity was $17.77 billion as of June 30, an increase of $791 million from year-end 2010.
Liberty Mutual Holding Co. Inc. is the parent company of the Liberty Mutual Group of entities.
You’re upset because you were denied unemployment benefits. Well, guess what. It is and has been at the hands of Liberty Mutual the administrater for Supervalu’s Worker’s Compensation fund; That I’ve struggled over the past 18, YES, 18 years. Their latest tactic to avoid paying me is to tell me I should now work from home doing telemarketing. At least they’re not invading your home and seeking to disrupt your family and life farther than they already have. I know fully well how underhanded Liberty is and wish you all the best of luck. The assignations made against me in court have been outlandish and every attempt made by them to stop the payments has been denied. You stand as much chance of getting any justice as have I…. VERY LITTLE. I notice your post do not mention a severence package. The only thing Liberty Mutual is interested in is turning a profit. Their slogan should be… ” Responsibility, We do the right thing when a court orders us to.” Again the malfeasance perpetrated by Liberty and their Legal Department one day will be exposed. And with any luck the entire company will get shut down. You all chose to work there. You all knew the way they mishandled claims or denied them unjustly. As employees of such an entity are most certainly guilty of rendering helpless the people you were supposed to insure. By finding loopholes to avoid making a claimant whole or simply disregarding the claims all together forcing the hiring of Attorneys to seek justice in an unjust country. Simply put.. If you were a truly honest adjuster and really cared about the people you were to serve and were treated unfairly by Liberty: Then you have my sympathy. Otherwise, had you ever engaged in corrupt and deceptive practices as is the norm with LIBERTY MUTUAL: I can only hope you all REAP WHAT YOU HAVE SOWN!
I went to a graduation party at a former colleague and good friend who still works in sales at Liberty.In attendance were some other current employees.One is a claims team manager.He told me that morale is so low in his unit that there is nothing he can do to improve it.He said that management treats claims people as if they work on a assembly line.He said customer service is not a consideration, just numbers.My friend in sales said that his office no longer has a receptionist.When policyholders come in,they ring a bell to get someone to help, like in the post office.My friend from claims briefly described “Lean Six Sigma”.He used words like bizarre and “wackadoodle” to describe it.He hopes that Liberty may some day “see the light” and get off some of the current practices.My guess is he will be fired before that happens.He is approaching 40.
Interviewed with 7 different people, 2 offices over a 3 week period. Not even a call back or email to tell me I didnt get the job. Cancelled my policies with LM adn moved to GEICO. LM should not be treating people this way and I am glad I will not be going to work with them.
I had auto insurance with them for 17 years, and homeowners insurance with them for 10 years, and had an accident in August 2006 in which I was struck from the rear by an uninsured and unlicensed driver and seriously injured. I cancelled both policies on August 1, 2007, and my claim is STILL pending.
They will not pay unless legal force used. waiting 10+ yrs
I have to disagree about all management not working with the employees to improve performance. Currently, I am out on Social Security Disability due to the stress of the job (I am not in agreement with the constant limitations on helping customers). Anyway, when I left on Disability, I was a supervisor (job dissolved while I was out, as were the other supervisors). I was for years. I did not always agree with what the Home Office agreed with but I tried to keep my troubled employees. I did have meetings with them (not one hour ones though) and advised what needed improving. I also told them of their positive qualities and how much I appreciated them. But I had to be honest with what needed improvement (attitude, talking too long on the phone and not being able to pick up calls, making personal calls, etc.) I almost had to have someone fired but I fought for him. And he stayed. So, I just don’t want all management to be lumped together. I, for one, have been given poor performance reviews since my Dad was a VP. I had to work 3x as hard when he was VP and I did not stop that after he had a heart attack at work. But, ever since, I have been given poor performance reviews (except for one or 2). I was not invited into management meetings that I should have known about (and that employees noticed and asked me about). I may agree with much of your complaint, because I have dealt with, and am dealing with, it. But they take their orders from above. And they don’t want to lose THEIR jobs. Unfortunately, I was not a good enough supervisor because I was too close to my employees. I am too caring to be management. But not ALL management is bad at Liberty Mutual. But, things HAVE gotten worse there!
I am presently employee at a LM claims office and agree with most of what I have seen on this sight. I see the hiring practices first hand and have been subject to the beast’s wrath. Bring in the young and move out the old. Moreover the people like me who are moved out are better managers and people than the new cheap people they replace us with, without question. Not one manager in my office has shown they care about the employees except when it advances their position. They don’t work with employees to improve performance but rather manage them out the door (because it’s easier than helping someone improve). We all know when someone’s on the chopping block and you never see the manger spend time with them to get them up to speed where they are lacking but rather you see them in their one hour meeting in a conference room and then 90 days later out the door. When the opportunity presents itself (improved economy) the majority of my office will jump ship as will I.
Liberty Mutual CEO Edmund ‘Ted’ Kelly Retires; Long Takes The Reins
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June 9, 2011 | Subscribe NowBy Chad Hemenway, PropertyCasualty360.com
Kelly started with Liberty Mutual in 1992 as president and chief operating officer before being named CEO in 1998 and chairman in April 2000.
NU Online News Service, June 9, 2:09 p.m. EST
Edmund “Ted” Kelly, chief executive officer of Liberty Mutual Group since 1998, is retiring on June 28.
Kelly will continue to keep his role as chairman.
David H. Long, elected president of Liberty Mutual Group last year, will take over as the new CEO, announces the company.
Kelly started with Liberty Mutual in 1992 as president and chief operating officer before being named CEO in 1998 and chairman in April 2000.
Kelly was born in Ireland and graduated from Queen’s University in Belfast before getting his doctorate in mathematics from the Massachusetts Institute of Technology.
