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American Red Cross Worker Sues Reliance Standard Life Insurance Company For Wrongful Termination of Long Term Disability Benefits

In Joanne C. Vs Reliance Standard Life Insurance Company, the Plaintiff seeks the reinstatement of her long term disability benefit payments as defined by the terms of the Plan.

The Plaintiff, with the help of her Michigan Disability Attorney, has filed this lawsuit against Reliance Standard Life Insurance Company (Reliance) due to the fact that Reliance failed to provide continuous long term disability benefits to the Plaintiff as promised under the terms of the Plan.


The Plaintiff, a 53-year-old resident of the County of Shiawassee in the State of Michigan, had worked at the American Red Cross in Lansing, Michigan until 2007. The Plaintiff suffers from chronic and intense and severe low back pain, right hip pain, and right leg pain. The Plaintiff had been determined to be disabled by the Social Security Administration and eligible to receive Social Security Disability benefits. The Plan was to entitle her to receive benefits until she reached 65 years of age. Reliance paid long term disability benefit payments through May 30, 2011. (If I am approved for Social Security Disability Benefits, does that mean the disability insurance company must approve my disability claim?)

Reliance Abruptly Terminates Further Long Term Disability Benefit Payments

After May 30, 2011, Reliance stopped paying long term disability benefit payments despite the fact that the Plaintiff’s condition had not improved and she did not yet reach age 65.

Plaintiff filed an appeal of this decision, but Reliance rejected her denial. Plaintiff filed a second appeal of the denial on August 17, 2011, but this appeal was also denied by Reliance, despite the fact that the Plaintiff provided substantial medical evidence that showed she still suffered from severe low back and hip pain. Due to the fact that the Plaintiff had exhausted all administrative remedies, Plaintiff filed this lawsuit against Reliance

Grounds for Lawsuit Filed Against Reliance

Plaintiff had been receiving the amount of $703.00 per month until her benefits were cut off on May 30, 2011. Reliance’s cutting off of Plaintiff’s benefits was arbitrary, capricious and against the great weight of the medical evidence that reaffirmed Plaintiff’s severe low back and hip condition.

Relief Sought By Plaintiff

In this lawsuit, the Plaintiff wants the following relief from Reliance:

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We represent Reliance 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 Reliance Standard disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Reliance 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 Reliance Standard.

How do you help Reliance Standard claimants?

Our lawyers help individuals that have either purchased a Reliance 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 Reliance 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.

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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.

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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.

Dell & Schaefer Client Reviews   *****

Robert C.

After being denied initially, I searched our local area for an attorney who specialized in disability claims and found none. I spoke to a couple law firms that said they had “experts” in ERISA claims but after talking with them I determined they were no experts. I did a search on the internet and found Dell & Schaefer (Thank God.) After one phone call with Steve Jessup I knew that I had the attorney I was looking for. He had the “backbone” to stand up to the insurance company and was not the least bit afraid of going toe to toe with them. We won our appeal and have hired Steve to continue to represent me for help with the benefit distribution process. I highly recommend Steve and his staff.

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