We do not handle social security disability claims

Court Finds Liberty Life failed to Provide Full and Fair Review

Liberty Life has been found to have failed to afford a claimant seeking long term disability insurance benefits with a full and fair review of her claim. The claimant presented a claim for both physical and mental impairments.

In terminating the claim and considering the claimant’s continued submissions of claim support, Liberty Life failed to provide the hired medical professional with all relevant medical records, a violation of the ERISA regulations. There were a number of significant medical records regarding the claimant’s mental health which were not provided to the reviewing physician, which impacted upon the completeness of the review. The Court found that Liberty Life “did not abide by its obligation to conduct a full and fair review” of claimant’s condition, thus, finding that Liberty’s Life claim to have afforded a full and fair review rang hollow.

Because the Court was unable to determine that the claimant was clearly entitled to benefits, however, it remanded the claim back to Liberty Life for a more complete review.

This is a common theme in many ERISA disability insurance cases, as insurers will filter the materials provided, which often leads to medical conclusions unfavorable to claimants. If your disability insurance company is pursuing a record review of your claim, you must ensure that all relevant records are provided to the reviewing physician.

Hayden v. Martin Marietta Materials, Inc.

Download Our Free eBook


Secrets the Disability Insurance Companies Don’t Want You to know!

Download Now
Super Lawyers | Justin 10.0Justin Corey Frankel
Justin Corey Frankel
Super Lawyers | Jason 9.7Jason Adam Newfield
Avvo | 10.0 | Top Attorney | Justin
Jason Adam Newfield


  • tick

    No matter where you are nationwide, we are here to help.

  • tick

    We have the resources and support to take on the largest insurance companies.

  • tick

    Contact us today for our nationwide service. Contact Us

logo celebratingFN
585 Stewart Ave., Suite 312
Garden City, NY 11530

Frankel & Newfield, P.C.
Toll Free: 877-583-2524
Fax: 516-222-0513
Map & Directions