Known for his accent and blunt comments about the industry, Kelly was sought after to speak at industry events for an honest assessment of a variety of insurance issues and the executive was not shy about speaking his mind during conference calls.
For example, Liberty Mutual announced a plan to enter the equity markets in 2010 but backed off because, “insurance stocks stink,” says Kelly early this year.
At a conference late in 2010 presented by National Underwriter, Kelly calls the way commercial insurance is written “patent nonsense,” and that it is “run irrationally.” He adds that companies with operations only in North America “will be totally irrelevant” eventually.
In a past interview with NU, Kelly warns the industry is “commoditizing itself.”
“If your message is that the only reason to do business with you is the price, it is ultimately self-defeating,” he says.
Shortly after the bailout of competitor American International Group Inc. in 2008, Kelly said AIG was doing “some very stupid things” in order to keep market share.
Kelly is active in the industry. He is a member of the Board of Governors of the Property Casualty Insurers Association of America and a member of the boards of The Bank of New York Mellon Corp., EMC Corp., American Ireland Fund and Insurance Information Institute.
He is also a fellow of the Society of Actuaries and a member of the American Academy of Actuaries.
Long began his career with Liberty Mutual in 1985 as a financial analyst. He then served as division finance manager in corporate finance with responsibilities in commercial, personal, and life business in the group’s New England division.
Prior to becoming president of Liberty Mutual Group, Long was president of Liberty International and president of Liberty Mutual commercial markets. He is a founding member of Liberty Mutual Agency Corp., a unit created to broaden the insurer’s distribution channels to include independent agents.
And by the way. The above mentioned Annual Funding Notice For The Liberty Mutual Retirement Benefit Plan indicates that if Liberty can’t meet its obligations, the “PBGC” will step into its shoes. But that entity only guarantees up to $4,500 a month, or $54,000 a year, perhaps not an issue for most.
However, what is a huge problem for all is the financial condition of the “PBGC” as indicated by its own most recent financial report. This has a Ponzi scheme like feel to it.
Whether a former or current employee, it would be foolish to feel any more confident about Liberty’s pension plan than Social Security or Medicare.
This is a real house of cards!
http://www.pbgc.gov/Documents/2010_annual_report.pdf#page=48
Financial Report
Our financial statements report on the obligations we have assumed to date for broken pension
promises. During FY 2010, we paid about $5.6 billion in benefits owed to retirees and their surviving
beneficiaries, because their pension plans could not.
As a result of many factors, our obligations (―liabilities‖) exceed the assets currently available to pay
them. As of September 30, 2010, we had single-employer assets totaling $77.8 billion, an increase of $10.2
billion from the close of the previous fiscal year. Our single-employer liabilities (measured in present value
though they will be paid over decades) totaled $99.4 billion; this compares to total liabilities of $88.7 billion in
2009. The net of these positions is a single-employer deficit of $21.6 billion, an increase of $500 million from
the prior year. Likewise, the multiemployer insurance program experienced a $600 million decline, bringing
its FY 2010 deficit to $1.4 billion, with $1.6 billion in assets to cover about $3 billion in liabilities.
In part, this financial position is the result of inadequate plan funding and misfortunes that have befallen
plan sponsors. In part, it is a result of the fact that the premiums PBGC charges are insufficient to pay for all
the benefits that PBGC insures, and other factors.
Most former and current Liberty employees paid little attention to the recent Annual Funding Notice For The Liberty Mutual Retirement Benefit Plan. It’s bottom-line message is that for plan year 2010 the plan is underfunded by 8%, the equivalent of about $300 million dollars. At the same time last year it was overfunded by over 10%, likely related to the 2009 announcement of the program being tamped down.
So it went from being up over $300 million in 2009 to down about $300 million in 2010, an overall decrease of around $600 million. Where did the money go? For the year 2010 Liberty reported an increase in profits of $576 million over 2009.
Liberty had every right to reduce what had been a generous pension plan in spite of Ted Kelly’s frequent proclamations that he would be its staunch defender. But underfunding the plan and reporting the savings as profit, though probably legal (thanks in no part by Liberty’s well-funded political liaisons) is clearly anything but “responsible” and speaks to the blatant hypocrisy practiced by a company that “does everything legally, but nothing ethically”.
This may present the opening we’ve sought to a class action aimed at forcing Liberty to fully fund the pension before counting its profits and funneling them to its executives in the form of bonuses.
Does anyone doubt that executive bonuses reached $600 million in 2010?
According to these numbers, Liberty Mutual lost $24 million last year. No net profit at all. Those are closer to the numbers we hear being thrown around. Explains the lack of an IPO. We know Liberty Mutual lost money, we even know we’ve been responsible for at least 10% of those losses. Back in the 80′s it was popular to buy up companies with pensions and then raid them. Looks like Liberty will be raiding their own employees pensions to stave off bankruptcy. I think they should just start operating responsibly and then people will start buying their policies again instead of covering their losses with assets promised to employees. Assets employees will be relying on to fund their retirement. It’s such a shame.
The Invisible Hand is on Our Throats
Adam Smith used the metaphor of “the invisible hand” to represent the common good emerging from a confluence of selfish actions. He had his own view of the common good being that efficient markets are a rising tide that lifts all boats, and in that sense, a fitting analogy. But Adam Smith did not live in the era of a global economy, massive multi-national corporations, and highly sophisticated/high speed financial technology that transcends regulatory control. Like the military, financial regulators are always preparing to fight the last war…… the one they just lost.
Too much concentration of power in both business and governmental sectors produces an invisible hand of a different type. As businesses began rivaling governments in size and power the two institutions settled into a reinforcing loop supporting each other’s primary motivation of maintaining and growing their positions of advantage. The recent financial crisis and the impending cloud of debt that hangs over our heads is the clearest example that this “invisible hand” does not promote the common good when the common folks no longer have a hand to play. Instead, the common folks are being played and they need to wake up and understand that these huge problems aren’t out there somewhere; they’re coming soon to a theater near you. Many have already gotten advanced private screenings and report that the film is long and quite depressing.
