Liberty Mutual Insurance

Also known as Liberty Mutual
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Contact Information
Name
Liberty Mutual Insurance
Type
Insurance
daisyBill Payer ID
db80958
Hours of Operation
06:00 AM - 08:00 PM EDT
Telephone Numbers
Main
(800) 362-0000
Claim Inquiries
(800) 362-0000 x 1,3
Main
(800) 362-0000
Claim Inquiries
(800) 362-0000 x 1,3
Bill Review
Liberty Mutual Bill Review
(800) 500-7044
CA Medical Provider Networks (MPNs)
Company Website

Liberty Mutual NATIONAL DATA

2,156
Total Provider Count
18,095
Total Injury Count
96,344
Total Bill Count
e-Bill
Bill Delivery
1%
Duplicate Bill %
7
Avg Days To Pay

Liberty Mutual CALIFORNIA DATA - REIMBURSEMENT STATISTICS

CA Average Days to Pay

For each bill sent from daisyBill software to Liberty Mutual, our technology tracks the count of business days it took Liberty Mutual to process the bill.

For the listed California workers’ comp fee schedules, this table reflects the average count of business days from Liberty Mutual’s receipt of a bill until the daisyBill client received an explanation of review (EOR) and payment from Liberty Mutual.

* California requires claims administrators to pay e-bills for medical treatment within 15 working days of receipt of the e-bill.

California Workers' Comp Fee Schedule
Average Days to Pay
Medical *
7.3
Copy Service
6.0
Interpreter
6.5
Medical-Legal
6.6
Facility *
7.8
Pharmacy *
4.8

CA Official Medical Fee Schedule

The California Official Medical Fee Schedule (OMFS) establishes the reimbursement amounts due to providers for medical treatment furnished to injured workers. However, rather than reimbursing providers the reimbursement amounts due per the OMFS, Liberty Mutual uses Preferred Provider Organizations (PPOs) to reduce the reimbursements paid to providers.

For Liberty Mutual medical treatment bills, this table reflects the OMFS Reimbursement Due to daisyBill clients for medical treatment provided to injured workers. Liberty Mutual Reimbursement Reduction reflects the amount Liberty Mutual failed to pay daisyBill clients. The Liberty Mutual Reduced Reimbursement reflects the reimbursement amount Liberty Mutual ultimately reimbursed daisyBill providers.

85%
Official Medical Fee Schedule (OMFS)
OMFS Reimbursement Due
$11,356,530
100.0%
Liberty Mutual Reimbursement Reduction
$1,703,520
15.0%
Liberty Mutual Reduced Reimbursement
$9,653,010
85.0%

Liberty Mutual CALIFORNIA DATA - EDI COMPLIANCE

Since October 2012, California law has mandated that claims administrators accept electronic medical bills (e-bills) and adhere to specific timeframes established by the Division of Workers’ Compensation (DWC) Medical Billing and Payment Guide. These timeframes govern the following Electronic Data Interchange (EDI) transactions:

  • 837 (e-bill) Receipt: The provider's initial submission of the electronic medical bill and subsequent Second Review appeals.

  • 277 Acknowledgement (ACK) Receipt: An electronic confirmation from the claims administrator indicating that the e-bill has been received and whether it has been accepted or rejected.​

  • 835 Explanation of Review (EOR) Receipt: A detailed electronic response from the claims administrator outlining the adjudication results of the e-bill, including payment details or reasons for denial.

By tracking this EDI data, daisyBill helps providers identify trends, resolve billing discrepancies, and maintain transparency in the workers’ comp electronic billing process.

X12 837 e-Bill Acceptance

California law requires Liberty Mutual to accept workers’ comp e-bills and Second Review appeals submitted electronically by providers. daisyBill transmits all bills and appeals using the X12 837 EDI standard, as mandated by DWC Rule 7.1.

When Liberty Mutual fails to accept e-bills compliantly, daisyBill resorts to non-EDI methods (fax, email, or mail) to submit paper bills for processing.

The table below shows how often Liberty Mutual properly accepts e-bills sent via the required X12 837 EDI standard and how often Liberty Mutual's failure forces providers to submit paper bills.

100%
X12 837 EDI Compliant
Bill Transmission
Original Bill
Second Review Appeal
Total
X12 837 EDI Compliant
837 Compliant
58,149
100%
5,465
99%
63,614
100%
Yes
837 Not Accepted
234
0%
42
1%
276
0%
No

X12 277 Acknowledgement - Timeliness

California requires Liberty Mutual to electronically send a 277 Acknowledgement (277 ACK) to the provider within two working days of receiving an e-bill. This notice confirms whether Liberty Mutual accepted or rejected the e-bill for payment adjudication. If the 277 ACK indicates acceptance, it serves as proof that Liberty Mutual received the e-bill for processing.

The table below shows how often Liberty Mutual sends 277 ACK notices to daisyBill clients within the required two working days after receiving an e-bill.

99%
X12 277 Timeliness Compliant
Bill Transmission
Original Bill
Second Review Appeal
Total
X12 277 Timeliness Compliant
277 Timely
57,729
99%
5,422
99%
63,151
99%
Yes
277 Untimely
420
1%
43
1%
463
1%
No

X12 277 Acknowledgement - Invalid e-Bill Rejections

daisyBill tracks the following criteria from Liberty Mutual 277 Acknowledgement (277 ACK) responses to e-bills:

STC Accept: Confirms that the e-bill was accepted for payment adjudication.

