Standard Insurance Company
View Disability Cases With Standard Insurance Company
Post or View Comments About Standard Insurance Company (11 comments)
The Standard is one of the largest providers of both individual and group long-term disability insurance policies. Attorneys Dell & Schaefer have taken the depositions of numerous employees at Standard and we are familiar with all of their disability insurance claims handling tactics.
In 1906, a German immigrant named Leo Samuel founded the company that would become The Standard, in Portland, Oregon, where it still remains headquartered. In 1946 the company name was changed to Standard Insurance Company. Then in 1998, StanCorp Financial Group, Inc. was created as the holding company for all the business divisions of the company.
StanCorp’s Standard Insurance purchased part of Teachers Insurance and Annuity Association (TIAA) group life and disability portfolio in 2002 for $75 million. Later in 2006, the company purchased investment services firm Invesmart for $85 million. In 2007, StanCorp purchased several retirement plan administrators in July 2007 to add to their Retirement Services division
StanCorp Financial Group, Inc., through its subsidiaries marketed as The Standard. Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, StanCorp Mortgage Investors, StanCorp Investment Advisers, StanCorp Equities, StanCorp Real Estate, and StanCorp Trust Company is a leading provider of financial products and services. StanCorp offers primarily insurance products serving employers. These include group dental, life, disability, and accidental death and dismemberment policies. They also offer policies for individuals for disability, retirement plans, and annuities.
StanCorp’s subsidiaries serve approximately 8.5 million customers nationwide. In July 2009 Stan Corp reported net income for the second quarter of 2009 of $56.3 million with $20.44 billion in assets.
Disability Attorneys Dell & Schaefer have provided and offer the following legal services for disability claimants that have a long-term disability insurance policy or disability income policy purchased from Standard:
- Application for long-term disability benefits with Standard
- Application for short-term disability benefits with Standard
- Monthly claim handling of Standard long-term disability insurance claims
- Appeal of a Standard denial of long-term disability benefits
- ERISA appeal of a Standard denial of long-term disability benefits
- Lawsuit against Standard for denial of long-term disability benefits
- Lump-sum buyout of a Standard long-term disability insurance policy
- Department of Insurance complaints against Standard for wrongful delay and denial of long-term disability benefits
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- Medical Secretary suffering from “failed back syndrome” and leukemia sues The Standard Insurance Company for disability benefit denial
- Oregon Judge orders Standard Insurance Company to pay disability insurance benefits beyond the 24 month mental disorder limitation
- Standard Insurance Company’s attempt to dismiss disability insurance lawsuit is denied in-part by Florida Federal Judge
- California disability attorney sues Standard Insurance Company for denial of long term disability benefits payments to paraplegic
- Standard Insurance Company reverses disability insurance denial for a disabled lawyer
- If You Can Afford It, Then You Should Only Buy An Individual Disability Insurance Policy
- Disability lawsuit filed against The Standard Insurance Company for denial of disability benefits to man suffering with hepatitis C
- Standard denies disability insurance benefits to woman with brain hemorrhage and headaches
- The Standard Disability Insurance Company paid one doctor $577,000 to review 1,939 files over 2 years
- Dentist and doctors: beware of the Standard Insurance Company Group’s long-term disability policy
- Standard Insurance denies disability claim to a wheelchair bound woman
- Standard Insurance Company’s denial of long-term disability benefits to an attorney is reversed by federal court
- The Standard Insurance Company loses their battle to enforce discretionary clauses in long-term disability policies
- Court upholds Standard Insurance Company’s denial of disability benefits, despite claimant’s approval of social security disability benefits
- The Standard Disability Insurance Company loses motion to prevent Attorneys Dell & Schaefer from deposing six of the Standard’s employees
- The Standard Insurance Company’s denial of disability benefits is reversed on appeal
- Standard’s decision to deny doctor’s disability benefits due to the 24-month mental/nervous limitation upheld
- Court upheld Standard’s decision to deny disability benefits
They try hard to knock you off. One time they knocked me off for making $20 too much in 2006 by disallowing deductions the IRS allowed. They told me they were going to teach me a lesson before they did it. I hired a lawyer and an accountant but I finally had to tell both of them what to say and do and to do exactly how I told them to do it. It finally after 2 1/2 years was passed on to a third party who laughed and ruled in my favor and I was reinstated. Another time I was told I had to go through a physical. I asked what they were going to have me do. The Standard employee said she didn’t know. I called the facility and they listed off some activities one of which was a tread mill. I said, “My doctor doesn’t even have me do that.” My body is rejecting my heart. The PT asked if I was coming. I said, “By all means. My daughter needs her student loans paid off and I will either fall and break bones or I will go into cardiac arrest.” I called my claims advisor and told her the same. The next day she cancelled by e-mail, snail mail and a message on my answering machine.
