Feeling Lost Because Reliance Standard Denied Your Insurance Claim?
By its very nature, the insurance industry is a complicated market that causes anxiety and hardships for many hardworking people when their valid insurance claims are denied. For policyholders of Reliance Standard Life Insurance Company, also known as Reliance Standard, these denials are far too common. If your Reliance Standard insurance claim was undervalued, delayed, or denied, do not give up. Donahue & Horrow LLP is your ally during these difficult times, and our legal team will fight to secure the benefits you are legally owed.
Our attorneys have extensive insurance and medical malpractice background and as a result, they know all of the tactics that insurance carriers like Reliance Standard use to deny policyholders’ claims. Our legal team has taken on industry giants to secure millions of dollars year after year for our clients whose disability claims have been wrongfully denied. Contact us now.
We will fight relentlessly for you to secure your insurance benefits and we will treat you with the dignity and respect you deserve during this challenging time. Call us today if you think you have been treated unfairly by Reliance Standard: (877) 664-5407.
About Reliance Standard – A Diverse Insurance Carrier
Reliance Standard’s insurance portfolio includes employee benefits solutions, disability income, and group term life insurance, and voluntary employee coverage options. Reliance Standard also offers dental & vision, stop-loss, limited benefit medical, annuity, and produce compliance products and services. In 2018, Reliance Standard’s total assets exceeded $14 billion.
Despite the company’s strong financial standing, Reliance Standard continues to avoid paying out disability benefits to people during their time of need. If your Reliance Standard insurance benefits were denied, contact us now and we will answer any questions you may have about your specific policy and claim at no cost. We are here to help.
Reliance Standard Tactics to Deny Disability Insurance Claims
Insurance providers understand that their long-term growth hinges on avoiding paying out insurance benefits. Unfortunately for policyholders like yourself, this means that Reliance Standard will do all it can to avoid paying your claim on time, at the value you deserve or denying your claim altogether. To achieve these goals, the playbook often includes three distinct steps:
- Failing to be specific as to the information you need to provide to support your claim;
- Misrepresenting your actual job duties; and
- Falsely claiming there is not enough medical evidence to support your claim.
It is challenging enough to take on an insurance company when you’ve been denied what is rightfully yours, let alone taking one on with enduring tactics designed to disrupt and delay your efforts. These businesses often try to “wear down” policyholders like you in the hopes that you will give up rather than fight for the insurance benefits you paid for and deserve. If Reliance Standard has tried one or more of these tactics with you, it might be a clear sign the business is trying to wrongfully deny your insurance claim:
- Conducting surveillance in an attempt to “catch you” acting in a manner inconsistent with your claimed restrictions and limitations;
- Stalling by asking for more and more records to support your claim, even if you already provided them with access to all of your medical records;
- Relying on the opinions of in-house doctors, who overwhelmingly tend to support their employer, the insurance company; or
- Attempting to rescind your policy because the insurance agent did not include information that you told him or her on the application.
Real Examples of Reliance Standard Denying Disability Claims
Reliance Standard’s strategy to deny policyholders’ insurance claims has been placed under a microscope in recent years. Most recently, a dentist submitted a functional capacity evaluation to receive disability benefits as he suffered pain that affected his focus and performance. Reliance Standard used its own doctors to submit opinions to deny his insurance claim. A court found that the dentist’s condition could pose a safety concern to his patients and awarded him the benefits he was rightfully owed.
Next, a judge reversed a decision that initially denied a plaintiff’s claim for disability benefits. In this case, a woman woke up with dizziness and felt numbness in her lower extremities. After seeking help from a neurologist, she received benefits for two years. After this two-year period, Reliance Standard stopped paying her benefits. A court would later require the company to analyze both her physical and cognitive abilities, a move that reversed the initial denial.
In 2017, the Court of Appeals ruled against Reliance Standard in a case where the plaintiff suffered from kidney cancer and numerous other ailments. Reliance Standard denied her disability benefits and administrative appeal, arguing the plaintiff was not totally disabled. The Appeals Court felt otherwise and upheld her disability benefits as mandated by the Employee Retirement Income Security Act (ERISA).
Do Not Wait to Act Against Reliance Standard!
Reliance Standard has proven that it cannot be trusted to do right by policyholders such as yourself. If you are dealing with an insurance claim denial from Reliance Standard, we urge you to take action. Do not delay another minute. Insurance claims have strict deadlines that must be met in order for you to collect the insurance benefits you are owed. This timeline is especially important if your policy was issued through your employer and your claims are governed by ERISA. Contact us now.
Confusion is a hallmark of insurance claims. Our legal team will fight relentlessly to secure the insurance benefits you are legally owed. We will decipher your Reliance Standard insurance policy and interpret the terms of the policy to ensure your claim is successful. Call Donahue & Horrow LLP now, for a free consultation: (877) 664-5407. We look forward to hearing from you and helping you to receive the benefits that you are entitled to.