It is too easy for big business and big government to conspire implicitly with impunity. We need to revive the ethos requiring that both institutions be highly accountable for how their individual and conjoined actions impact the common good. Both institutions need to feel serious pressure to approach every issue in an altruistic manner and where it can be demonstrated that average citizens are being shortchanged, unless there is rapid recognition and redress, significant sanctions should result. Legal wrangling and finger pointing should be out; like pornography we all know it when we see it.
You can choose your legislators but you can’t choose your captains of industry. Businesses and their leaders (especially those who are reaping massive financial rewards) who don’t proactively ensure the common good should become the primary target of the revived ethos and sanctions. It isn’t good enough to say “sorry we made a mistake and underfunded your pension”. Underfund a pension and you and your cronies get stripped of your personal assets and locked up in jail. Zero tolerance!
This is not about stifling regulations…..they do more harm than good! It can’t be solved by voting in new politicians, they just get recruited into the game. It’s not about being anti-business or anti-competition or pro-welfare state. It’s about singling out the cheaters and making them pay dearly because cheating creates unfair competitive advantage, pressuring others to cheat.
As commoners, our last bastion of strength is of all things; jury duty. Whenever a David has the courage to take on a Goliath don’t be swayed by the fancy lawyers and legal mumbo jumbo, act based on your own innate sense of right and wrong and where there is wrong, inflict pain as quickly and acutely as possible.
EXCELLENT, and very thoughtful and observant, comments! However, at least we have a vote with, admittedly big, government; we do not have even a marginally effective one in the (increasingly global) private sector. Waiting for government and business to agree on some “new altruism”, won’t get it. Government regulation is the only answer for the majority of we U.S. citizens. And, to insure a citizen-responsive government, we need to take the money out of politics — REVERSE CITIZENS UNITED! LIBERTARIAN SOCIALISM is the future; i.e. more regulation and taxes for organizations (of all kinds, including so-called “non-profits”, and the larger the more), and somewhat reduced regulation and taxes for individuals. HARNESS THE POWER – EMPOWER THE PEOPLE!
Hanrod, we are all going to have our own ideas and I like that fact that a plan is emerging. For Liberty Mutual they must be put out of business at least in this country. They are ruthless and have shown no remorse for what they are doing and have already done. It’s all about not paying claims, treating their employees like the rats they are and paying out their undeserved profits to their executives.
I propose going directly to large and mid-sized employers and universities and educating them on what it means when Liberty pockets premiums and doesn’t pay valid claims. And that is that it hurts our economy and their revenues. If consumers don’t have the money to purchase their product then that is a problem for them. Liberty is socializing their losses (SSDI) and privatizing their profits. They have $18B in capital but it won’t last long if we get large employers (that depend on the American middleclass for their revenue)to drop them as their insurance company, for auto, for LTD, for STD, for liability. This is something that can happen right away. Even a year ago most companies didn’t realize this but they do now. They know in a bad economy every paying customer is gold so why would they stand by and watch Liberty Mutual deplete their customer base by impoverishing entire families with their denials?
Liberty Mutual Tax Break Approved
by Stateshirleykressel | Wed, Mar 31, 2010 2:30 PM EST
This morning, Deval Patrick’s Economic Assistance Coordinating Council approved a $22.5 million tax break (TIF — tax increment financing) to subsidize the triple-the-zoning-height tower that the Liberty Mutual Insurance Co. wants to build at the Back Bay/South End/Bay Village interface. The EACC members voted without a moment of deliberation, totally disregarding four lengthy and detailed citizen testimonies pointing out, among other reasons to disapprove, the fact that this subsidy will not actually create jobs in the city and state — the core goal of the TIF program, as Greg Bialecki, Governor Patrick’s economic development chief, emphasized at the meeting.
——————————————————————————–
Liberty had previously assured the Boston City Council at a public hearing that the company has absolutely no intention of pulling its headquarters operation out of Boston, so that loss was never a risk. As to “job creation: I testified, as I had written, that, in return for about $40 million in City and state tax waivers, Liberty is promising to create, at its 2500-employee Boston headquarters campus, an average of 30 jobs annually for the 20-year term of the tax break — barely 1% hiring growth that will be invisible in a company this size, and indeed, under one-fourth the number of jobs Liberty has created annually (125) since 2004 WITHOUT any tax break. Yes: with the tax break, Liberty will hire 75% FEWER employees than it hired without the tax break.
And of those, only 20% will likely go to Boston residents, per the current pattern. So, the City of Boston is giving Liberty a 20-year tax break totaling an estimated $16-$20 million to hire six Boston residents a year. SIX JOBS A YEAR: INVISIBLE! At a million dollars a year, that’s about $165,000 per job per year (I wonder if any of the jobs will even pay that much). Mr. Bialecki wrote in an internal memo that subsidies should not exceed $30,000 a job, which is a federal standard.
I pointed out in my testimony that when he was running for office, candidate Deval Patrick said to me personally, and admitted in the Boston Globe, that tax breaks don’t influence significant business decisions, and that a business relying on tax breaks is a business going out of business. Yet the state corporate gravy train continues and indeed accelerates.
Of course, Liberty Mutual, #86 on the Forbes 100, is far from needy, so flush with cash that it will fund the $340 million tower to be subsidized out of its current assets without even needing a loan. It takes in $30 billion a year, with a net annual profit of about $1 billion. And two of its buildings, in the “blighted” Back Bay, already have tax exemptions under Chapter 121A here and here, for an annual tax saving of some $7 million. This TIF is just a little more icing on the Liberty cake, a golden handshake for its $27-million-a-year CEO.
