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  • How to File a Reliance Standard Disability Appeal Following a Long Term Disability Benefit Denial
  • Reliance Standard Life Insurance - Disability Benefit Claim Attorneys-Appeals, Lawsuits and Claims
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City University Of Medicine & Bioscience former employee disabled by back disorder sues Reliance Standard Life Insurance Company for denial of disability benefits

Back pain is one of the leading causes of claims for long term disability benefits against disability insurance companies. However, claimants of disability insurance benefits who are suffering from back disorders often have an uphill task in trying to claim their disability benefits from Disability Insurance Companies. This is because disability insurance companies can try to deny the claims of individuals who are suffering from back disorders by claiming there is no objective medical evidence to support a claimant’s subjective complaints of back pain. Hence, it is not surprising that we often see lawsuits filed against disability insurance companies from individuals disabled by chronic back pain. In fact, a recent disability lawsuit was filed against Reliance Standard Life Insurance Company by an individual with a back disorder.

Reliance Standard Life Insurance Company Disability Claim Denial Lawsuit

In the case of Glynda F. Sharp v Reliance Standard Life Insurance Company, the plaintiff Glynda F. Sharp filed a lawsuit against Reliance Standard Life Insurance Company (Reliance Life) through her Kansas City disability attorney at the District court for the Western District of Missouri. Ms. Sharp was the Director of Operations for the Office of Research at the Kansas City University of Medicine & Bioscience. While employed there, she participated in the long term disability plan sponsored by her employer.

On February 27th 2009, she was terminated from her job due to her disability caused by her back disorder. She suffered from severe degenerative disk disease, spinal stenosis, chronic low back pain, bilateral lower extremity pain, parasthesias, spondylosis, disc displacement, lumbosacral radiculitis, sacrolitis and lumber facet joint arthritis. From august 26th to November 20th 2009, she received LTD benefits from Reliance Life as Reliance Life had determined her to be totally disabled under her policy. Nevertheless, on November 20th 2009, Reliance Life terminated her LTD benefits even though her physical and medical conditions had not changed.

Her appeal on March 13th 2010 was denied. A physician employed by Reliance Life, after examining her for just 15 minutes, concluded that Ms. Sharp was capable of employment under restricted conditions. Ms. Sharp had tried to use medication to lessen her pain but it had proven unsuccessful. The overall prognosis of Reliance Life’s physician was that Ms. Sharp was capable of handling the intense pain that she felt while being in a seated position. Her final appeal was denied on May 18th 2010 by Reliance Life. Despite the Social Security Administration (SSA) finding Ms. Sharp to be totally disabled, Reliance Life still denied disability benefits to Ms. Sharp.

There is one comment so far

  • Wow this could be me. However rather then fight my employer/insurance company when my job was outsourced, I was laid off, and my benefits terminated. I did not tell my employer I had filed for SSD while on disability after 5 surgeries in a year. I chose to fight that battle instead and in 2007 received full benefits and 4 years back pay. I submitted the SS law judge determination to my employer and then to CIGNA and 6 weeks later they reinstated my long term disability and made my pay retroactive. But only as secondary to SSD. And they did not reinstate my employee benefits of medical insurance and retirement. I just keep getting the response that they are not set up to do that. Today they offered a lump sum settlement. I still have 14 years to collect. They thought I would actually take 2/3 of 2/3. The employment rehabilitative representative that was present at my hearing agreed with the judge that I was unable to work full time even in the most basic of jobs. Medications, lack of sleep, the exact same health reasons as stated above (with a few more) were the basis for this determination. Perhaps you can use my case to win this persons case?

    Judy Zedalis Jun 9, 2011  #1

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Do you help Reliance Standard claimants nationwide?

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.

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   *****

Patrick J.

My experience with Dell & Schaefer began after a prolonged and frustrating experience with my disability carrier subsequent to contracting an illness which left me incapacitated. As a few examples of the frustration I am referencing: I had been accused by the ‘doctors’ appointed by my carrier to review my case as being a narcissistic fraud; the carrier sent a man to my home in the country unannounced to interview me (while I was not there but my wife and small children were); the carrier seemed to be fighting my doctor’s diagnosis and statement regarding my disability and illness; the carrier was not communicating well with me and was being cryptic with responses to legitimate questions.

I finally was so stressed from what should have been a simple process, and exhausted from the emotional and mental toll of filing a claim, that I was about to give up in the interest of maintaining what little health I had left and not wasting it fighting my carrier. I reached out to Greg Dell and he immediately set up a time to talk with Stephen Jessup and himself. I told them I just couldn’t keep managing the process – that the fight was taking its toll and I was inclined to either ‘tap out’ or quit altogether. After reviewing my case they were more than happy to drive their tank into the battle which I had been fighting with a handgun (Mr. Dell’s example). I signed with Dell & Schaefer, and suffice it to say this ‘tank’ comment seems to have been true as the very same day my carrier received the letter from Dell & Schaefer saying I had engaged their services is the same day my claim was approved.

I was curious to see how service would be after they had me contractually obligated to them. I have been impressed on this front as well. Every effort to correspond receives a response within 24 hours. Mr. Jessup is my primary contact and I have received more than one personal note from him encouraging me as I battle my illness; I believe that he really does care beyond just the financial interest the firm has in my case. On the business side of my interaction with them, I have been impressed with the thoroughness and timeliness of all responses – no matter how unimportant they might seem to Mr. Jessup. On the occasion when a question is more administrative in nature and Mr. Jessup or Mr. Dell need to defer to one of their staff, the staff is equally as timely and thorough and professional in their responses.

The stress and frustration of dealing with my carrier are gone; this benefit in and of itself is priceless. To add, I feel the benefit I gain from having Dell & Schaefer as my advocates makes their fees seem to be an excellent value.

***** 5 stars based on 202 reviews

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