The Blues suffered a surprise 3-1 loss to Roberto Martinez’s side at the weekend.
“The least we expect from every player is that we work hard and fight – and we did not do that,” Terry said in The Sun.
“We didn’t win our headers and we didn’t win our tackles – and that’s simply not good enough.
“You can go anywhere and not play well. But when you come to places like this, you’ve got to match their work-rate.
“We didn’t do that, the whole team. That’s the most disappointing thing.
“All the other big sides had emphatic wins, so it’s even more disappointing we’ve thrown away three points.”