But it is significant money in terms of the city and state public services it could fund. (I ask again: where are the library advocates? the parks advocates? the schools advocates? None were at this EACC meeting.) The Governor closed the Ferguson Industries for the Blind to save $867,000 a year, eliminating 25 jobs. At any time, but especially at a time when public services are being slashed to the bone, a subsidy like this one should not even be considered.
Patrick, who evidently arranged for this approval in a closed door deal along with Boston Mayor Tom Menino, will now have to defend his record on corporate welfare. We will not be fooled again.
I invite the Governor, the Mayor and the Boston City Councilors who voted for this TIF (only Turner and Yancey voted against it), to explain their decision here.
And I invite all the other gubernatorial candidates to state their positions on this and similar tax breaks here.
Yahoo News
Liberty Mutual May Owe Missouri $1.6 Million in 18 Months
..
William Browning– Sun Apr 17, 12:29 pm ET
Liberty Mutual Insurance owes the state of Missouri $1.6 million for incentives given to the insurance giant to keep hiring in Fenton. Announced in October, the state tax credit was given to the Boston-based company if it promised to hire 100 new workers, according to the St. Louis Post-Dispatch.
Now, the company is laying off 45 workers by giving them a severance package or they can accept a lower-paying job in the company. One worker interviewed by the Post-Dispatch said it would result in a cut of about $20,000 per year in pay.
Is this the result of what the General Assembly is trying to do in order to save jobs? Liberty Mutual isn’t even based in Missouri and it is cutting jobs at its insurance center. The recently published Strategic Initiative for Economic Growth states the financial and services sector is one area that needs improvement regarding more jobs in Missouri.
That plan needs to be implemented soon. It’s just 45 jobs statewide, but for those high-paying jobs and those families the times just got a lot tougher. Every job loss, no matter if it is minimum wage or middle class, hurts in Missouri. When companies are letting employees go after their promise to hire more workers, it becomes a problem for taxpayers.
Liberty Mutual has 24 months from the time it received the money to hire 100 workers at a salary of $48,000. Supposedly, the workers let go were part of the Safeco corporation before Liberty Mutual bought them out in 2008.
Even though Liberty Mutual still has 18 months to fulfill its obligation to Missouri, this new move is a slap in the face. How will the company hire more people if it lays off 45 already? The company was given BusinessWeek’s 50 Best Places to Launch a Career Award in 2009. There are currently 11 job openings at that location in Fenton.
It seems there are many mixed messages. There are no mass layoffs being reported anywhere else in the Liberty Mutual system. They are letting go of 45 employees yet hiring for other positions at the same location. The insurance company also promised to hire 100 people, of which they have only done 41 and then dismiss 45. Maybe letting go of more workers saves more money than paying back the $1.6 million they will owe in October 2012.
It seems to me Liberty Mutual has 18 months to hire 104 workers for nearly $50,000 each. If the General Assembly is looking to be more pro-business and “fix the six,” so far it isn’t working.
William Browning, a lifelong Missouri resident, writes about local and state issues for the Yahoo! Contributor Network. Born in St. Louis, Browning earned his bachelor’s degree in English from the University of Missouri. He currently resides in Branson.
I hope you are having some success with your employee class action; thank you for your website.
I have a third party claim against one of Liberty Mutual’s insureds. Liberty Mutual has admitted full liability, but refuses to pay anything more than 1/3 of the damages/costs. I have already filed a complaint with the California Dept of Insurance, but continue to get the run around from Liberty Mutual. Do you have the contact information for Liberty Mutual’s legal department in California and/or have any suggestions? Any help is much appreciated.
Thanks,
Jerry Gorski
714-928-2842
I am looking for any former employee, employee’s that can help me fight Liberty mutual in a current lawsuit . I am the plaintiff in a car truck accident . I am now in my 5th year of fighting . Can some one ,any one please help me find proof of the Stall , Deny , and Delay practices that have been adopted from the McKinny group in 2007 .
Also , I am seeking any help to fight against Liberty Mutual insofar as any , and all proof of how many times Liberty Mutual was sued while covering ATF Trucking LLC.
Can someone , if possible who might still have a friend on the inside who is not happy , help me obtain this information . I would like to stick it to the lawyer , law firm representing Liberty Mutual . I was almost killed by steel falling off a truck , and I was subjected to questions of my family medical conditions , any and all childhood illnesses and doctors names . I was also subjected to questions like if I suffer from depression, or AIDS ,or am suicidal ??????
All I was doing was trying to drive to work minding my own business .
I wish you all the best of luck suing them , and using whatever legal methods possible .
If anyone can help with information ,please send it to spiderlock@att.net
Thank you ,
Robert
I’ve been an ISR at a LM call center now for 8 years. I’m about to get fired for performance for sales/availability but I went on FML leave for 3 months before they had the chance to fire me. I also attempted to get short term disability for chronic stress and severe depression…I also have OCD and ADHD which makes the simplest things so difficult sometimes. I feel like my job has been hung over my head for about 4 years and I am going crazy because LM just does everything so assbackwards it makes me so mad. I’m a loyal, committed employee who wanted to love my job and I love the people I work with and my actual job but the company itself is slowly killing my spirit inside
I think I’m getting fired tomorrow when I get back to work and I dont know if I should sign that form to get my severance….? I think between my mental status evaluation form filled out by my doctor, my disability claim AND appeal letter I sent after the denial of the claim, my previous certified FML forms since 2007 showing I have been treating stress, depression, and ADHD in a controlled manor until recently, as well as my last review (OSPEY) which mentions my lack of focus is killing my critical goals, my numerous customer compliments and customer satisfactory awards showing I’m an asset to the company…I think all these things may make a case for me? I dunno, should I sign and get severance or does anyone know what I should do? Oh and get this, my performance is so bad that I’m getting fired and was advised there was no budget for raises but yet I got an $850 raise? Doesn’t make sense….Irresponsibility should really be thier motto. Or better yet “ASSBACKWARDS”. LOL I can see the commercial now….”How would you like to start your day….? ASSBACKWARDS! LM helping people get screwed since 1912″ Help! The company is making me crazy…..!