STC Reject: Indicates that the e-bill was rejected, with an associated STC Category and STC Code explaining the reason.

STC Invalid – Reject Second Review: An improper rejection of a Second Review appeal using invalid STC Category and/or STC Code.

STC Invalid – Reject Category/Code: A rejection where the STC Category and/or STC Code provided is invalid or not allowed.

STC Invalid – Reject Prior Accept: An incorrect rejection of an e-bill that was previously accepted via an earlier 277 ACK.

These criteria provide detailed insight into how often Liberty Mutual appropriately processes or improperly rejects e-bills and appeals.

97%
X12 277 STC Compliant
Bill Transmission
Original Bill
Second Review Appeal
Total
X12 277 STC Compliant
STC Accept
56,050
96%
5,401
99%
61,451
97%
Yes
STC Reject
3
0%
0
0%
3
0%
Yes
STC Invalid - Reject Second Review
0
0%
64
1%
64
0%
No
STC Invalid - Reject Injury Claim Valid
1,006
2%
0
0%
1,006
2%
No
STC Invalid - Reject Category/Code
47
0%
0
0%
47
0%
No
STC Invalid - Reject Prior Accept
1,043
2%
0
0%
1,043
2%
No

X12 835 e-EOR

An electronic Explanation of Review (EOR) is transmitted using the X12 835 EDI standard and provides details on the adjudication of an e-bill. DWC Rule 7.1 requires Liberty Mutual to electronically send an Explanation of Review (EOR) to the provider using the X12 835 EDI standard.

For Original e-bills, Liberty Mutual must electronically send the EOR within 15 working days after receiving the e-bill.

For Second Review appeals, Liberty Mutual must electronically send the EOR within 14 calendar days after receiving the Second Review e-bill.

The table below shows how often Liberty Mutual sends X12 835 EORs to daisyBill clients within the required timeframes.

88%
X12 835 Compliant
X12 EDI Standard
Original e-Bill
Second Review Appeal
Total
X12 835 Compliant
835 Compliant
50,248
90%
3,596
67%
53,844
88%
Yes
835 Missing
5,607
10%
1,508
28%
7,115
12%
No
835 Late
175
0%
266
5%
441
1%
No
835 Invalid Data
20
0%
31
1%
51
0%
No

Liberty Mutual CALIFORNIA DATA - PENALTY & INTEREST

If Liberty Mutual fails to remit payment within mandated time frames, California law requires the claims administrator to “self-execute” Penalty and Interest payments directly to the provider. Often claims administrators fail to self-execute these Penalities and Interest (P&I).

Using e-billing data, daisyBill calculates the Total P&I Due to daisyBill clients and the amount of P&I Liberty Mutual reported paying our clients.

The Penalty & Interest Balance Due displayed here is the amount Liberty Mutual failed to self-execute to daisyBill clients as mandated by California law.

$827,019
Penalty and Interest Balance Due
Total Penalty & Interest Due*
$856,989
Self-Executed Penalty & Interest Paid
$29,970
Penalty & Interest Balance Due
$827,019
Bill Transmission Year
Bill Count
EOR Receipt Count
EOR Missing Count*
Payment Late Count
Penalty Due
Interest Due
Total P&I Due
2019
40,185
38,438
96%
1,747
4%
2,873
7%
$73,393
$24,105
$97,498
2020
45,016
43,297
96%
1,719
4%
3,562
8%
$88,984
$36,058
$125,042
2021
55,327
53,579
97%
1,748
3%
4,149
8%
$129,384
$52,086
$181,470
2022
56,835
53,983
95%
2,852
5%
3,107
6%
$116,681
$45,015
$161,696
2023
64,792
62,121
96%
2,671
4%
2,207
4%
$98,037
$33,671
$131,708
2024
77,715
74,339
96%
3,376
4%
4,867
7%
$126,350
$19,146
$145,496
2025
12,613
11,785
93%
828
7%
415
4%
$12,607
$1,474
$14,081
Total
352,483
337,542
96%
14,941
4%
21,180
6%
$645,435
$211,555
$856,989

Once a bill payment is 45 calendar days overdue, daisyBill calculates Penalty and Interest amounts owed. Total P&I Due may slightly overstate the amount owed by Liberty Mutual in the instances where the underlying employer is a government employer, as California allows government employers 60 calendar days to timely reimburse workers' comp bills.

*EOR Missing Count reflects the instances where Liberty Mutual failed to electronically send the provider an EOR, therefore, daisyBill could not calculate whether P&I is due for these e-bills where the EOR is missing. Data updates daily.

Although daisyBill makes every effort to ensure our information is accurate, we assume no responsibility or liability for any errors or omissions in the content of this site, directory, or blog. The information contained in this site is provided on an "as is" basis with no guarantees of completeness, accuracy, usefulness or timeliness. All data on this website is subject to change without notice to improve function, reliability, design, or otherwise. Visitors to this website should take all steps necessary to ascertain that information you receive from this website is correct and has been verified.