The Standard also had someone do surveillance on me for a week. I saw them parked in the street and went to them and asked if they needed any help. They said they were doing surveillance and I though there was someone getting a divorce, but I found out years later when my attorney obtained all of their records that I was the one they were watching. Boring me was only going to the doctors and then to church 4 times every week. They said I must be employed by the church and went there to investigate and found I was just attending church, so they left me alone that year. Boring!
Deborah, I am sorry to hear about the experiences you have had over the past 5 years with the Standard Insurance Company. I am glad to hear that you were able to resolve your issues and that you continue to receive disability payments.
I was approved for STD. My request clearly stated my reason was for Fibromyalgia, C-spine herniation, and osteoarthritis. My LTD was denied because “my job” was sedentary. I had my Doc, who I also worked with, submit a letter stating my job was not sedentary and she agreed I should be off work. Still denied. I am now working on a bad faith claim…
I was on long term disability with Standard for two years due to depression, stress, and high blood pressure. They discontinued my benefits as they state the proximate cause of my uncontrolled blood pressure health issue was my mental state, and since their policy only covered mental health issues for two years they discontinued the disability payments. This effected my group health insurance as my employer will not longer allow for the health plan coverage. My medicals primarily for my uncontrolled blood pressure issue will run $700.00 a month or more, and now I cannot see my Cardiologist due to no group insurance.
Sandra, if your primary disability is physical and not mental, then it may be wrong for The Standard to limit your benefit to 2 years. We would need to review your denial letter and policy in order to determine the appropriate action to take.
I am on disability for mental health reasons and the Standard only insures mental health for 2 years max so in January 2012 my case will be closed. Why does a physical disability get lifetime coverage when a mental health situation gets only 2 years. Isn’t there a parity law in California and federally. Do I have any chance of fighting their stance on mental health and being treated as the law says on an equal footing with physical health.
Clare,
If your disability policy has the two year mental nervous limitation, then there is no case law I am aware of which supports your ability to challenge it.
The Standard is screwing around with us in Oregon too Yo! I am a Correctional Officer (the hidden Cops that really protect the public from the criminals) for eight and a half years with the State of Oregon, Two Rivers Correctional Institution. I was injured on the job, but terminated for a lack of attendance which was directly related to the progressive injuries. I qualified for Short, then Long Term Disability Benefits. But after two years (24 months) It is the standards’ opinion that I can work a “sedentary” job at a parts store or something similar. I had a career man, I was making a difference, I was helping people for real!! Now I’m homeless, with no income. How am i supposed to live off 6-8 hours a week, minimum wage? I don’t even know for sure if I am physically capable of working that many hours (guesstimate). Who/where do we turn to in Oregon???
My father started with STD then it switched over to LTD. He had it for about two years and Standard was threatening to take him off if he didn’t file for social security benefits. He finally did, scared to lose the income, then when he received a check from SSI, Standard said you owe us and took the whole check. Then SSI sent a check for one of the dependents and Standard is now withholding it from my dad’s paycheck, even-though they NEVER gave any money towards the dependent! They say it’s our policy and you have to give us that money, since we pay for your LTD! So the dependent was left with no money! Does anyone know if you can switch back just to Standard and not Standard and SSI?
Lana,
Even if you drop SSDI then Standard will still offset the benefit.