• Reliastar & ING Disability Benefit Claims, Denial, Appeals and Lawsuit Claim Tips from LawyersReliastar & ING Disability Benefit Claims, Denial, Appeals and Lawsuit Claim Tips from Lawyers

Group Health Plan Inc’s Actuary sues Reliastar Life Insurance Company and ING Disability Claims Management Services for recovery of disability benefits under The Ramsey Health Care Services Short Term Disability Plan

A disability attorney recently filed a lawsuit on behalf of a client against the Reliastar Life Insurance Company and ING Disability Claims Management Services (Reliastar & ING) for denying her claim for short term disability benefits. The case against Ramsey Health Care Services Short Term Disability Plan, Reliastar Life Insurance Company, and ING Disability Claims Management Services was filed at the District Court for the District of Minnesota. This case was not handled by our law firm.

The Facts of the Case

The plaintiff was employed as an Associate Actuary by Group Health Plan Inc. She was a participant in a self funded employee benefit Plan called the “Ramsey Health Care Services Short Term Disability Plan” which was governed by the Employee Retirement Income Security Act of 1974 (ERISA). The Reliastar Life Insurance Company (Reliastar) acted as the claim paying agent of the Plan while ING Disability Claims Management Services (lNG) acted as the decision making unit for the plans administered by Reliastar.

Under the terms of the Plan, the plaintiff was considered “totally disabled” if she was unable to do the essential duties of her own occupation, because of sickness or injury. The Plan provided for disability income benefits in the event of disability of either 60 percent of the plaintiff’s weekly earnings or $3,750, minus other income, whichever is the lesser amount.

Claim and Denial of Disability Benefits Income>

On February 20th 2009, the plaintiff became disabled and was unable to perform the essential duties of her own occupation. Under the terms of the Plan, before the plaintiff qualifies to receive any benefits, she was required to be continuously disabled for seven (7) days. Hence, the plaintiff submitted a claim for disability income benefit under the Plan in March 2009. In the lawsuit, the plaintiff stated that Reliastar & ING wrongfully denied her application for disability income benefits. With her final appeal on November 3rd 2010, the plaintiff stated that she had exhausted all her administrative remedies under the Plan.

Disability Lawyer Files Lawsuit Against Reliastar and ING

In the lawsuit, the plaintiff stated that she was entitled to recover benefits due under the terms of the Plan, to enforce her rights under the terms of the Plan, and to clarify her right to future benefits under the Plan under ERISA. She also argued that Reliastar & ING had breached their contract by failing to pay disability income benefits to which the plaintiff was entitled to under the terms of the Plan.

In addition, the plaintiff also alleged that Reliastar & ING being fiduciaries had failed breached their fiduciary duties by:

Relief Sought by the Plaintiff

As a result of Reliastar & ING’s actions, the plaintiff alleged that she had sustained damages and is seeking relief through Court for:

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FAQ

Do you help ING claimants nationwide?

We represent ING 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 ING disability insurance policy?

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

How do you help ING claimants?

Our lawyers help individuals that have either purchased a ING 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 ING:

  • 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   *****

Maria K.

It was a great experience I had with the whole team. Whoever I worked with through out the whole process was very responsive, detail and time sensitive. The cost arrangement was discussed up front so I knew exactly what my cost would be. My case was discussed in person, all the documentation I had available, I provided. Some specific statements were requested of me, friends and family. It was reviewed by Dell & Schaefer and it was determined that I had a strong case.

The appeal was submitted before the deadline and I had a copy of it to review. I was very pleased of the whole content of the submission. I read all the strong points of the appeal and I knew at that point that it was a very strong appeal case and one way or another Dell & Schaefer would win the case. It was a matter of principal for me and I feel that I got my point across to my employer. I could’ve waited to go through a trial but I did not because I really did not want to have this issue hanging over me any longer so agreed to settle my case.

They are very detailed, responsive, up-front, they tell you if you have a strong case, tell you the angle that they’ll use to go after your case, get all the appropriate documentation so as to back-up everything they say, they are time sensitive and keep you updated as time goes by. They are a great team! I had my concerns at first because they are not local but they gave me all the time I needed to have any discussions and ask any questions.

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