I got no raise the year I left to go on Disability. I NEVER had NO raise with the company. I’ve had bad raises for years, but I knew they were about to fire me (what did they care? They were eliminating supervisor jobs soon – they did, when I was out on Disability). What also makes me EXTREMELY mad, is that Liberty will NOT pay more than 2 years (plus 90 days if hospitalized) of Disability if it is a mental condition. HOWEVER… if it’s a physical condition, employees are covered for life (until 65, then the Disability turns into Retirement payments). What happened to Mental illnesses??? ESPECIALLY, when I waas diagnosed as PTSD from work??? I have other issues, but why punish the mentally ill? They can’t help it! If it was physical, sometimes that could’ve been avoided (but I agree with their disability though – just making an example) but how can mental issues be avoided??? It’s not the person’s fault!!!!!! Why be cut off from benefits when other diabled people get it for life??? HOW is that FAIR??????????????????? I am OUTRAGED!!!
FYI – Been with the company since 07/23/1990!
Liberty/Safeco must be exposed at some point. As a current employee, I have watched countless employee’s terminated for reliability (too much unplanned time off) and performance issues. Two older employee were recently terminated in the past 3 months for not meeting average handle time….Dah, the older CSR’s are not going to ever be as fast as us younger kids they hire in and that is exactly what Liberty’s goal is to get rid of the tenured and older folks by increasing average handle time last year. They find ways that they know will work to get rid of the older and tenured people in the organization. So in our great nation of the U.S. when I reach a certain age, I can forget having a future with this company and I can’t imagine being older in this economy and loosing your paycheck. These people were like grandparents to me and I heard the excellent customer service they provided, it just took them longer than myself. I overheard a manager speaking to another manager about how frustrated they are with the entire process. This is so sad and I think a jury would be very sympathetic to hear the stories of all of the recent termination.
I’ve applied for claims positions twice in Seattle. On both occasions, candidates in low thirties were hired, despite my greater experience. I believe it was age discrimination as I, with the experience, am over 50. Anyone else experiencing this?
I am 52 and a career PD claims subrogator. I have submitted numerous applications to positions with LM Dover New Hampshire and even though I am AIC and NASP accredited, I receive rejection letters on even entry level claims positions that I am blatantly overquaified for. The rejection e-mails are usually received within one hour of submitting my application, no call – no interview. It has almost become a joke because it is obvious they are not looking at the details of the resume, only the 12 years at one carrier and 10 years at another, and 8 years at another. To me, this means (and should read) comittment and stability. To them – TOO OLD.
Obviously a business should want to hire the most experienced people, even if they were applying for an entry level job.
I run rings around the junior staff in my office that are half my age and can’t get their faces off their I-Phones and Facebook pages for two minutes to do actual work, yet these are the people LM are betting the future on.
After almost 6 years with the company, having 3 different positions, working at 3 differnt locations and receiving more than a 1/2 dozen recognition awards, not too mention saving the company a very considerable amount of money in an employee dishonesty and misconduct case, amongst other situations time & time again showing them my loyalty… they then have the nerve to conact me by phone, while I was recovering from surgery, to notify me I am getting my pick slip when I return to work! UNBELIEVABLE!!!
I would be interested in any legal action against Liberty Mutual.
Also Would Really be thankful for any information regarding how to voice my complaint as far up the ladder as possible.
Thank You.
As a former Travelers employee who saw the “downsizing” first hand, I sympathize with what the Liberty Mutual employees are going through. The branding these companies use to make them look so upright and caring is only a commercial meant to mislead the public. Corporate America at its finest! I will do my part and not buy any insurance from LM.
Best of luck to all of you.
Regarding the pay off of QMEs…My QME was selected by Liberty and they aren’t supposed to do that. He was obvious with his intentions. I complained to my attorney (who cared less-he was buddies with this crew I found out) the same day of the QME visit. But, I saw someone write they wondered how much they get paid. This quack sent 2 different bills with my report (in a confidential envelope but not sealed). I added up the sums-one was for $4,050 but it only added up to $3,300. There were only 9 charges on that bill. $750 padded?!…Even the DOI was wrong. I had 9 pages of corrections and later went ProPer. I even had a letter from the Medical Unit apologizing for his errors, inconsistancies…Liberty’s attorney was buddies with the judges and they made court orders to send me back to the same guy. One even said they’ll appoint a nurse and I can tape record it. They are nuts. I didn’t go. I had the president of the analytical …on my panel and the judges didn’t care a bit with all the exhibits, etc I filed with a DOR for a MSC. So, I contacted the manager’s of the adjuster, district, regional, they called to settle and were so full of it I ran low on cash so took it but had faxed over prior a letter indicating that they aren’t reading the facts, they are tampering with evidence, falsified medical records, etc…and I will have to accept whatever because they bully sick people without a care. Anyway, I too would like to sue them and my employer because this is only a tiny bit of what went on and I had my claim denied within 10 days without my ever filing! So, why would Liberty want to take me on with a deposition, QME, want to pay that same QME again when thay had a GAF 20 months after the DOI…it’s a backyard game for the people that Liberty has on staff and their friends. I must stop. I contacted Boston’s leaders of WC and they could care less how the staff does business for that company. So, if anyone has an attorney that wants to handle something like this-facts on file-write—sleepystream@gmail.com We have to stop this. The judges were a BIG turn off. I hung up on the 1st one (teleconference my MSC) and the second I walked out telling them they stick together like fleas on a dirty dog. : ) Thank god I am alive and much better now, but, JUSTICE MUST BE SERVED.
