• Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we’ve helped hundreds of clients recover long term disability benefits from Standard Disability.

What should you know about getting your Standard Disability long term disability claim approved?

Understanding the Language in Your Standard Disability Policy Is Essential

Getting your long term disability claim approved on the front end is much easier (and quicker) than having to provide supplemental information to appeal a denial letter. Because of this, it’s important to do your homework (and get some legal advice) early in the process so that you understand the coverage language in your Standard disability policy and know what documents you’ll need to support your claim.

Strong and Consistent Doctor Support Must be Obtained For Disability Claim Approval

One thing we’ve consistently noticed when handling Standard long term disability insurance policies is that doctors and medical providers often don’t naturally use the terminology the disability insurance carrier is looking for. Your doctor is focused on treating you and improving your condition, not logging how your condition affects your work life – and as a result, Standard may not see what it feels it needs to see to approve your long term disability claim.

Instead, it’s important to carefully review the disability claim form before speaking with your doctor. Claimants also can benefit from consulting an experienced long term disability attorney (like a member of the team at Dell & Schaefer) to learn more about the claims process and how your doctor(s) will need to fill out your claim form. Often, the form itself doesn’t include enough space to fully explain a disabling condition, and preparing a doctor’s addendum can be a good way to work around that. Your doctor may have to change or tweak the way they draft your medical records so that these records are in line with what Standard is looking for.

Your Medical Records Must Document all of Your Symptoms, Complaints and Limitations

There aren’t many conditions that are automatically disabling in and of themselves. In many cases, a disability claim will be approved only if the claimant’s specific symptoms and limitations conflict with their job duties. For example, someone with rotator cuff issues who can’t lift anything more than 10 pounds may no longer be able to work as a mail carrier, but might still be able to perform a sedentary job.

To secure the approval of your long term disability claim, your medical records must truthfully and thoroughly document all the symptoms and limitations you’re experiencing, with an eye toward the general duties that are common in your position. This can help connect the dots for the insurance carrier and make it easier to have your claim approved.

The Definition of “Disability” in The Standard Policy is not Always “Own Occupation”

Another reason it’s so important to understand the specific terms of your disability insurance policy is when it comes to defining “disability.” Not all policies are written to define disability the same way, and your ability to continue receiving benefits under your policy will often depend on whether the policy provides coverage for an inability to perform your current job or an inability to perform any job. The disability insurance  attorneys at Dell & Schaefer can help you make sense of your policy and give you the tools you need to have your claim approved. Give us a call today to set up your FREE consultation with a member of our team.

There is one comment so far

  • I have a Short Term Disability Claim with Standard that was approved, and my physician has provided them an Attending Physician’s Statement and a Physician’s Report – Musculoskeletal form that says he anticipates my return to work on 3/6/2022 due to “embolism and thrombosis of the lower extremities/polycythemia” and states “difficulty walking”. However, I just received a letter from Standard that states:

    “Based on the information in your claim file, your STD Benefits will end on January 30, 2022. The medical information in your file does not provide us with documentation that your medical condition will be disabling beyond January 30, 2022. We need more information to decide if your STD Benefits can continue after this date. If there are medical reasons why you cannot work after January 30, 2022, please have your doctor provide us with information that documents why your medical condition prevents you from returning to work. This information includes your: Diagnosis, Temporary or Permanent Impairment, Work Restrictions, Medications which preclude your return to work, Dates of and type of treatment. Please complete and return the following: Medical Questionnaire, Physician’s Report Musculoskeletal.”

    Since I already provided Standard the two forms they asked for earlier which preclude me from work through 3/6/2022, how can they end my benefits on 1/30/2022? My next physician appointment isn’t until February.

    I noticed that this website states “At Dell & Schaefer, we handle every aspect of the disability claims process and can assist in preparing the claim forms, physician’s statements, and other documents that Standard will consider when approving or denying a claim for benefits.” I recently had a very informative phone consultation with your firm, but feel I now need assistance in providing sufficient documentation for my Standard claim. Can you help? Thanks in advance.

    Marc Jan 5, 2022  #1

Leave a comment or ask us a question

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.

Dell & Schaefer Client Reviews   *****

Daniel G. (Illinois)

I am so grateful to Rachel Alters and her staff for helping me with my uncle’s claim! She was amazing. This was a very difficult case, because my uncle was mentally disabled. He had failed to immediately make a claim, because he was too disabled to even do the simplest of tasks. As soon as I found out about my uncle’s disability policy, I called several attorneys. They were hesitant to work with my uncle, because of the extensive work involved with backdating his claim. I then called Dell & Schaefer and it was one of the best decisions that I have ever made. They patched me through to Rachel Alters and the rest is history.

She worked diligently to backdate my uncle’s claim and to secure his rights to future disability payments. We still have a long road ahead of us with regards to my uncle’s disability, but I am so grateful to her for securing his right to disability payments. We will be able to use this money to make sure that he gets the health care that he needs.

Disability insurance is a complex business. As an attorney myself, I can tell you that when it comes to disability insurance, you really need somebody in your corner to make sure that your rights are protected. There is nobody that I would rather have in my corner than Rachel Alters.

***** 5 stars based on 202 reviews

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