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A Claimants View of a Standard Insurance Company Disability Benefit Claim

We always welcome people reading our website to share their experiences regarding the handling of their disability insurance claim.

A reader recently posted her thoughts about the Standard Insurance Company application process for disability benefits.

I’m glad I stumbled on this website. I too have been struggling with The Standard Insurance Co. I have been diagnosed with Panic Disorder w/agoraphobia and also PTSD, and I believe major depressive disorder. I won’t go into the reasons in this forum because it is long, lengthy and painful. The diagnosis seems to be ongoing. The Standard has given me nothing but problems since I went on STD, to try to get treatment. I went on STD in 5/12, an tried to return to work after 3 months of treatment, but after trying to return to work at the job I had for the last 5 years I was unsuccessful, my condition only seemed to get worse. I lasted 2 months inconsistently.

I read something in a lot of previous guests on this website, regarding The Standard Insurance Co., something about a 2 year mark that seems to be consistent. My former employer, that I have this insurance through, insured me numerous times, that no, if a doctor states you cannot work, it’s until age 66. I don’t believe this at all with the problems that I have been having. I am applying for SSDI currently.

I started having severe panic attacks about 4 years ago, basically, I didn’t know what was happening to me and thought I was going to die, numerous times. I have always been a strong person, ran my own business and was always employed otherwise. After saying to myself “this will go away”, “I will get better”, it didn’t, I decided to finally go to a Mental Health Provider, referred by Kaiser. This has been a difficult process all in it’s self. I have always had a steady income all my life, and what I have to deal with as far as The Standard Insurance Co. has just made my condition worsen, when I’m just trying to get better.

I am hanging by their shoe strings now, as always, as they say my medical documentation it out for review. My Doctor has made it as clear as possible that I unable to work in the present and at least 6 months in the future (she also knows I’m applying for SSDI). Believe me, I have always been a hard worker, an outgoing person, and no work isn’t always fun, but I would give anything to feel better and be the person that I have been in the past and return to work.

People need to stand up against these crooks (The Standard Insurance Co.)… yes, I believe there are some people that try to cheat the system… and it only makes it more difficult for people that really need help.


Click here to learn more about The Standard Insurance Company and the disability claim process.

Comments (4)

  • Rolando,

    I would strongly advise you contact Standard to get a detailed explanation as to the above.

    Stephen Jessup Dec 4, 2015  #4

  • I currently returned to work after 5 weeks on disability.. apparently, Standard Insurance CO. were the ones handling my disability/absence from work after I became incapable of working due to an illness. They gave me three payments of a certain amount then, the fourth one was $50.0 short of the other payments.. if, that was surprise enough – the bank then reversed the payment and said the check was not approved. This Insurance Company never sent me a notice or called to inform me of why this happened and when I tried calling no one answered the phone. Also, I was out for 5 weeks and never got a fifth check which, I was counting on.. we pay into these benefits all our lives and this is what happens when it’s time for those to do the right thing.

    Rolando N. Dec 3, 2015  #3

  • Ramon,

    Standard is applying what is known as the National Economy standard to your occupation. It is a very common tactic employed by insurance companies. Please feel free to contact our office to discuss how we may be able to assist you in securing the benefit you’re entitled to.

    Stephen Jessup Dec 5, 2014  #2

  • I am currently off work with a severe shoulder issue. I filed a claim with The Standard for short term disability. They initially paid my benefit, however after about 4 weeks they began to try to find things to not continue the benefit. I am a Police Chief with a small agency (5 full time officers). My Dr. has said that I could not work without major restrictions, basically all desk duty. In a small agency the chief is also one of the officers for daily patrol functions as well, which would include interaction with the public and making arrests etc.

    With my last request for continuation I was denied, saying that my “JOB TITLE” is that of an office position. I have explained it to them as well as the City Manager explaining it to them, that my position requires that I interact with the public and criminal element on a daily basis. They said that their “vocational specialist” has told them that my position would compare with the same title of a major police agency LAPD, etc. I have never had to make a claim with them until now and am finding that they try to find ANY small reason to deny your claim. It is very sad for an honest hard working person to have to go with no income because they do not want to pay as they should. I would caution any potential employer to use The Standard Insurance company for their employees.

    Ramon Beltran Dec 4, 2014  #1

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Questions About Hiring Us

Do you help Standard claimants nationwide?

We represent Standard clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Standard disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Standard. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Standard.

How do you help Standard claimants?

Our lawyers help individuals that have either purchased a Standard long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Standard:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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Mary R.

I first started working with Dell & Schaefer after two failed back surgeries forced me to stop working. I was the major breadwinner of our family and had a very generous compensation package that included long term disability. I was certainly glad to know that I had the long term disability policy to help us during this major change in my family’s life. I was surprised to learn that long term disability means something very different to the insurance company (MetLife) who held my policy. They wanted to place an 18 month restriction on pay out and wash their hands of me. Hardly “long term”.

I hired Dell & Schaefer to fight for me and that they did. They were well schooled in the tactics of insurance companies and they expertly navigated the many barricades the insurance company placed in front of me. They were extremely knowledgeable in all areas of the law and quickly identified a course of action. They were fair and sensitive with my personal concerns and I always felt that I had an advocate on my side. Their experience proved invaluable as they were able to successfully argue my case and win my long term disability case, securing my benefit and my family’s income needs. And they continue to support me, as insurance companies continue to find ways to challenge the validity of your claim even after the initial decision is made in your favor.

Dell & Schaefer handles everything for me. This is an extraordinarily difficult thing I have had to endure. Without this money, I have no idea how my family would have been able to survive. Insurance companies can be brutal on individuals and when one is at their most vulnerable as I was, it is critical to have a knowledgeable and powerful attorney on your side. I like the fact that I don’t have to worry about anything and that everything is handled for me by Dell & Schaefer. I am glad to recommend Dell & Schaefer to anyone who needs a strong advocate on their side.

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