It is with mixed emotions that I write this. I had a lot of good and bad experiences as a LM employee over a 5 year span. I had family members who truly enjoyed working for LM convince me to apply.
When I applied, I had my Bachelor degree in business and had been a manager in other industries. I was comforted to meet co-workers who had been with LM for up to 40 years. I was not an advanced college hire nor put on any fast track. I was hired at the same time as about 5 other North Eastern graduates who were ACH. I was use to working nights and weekends so putting in extra time was not an issue. I can’t say I ever saw any of these guys in the office past 5pm or on weekends. They were all promoted to the next level within 6 months of their higher date. Their case load was at most 1/3 of mine. I was eventually promoted to the same level, always scoring 1 point less than above the “range of effective performance” which cuts your vip bonus at year’s end in 1/2.
Still, I liked the job itself and felt that the compensation was pretty good. I looked forward to a long career with LM. I had my bravo awards coupled with run ins with my TMs.
I had 7 TMS over 5 years. The first one quit 4 months after I was hired. The second one was temporary until the new TM was hired about 3 weeks later. The new (third TM) and I did not get along. He use to kick the desk and fist pound his desk when we would argue over a liability or coverage issue. He was eventually demoted then quit. TM 4 was the office favorite… Super nice guy, relaxed, and professional. 3 months with him before he left for another job within LM. TM #5 was tough, but informative. She was fair and knowledgeable. Had her for 6 months before she announced she was also leaving to transfer within LM. The next TM #6 did not care about his job. He had outside interests. He was fair, but came across like we bothered him asking him a question. He actually fell asleep during one coverage question discussion.
During this time I had a run in with a senior Vice president with the Company. His wife was involved in an accident and the other party claimed injury. Protocol dictated that I call and inform our insured of this injury claim. The senior VP stated that no one was injured and asked me if I knew who he was. Informed me that I should handle his claim as if he could go to my superior at any time and have me terminated. Upon explaining this was mere protocol he hung up on me. Then he called me about an hour later and apologized because he then talked to his wife who confirmed that there were injuries in the other car. About 1 month later I was for the first time put under written warning by him without ever being on verbal. On the day that my 30 day review period was up, I talked with TM #6 one on one. I said that I had a family and needed to know if he or his superior had the final say on assessing my performance. He confirmed he did and saw my concern. He said that I should not worry- my work has been really good and it would speak for itself. About 1 hour later he was in a meeting with his superior. Turns out he was fired during this meeting. I went to discuss my situation with his superior- asked if/ when I could expect to meet with someone who about my 30 day warning status. The superior said that my TM did not leave any notes and never discussed my performance with her that day. Then she said that previous conversations with the TM showed poor performance and that I needed to have my 30 day period extended to 45 to be evaluated now by her.
I was discouraged. I worked very hard to improve all of my work in all areas and needed to get the weight of a warning period off me. That’s when I got a surprising call on my cell from this TM. He wanted to ensure that I was taken off of written warning. I told him no, that supposedly he had not left any notes about my work with his superior prior to his termination. He said that was BS- that I should go to HR because the day that he was fired he went in and informed his superior that I should be taken off of warning. He said that he copied his notes and e-mailed them to his personal e-mail and his superior. I did mention this to HR. The next day I was called into a meeting with his superior and her superior and was informed that I was being taken off of warning but was instructed to be more positive around the office. ( I should mention that the employee reviews had just come out scathing the management in all facets of the job).
The Superior of my previous TM was terminated shortly after. She had been with LM for 30 years. So on to a new TM #7 who started off like my best friend with their new superior hired from outside the company. Other long time employees began to be let go based on performance. Suddenly after 30 years they forgot how to do their jobs supposedly. Before long it was my turn and me and my TM began to bump heads over a couple minor issues then suddenly nasty notes began to appear in my files. The new TM threatened to put me on warning again. I began to look for work outside the company and found something and left a job that I enjoyed and a company that I respected.
Leaving on my own not on warning allowed me the opportunity of an exit interview. I informed them of everything that happened. I left out other things like TM#7 getting so drunk at a co-workers wedding that she pissed her pants and confirmed she was in love with a co-worker and subordinate of hers. She was married at the time to another LM employee. About 2 months after I left the company she was also demoted.
In the end I am disappointed that things worked out the way they did. I would have loved the opportunity of a fair shake from the beginning.
On a side note, on my last day I walked past a desk of an employee who was recently hired on a “rotational” basis (which replaces the Advanced College Hires and Fast Track programs of the past) and been there 2 weeks. He was training a new employee on their first day and teaching them everything he knows about the insurance business he had gained over 2 weeks. God help LM policy holders.
Whoever is doing the hiring/firing and allowing all the negative relations take over–should be fired…It seems that they hired too many buddies in the WC departments here in CA and the mgrs out in Boston don’t care what’s going on. The Presidential Team might as well be closed down. They are an intake department that doesn’t share the info they collect. It stops there. So, I wish the employees there that are honest and trying to enjoy their careers good luck because there are so many evil employees just there to network for their friends outside the company and their friends that have claims. It’s a long story what I analyzed that was going on in the WC departments. No WC policies were followed and mgt could care less…I wrote up some info earlier today regarding my experiences and they are being revewed I guess before being posted. Liberty has a majority of ruthless individuals working there it seems…
Wow your story seems so similar to my wifes story its unreal. Liberty, when my wife first started was very family orientated. She went through approx. 4 managers in the past 3yrs and as a supervisor covered their collective arses many at times. They have treated her with the ut- most disrespect. I could go on but your story is so similar. Oh and one time recently 2010 they went on some trip near the ocean her boss’s got drunker than skunks they misrepresented LM. Being a business man myself I would have fired all of them on the spot. Oh but no LM uses the cowardly method of “performance managing out”.. which is BS.. and I believe they practice “age” discrimination” !
