In My Stuggle with Liberty Life

This is an open call for help. I am calling on liberty policy holders whose claims were declined, the ethics institute, consumer watch, the human rights commission, HPCSA and the print and social media, and television networks to highlight and investigate the conduct of Liberty and its Occupational the******s.(OT).

I am a liberty policy holder. I have been diagnosed with an incurable terminal illness. I am presently hospitalised in ICU due to heavy , continuous bleeding. I am in and out of hospital all the time due to the bleeding and other medical related issues.

Liberty declined my disability claims on 4 separate occasions. I have 5 policies with Liberty and pay R8 398 in monthly premiums.

I complained to the long Term insurance Ombud. The Ombud agreed with Liberty,s request that an independent OT report is a reasonable request. The OT carried out 2 assessments.

The 1st assessment occurred in the 22nd Febuary 2019 in her consulting rooms and the 2nd assessment occurred at my residence in Durban North. Both the assessments were video and audio recorded by the OT.

Prior to the OT reports being released the OT visited me at my 2nd residence in Ballito on the 20th March 2019. Amongst the other things that had been discussed, the OT communicated that Liberty coaches them on what must be included and what must be excluded from their reports.

The OT report was released to me on the 4th of April 2019. The report contained falsified and contradictory information. Critical medical findings by the OT were completely excluded from her report. I had been extremely shocked and dumb founded by the report.

Liberty re**** on this fabricated OT report to decline my claims. Video clip evidence provided by the OT contradicts assertions she makes in her report.

I have audio recorded evidence of the OT assessment conducted on the 27th Febuary 2019 and of a meeting that I had with OT on the 20th March 2019, to support my claims.

There is undeniable audio evidence that Liberty coaches and instructs its "independent medical professionals" on how to prepare reports. Liberty uses these reports to decline Black(African, Coloured and Indian)disability claims.

Liberty and the OT's behaviour and conduct warrant investigation and appropriate action to be taken.

Mr PM Singh