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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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Questions About Hiring Us

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   *****


I was approved for LTD benefits through my group insurance carrier, but to later have my LTD benefits terminated by them as well. I felt totally defeated and devastated. My case at times, with the going back-and-forth with the insurance company was challenging to say the least, intimidating, extremely exhausting to the point there were many times I wanted to give up. My family and I determined that I needed an attorney who understood the complexity of my case, my medical condition and the various LTD and ERISA rights/laws. My family and I reached out to Dell & Schaefer to help assist me with my case, I spoke with Attorneys Dell & Schaefer about my case for an hour, they were very compassionate towards my family and I. My Attorney handled my case with the insurance company with a relentless and dogged determination. He thoroughly walked me through and explained the legal process and my options at each stage.

My attorney worked very hard on my case throughout the entire process, he took time to research and clearly understand my condition and reassure me and believed we had a chance to win my case from the start. If there were any potential roadblocks he notified me immediately. He kept my family and I up-to-date about my case, he called often to reassure me and/or check on how I was doing and to answer any questions I may have had. He was very prompt in returning calls and emails and sharing all correspondence with me from the insurance company from start-to-resolution.

My attorney’s professionalism, research and attention to detail was greatly appreciated. His perseverance and diligence was impressive. In addition, Vanessa Arriaga, was very thorough, reliable and driven to help me in every way possible. Ms. Arriaga provided outstanding dedication to my case, she provided me with prompt information in a timely manner, explained new information to me if my attorney wasn’t available, as well as if I called with additional information or questions she was patient, knowledgeable and provided personal attention and compassion.

My attorney demonstrates all the right traits a client looks for in an attorney, respect, honesty, hard work and integrity! Thank you for your helping me win my case and assisting me in the next chapter as a client.

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