Liberty is engaged in hiring younger workers who want to make a name for themselves. LM then directs them (upper management) to cut budgets etc.. well what a better way to do this by firing or performance manage them out for stupid things that do not effect the job but because that person is younger they claim an unwillingness to change by the older more experienced supervisor. It all smells and LM needs to be put out of business.
Maybe I will give a blow by blow about my wifes illegal firing some other day. Her HR person told her tomorrow would be the day. (against company policy) Oh and btw HR is not there for you they are there for upper management and liberty only…
I must agree that Liberty Mutual has truly turned out to be the biggest let down. As part of their management staff, I’ve seen first hand the total lack of respect and complete disregard for employees that has trickled down from Upper Management to the local offices. The spineless management in the local offices see the injustices, but they say nothing. Instead, they continue to ignore their responsibility to lead fairly and without prejudice.
Local management is supposed to be the voice of the employees in the local office, but for years now they have made it a common practice to prostitute themselves for a dollar at the expense of innocent human lives. The company has turned it’s back on hundreds of employees that have dedicated themselves for 10, 20, 30 years and more by treating them like last week’s trash. These are the individuals that have come in early, stayed late, worked weekends and in many cases, sacrficed a great deal of time away from their own families.
Did Upper Management forget that these unfairly treated employees are also the face of Liberty Mutual? How many customer complaints has the CEO addressed??? When a policyholder is distressed, whether it’s over a policy premium or claim, I hardly believe that the VP is taking that call!!!
Responsibility starts at home. Does anyone truly believe that Liberty Mutual will do right by their customers if they consistently do wrong by their employees? I THINK NOT!!
Needless to say – I have canceled all three of my policies with Liberty Mutual and I would recommend that everyone else do the same.
I TOTALLY AGREE WITH YOU. LOCAL MANAGEMENT IS SPINELESS, AND DOESN’T BACK YOU UP WHATSOEVER.***
*** A WOMAN WHO WAS A RECEPTIONIST WITH THE COMPANY FOR ALMOST 2 YEARS WAS REPORTED TO A LOCAL MANAGER,FOR AUXING OUT ON HER PHONE TO NOT TAKE CALLS & THROWING OUT RETURNED LM MAIL. BUT IN REALITY IT WAS SO SHE COULD PLAY ON FACEBOOK, MYSPACE, AND SHOPPING SITES ONLINE ALL THE TIME, SO SHE WOULDN’T HAVE TO DO PART OF HER JOB (WHICH WAS TO ANSWER CALLS & OPEN RETURNED MAIL, AND CONTACT THE POLICY HOLDER TO UPDATE THEIR INFORMATION). *** ***AGAIN, SHE WAS REPORTED TO LOCAL MANAGEMENT BY A COWORKER WHO SAW HER FOR WEEKS DOING THIS AND LOCAL MANAGEMENT HE DID NOTHING. SO THE COWORKER WENT TO HIGHER MANAGEMENT & ALSO THE HR DEPT…. AND WE WERE ALL TOLD THAT THEY QUESTIONED THE WOMAN, AND WAS APPARENTLY TOLD BY HER (THE ACCUSED) THAT SHE WAS OVERWHELMED AT THE FRONT DESK ALOT) & THAT SHE THOUGHT THAT’S WHAT SHE WAS SUPPOSED TO DO WITH RETURNED MAIL… WHAT A CROCK OF CRAP…. AND YOU KNOW WHAT? TO BOOT, THEY GO AND PROMOTE THIS IDIOT TO THE AREA MANAGERS SR. ADMIN UN-F**CKING BELIEVABLE!!!!
Liberty Mutual absolutely needs to be taken down. They have a complete disregard for their employees, the fellow workers might care about you but the company itself could care less about you as a person. I have friends currently employed back in Portsmouth and they hate the company with a passion. Job market is so bad in NH that they just keep quiet and take it you know where…. What a joke of a company. Might think twice before insuring your risks with this crappy company.
Whats going on with the overtime lawsuits in California? Does anyone know. It sure appears Liberty has dug their heels in for the last 9 years, and does not appear they will back down. Anyone?
The total absence of the EEOC in this campaign for lawful treatment of insurance company professionals is about Obama. We have a source in upper management at the EEOC in Washington who said that the age discrimination case against Travelers was dropped by the EEOC because Travelers is lily-white. The case against Travelers was unusually strong ~very well documented~ because it originated in Travelers’ legal department. However, the current administration’s policy is that they will only spend their agency resources to assist people of color. (E.g. The Justice Department voter intimidation case that was dropped disappeared because it would have run afoul of the Obama priorities.) In addition, the network (ABC) that was tracking the story about labor unrest at Travelers backed off because Travelers is a big advertiser on ABC. Barbara Walters knows all about what a big story is brewing behind that cute red umbrella but her employer makes a lot of advertising dough from Travelers. End of story. Lastly, the website that was airing all the dirty laundry about the insurance business was (apparently) purchased by either Travelers or a consortium of insurance companies because they were getting so publicly hammered by their downtrodden employees. Job Vent disappeared almost two months ago. So there you have it. But our goal is that there will be a ‘Wikileaks-style’ document dump regarding the insurance industry. Let the world know what these ************s are doing to their people. So stay tuned.
Unfortunately the media seems to be getting very complacent. The government can’t seem to control these fraudulent insurance companies and the spineless cowards masquerading as management are too scared to open their mouths for fear of being exposed as incompetent by their subordinates. We do need a “wiki-style” dump and that’s what it’s going to come down to, although in the next Wiki dump their are going to be some financial institutions involved. One of them will be Goldman Sachs who is totally in bed with Liberty Mutual. “Failed IPO” Liberty Mutual which is a great embarrassment in and of itself.
