November 2010 I went to ER due to being real sick and found out I had pneumonia and myocarditis. I was off work for a month and had no issues with Liberty Mutual. February 1st I was having chest pains, shortness of breathe, couldn’t get my legs warm and slept more than usual. Since I am still paying on the last trip to ER I called and was able to see my cardio doctor in 2 days. I waited mostly to save money and after seeing him he wrote me a note to not return to work till I had tests ran. I had a stress test, echo, EKG and labs. It took 3 1/2 weeks to schedule/ complete and when the test came back it showed my heart was fine. Now my employer would not let me return till I had doctor’s letter stating I was able to return to work. So when I returned Liberty Mutual denied my claim stating that my restrictions did not warrant not being at work. Of course the letter stated that my doctor did not return all needed info as requested. I am appealing this and I wonder if anyone had any suggestions etc… ? I am married with 3 kids and I am missing 3 checks which we can’t be without. I am lost, sad, frustrated and I don’t know what to do.

yes, i have received short term disability and did all what they said for me to do and still they told me that i owed an overpayment. i don't think that i'm the only one to be blamed for this. I've turned over all the information they asked. Now liberty mutual is going to turn over my overpayment to a collection agency and ruin my credit. What can people do in this situation. They blame everybody else but them. Seems like they are perfect.