I have been off work since late Sept. on short term disability (which I pay for). Got my initial claim approved and got paid for a few weeks.
Was expecting weekly paychecks. Nope. Had to go back to Dr. for more paperwork. I went, and sent it in.
Prior to this I went for over a week when the claim should have been approved but the insurance company said they only got a partial fax from my Dr the first time. They faxed it all 4 more times. Then I got my own records and faxed them from 2 places. Then it had to go to a dr to review.
(And in researching the company have found that others have heard the same thing...sorry, we never got the faxes, even when the Dr. Office has confirmation that the fax went through).
So now they have my paper work and today told me it could be 10-14 more days before someone looks at it - even though nothing has changed, my dr. has me written off, they want to review all of my medical records again.
All the while I sit here with no paycheck, the one they did give me was short and all went to bills. No gas. My Dr. saw me and said she would just bill me later for the copay (she is awesome, and pissed at the disability company) and gave me some free samples until I can get my prescription filled.
The guy in HR I deal with is miffed at them as well (and not just because of my situation, he has a lot of problems with them).
Can't go back to work until release and was going to see a specialist but they cannot see me until later next month, and the lady at disability was pissy with me about it "Why haven't you seen so and so yet?" well cause I can't get in, can't afford it, and she is on north side of town and don't have the gas to get there until you jackholes pay me.
---Not taking this laying down, researching and going to call them and get medieval on their asses. My x relies on my support payments (she is disabled and on fixed income) to make it month to month.
I pay into the insurance to have pay continuation (at 2/3 normal pay rate). Last time I was off (earlier this year) I went through this hell and said screw it and got my Dr. to let me go back to work, and didn't get paid until much later (went 6 weeks without pay). My Dr. does not want me going back until I am better this time. How the fuck am I supposed to survive and get better when the company I have been paying - weekly - to cover me if I was out won't bother to pay me? Lord knows if I didn't pay them one week they would drop me.
Rant off. Two links I found after only a cursory search:
http://www.complaintsboard.com/complaints/liberty-mutual-new-jersey-c224945.htmlLiberty Mutual is the worst insurance company I have ever dealt with. They need to get with the progam and
treat people with respect and give the disabled people their monies. I have been dealing with this
unprofessional business since May and it has been a nightmare. They never returned my phonecalls, they
tried to deny my claims by lying and saying that they never recieved all my medical documents needed. I got
proof that they were lying about my medical records not being sent. And then they had the nerve to close my
claim without telling me that I had been denied. I am extremely disgusted with this type of
unprofessionalism. I reported them to the Better Business Bureau and I would highly recommend everyone to
stay away from this downright "rip off business". I have news for them, I will not back down and I will
receive my money. They finally messed with the wrong person!
http://www.consumeraffairs.com/insurance/liberty_disability.htmld) LM will pay benefits for about 2 months and then start suspending payments. Most common reason is
the doctors’ are not sending notes, even thought some were faxed in 4 times in my case.