There are people who would be interested in a class action and we are looking for more. If you or the interested attorney would like to contact me directly, the email address is info@mrlibertymutual.com.
I am currently employed & therefore proceeding with caution. LM is doing the same thing to me. I have filed an EEOC complaint & have an attoney willing to pursue a class action. Please advise if anyone available to get on board with me.
I do believe there has been a systematic reduction in the employment of those who were 40 years old and above. Likewise with those who have 15 years’ experience or more. One only has to obtain the staff retention reports located on the claims common server. The steady decline over the past 3 years is very interesting. I know if this decline were happening from a claims perspective there would be a review of our claims processes. Red flags would be up all over the place. Can this be tied into an actual age discrimination suit? That would be for the courts and a really good labor attorney to decide. In regards to former employees, most have signed the severance agreement. Unless it can be proved that they were coerced into signing it, I think it’s a pretty safe bet that they cannot be included in any suit.
It’s amazing what this company gets away with. They break the law on a daily basis with no repercussions.
I worked for LM 17yrs only to get laid-off in the summer of 2009. Age discrimination for sure since I was part of about 100+ employees aged 48 and above to get the pink slip. We would love to litigate but most of us took the severence pay to survive. Bastards !!! Seems that big corporations can get away with almost anything when it comes to releasing employees. If a termination lawsiut is in the works, we would love to speak our side and rip LM a new one.. !!!
You can still sue. (up to 3 yrs.) you have rights beyond the severance pay. For instance if they committed a crime like violating the age discrimination act then you can have them prosecuted. Also, if your married your spouse may be able to file a suit as well.
You can claim you were under duress when signing the paperwork.. look go for a Jury Trial.. that will make them quiver
Best wishes and success with your legal actions against Liberty Mutual Insurance group. As a recent visitor to your website, it seems like the main focus with your site is for the many people whom were what they believe wrongly terminated from their employment with Liberty. As this has happen to me-more than once with other companies, I clearly empathize with all of the pain, suffering & anger you feel with this devastating job loss-especially in our economy today. My violation at the hands of Liberty Mutual Insurance is from the customer-patient side, as a present day workers compensation case with Liberty has denied, delayed my case getting opened, operation & medical treatments. I too realize the only way to effect a very large company like this is to in a significant way impact their negative reputation further on a national level and with significant class action suits. Although I feel your pain, suffering & anger as past employees with Liberty whom may now have been violated by your ex company; I ask how many of you prior to this happening-have violated the customers-patients like me? You all will have to stand together and for us customer’s we will do our part in taking care of Liberty Mutual Insurance Group, their affiliates such as Helmsman Management Services, L.L.C., their paid for doctors whom are instructed and paid to come up enough “stuff” for some review nurse to create adverse determination letters, will be stopped from these evil practices. Likewise, their high priced law firms and attorneys will be no match for the truth! As the self proclaimed Independant Crusader, I realize any loss Liberty Mutual company and its network can experience is a gain for mankind; so good luck with your endeavours. I do not have a website as yet; but my e-mail is vbegsurfing (at sign) verizon.net just address your message to the Independant Crusader. I’d like to know, on average how much Liberty Mutual through their sub-company like Helmsman Management is paying their school to school review doctors to come up with data for the Utiliization Review team and then nurse to write their so called adverse determination letters? What is the average payment these “doctors” are prostituting themselves for?
See Comment #2600 1 29 11.
QME report if added up properly was $3,300 on one (he padded mine $750-he wrote the sum of the 9 charges was $4,050). The other was around $1,200. This was for the one visit. He harassed me. Lied to my face about my medical records. He said I had blotches on my face and chest into his tape recorder (included that in his report) after I corrected him about something. I DON’T HAVE ANY BLOTCHES ON MY FACE OR CHEST. I had a button up collared neckline and he couln’t even see my chest. They truly had a corrupt system. Good luck.
Exactly my experience where Liberty Mutual has used Helmsman to deny treatment previously approved by QMEs and Sedgwick.This company should be avoided all all costs!
I have a family member that was employed by liberty for over 25 years and was “laid off”after declining a lesser paying position.It seems,to me,that in mgmt positions,the ratio of ‘over 40” employees that are ‘let go’,or on ‘performance warning’ is disproportionate to other positions. Liberty will claim that the ratio of under 40 as opposed to over,is relative through out the company.That may be true,but when you break this down to supervisors,T.M s and higher paid grade levels,I would be interested to know how those demographics read.
Heck, yeah! So would I!
Hi Everyone. I was handling the EEOC complaint side of the web movement. We spent many hours attempting to make a case with a team of claim reps much like ourselves. Were no longer pursuing this avenue. Seems there is nothing going on at the EEOC level against any insurance company. We were recently informed they even dropped a complaint against another big carrier in the industry. The EEOC is just not not equipped to fight such large companies but the web movement is working. We believe the time for venting is over and hitting the bottom line seems to be working but there’s still much work to do.
Thank you for the update and for your time working with the EEOC. I have spent countless hours sifting though emails attempting to put together a case against the company. Right now I’m only forwarding customer complaints to attorneys and taking inventory of who was involved in a layoff due to a performance termination and age descrimination. I really don’t think we’ll ever use all the “other” information that we’ve been receiving. It’s not the purpose of the site. For those of you submitting that “other” information, be very careful. You could be destroying families and many times kids are involved. Best that we leave this site to do it’s primary job of starting the class action and informing the public of what kind of company they will be dealing with.
There are a lot of people out there pulling for you. I check the site daily and I know for a fact Liberty has hired a company to monitor this site to protect their so called reputation. Soon I will be making my break from this company and hope to join this project. It’s time more people stand up and do the right thing for once and not let Liberty Mutual walk around telling everyone how responsible they are when they are the exact opposite.