Reliance Standard Overturns Its Decision to Deny; Dell Disability Lawyers Client Will Again Receive Long Term Disability Benefits
Previously employed as a Store Manager for Victoria’s Secret, our eventual client was forced to leave her position on July 8, 2009 due to numerous issues with her back, neck, hands, arms and feet. Her conditioned included severe and progressive Chronic Low Back Pain with Radiation to the Lower Extremities, Lumbar Degenerative Disc Disease, Lumbar Post Laminectomy Syndrome, Lumbar Strain, Lumbar Scoliosis, L5/S1 Disc Bulge, Lumbosacral Neuritis, Peripheral Edema, Left Breast Infiltrating Ductal Carcinoma, Left Renal Nephrolithiasis, Bilateral Hip Pain, Left Hip Bursitis, Bilateral Buttock Pain, Groin Pain, Sacroiliitis, Left Knee Pain, Bilateral Foot Pain, Chronic Neck Pain, Cervical Spine Degenerative Disc Disease, Cervicalgia, Type 2 Diabetes Mellitus, Peripheral Vascular Disease, Hypertension, Hypercholesterolemia, Headaches/Migraines, Dizziness, Insomnia, Memory Loss, Depression and Anxiety.
Luckily for our client, her employment provided her with Long Term Disability (LTD) insurance coverage with Reliance Standard under the Limited Brands, Inc. Long Term Disability Policy. For the first 12 months of her claim, this policy would provide for disability benefits should our client prove to the insurance company that she is unable to perform the material duties of her regular occupation. After benefits are paid for 12 months, benefits will only continue if she was then able to prove that she cannot perform the material duties of any occupation that her education, training or experience will reasonably allow. This is what is known as the “change in definition of disability” and is present in most ERISA Group Disability Insurance Policies.
After first leaving work our client applied for and was approved for LTD benefits by Reliance Standard. Reliance Standard paid her LTD benefits from August 7, 2009 through August 6, 2010 under the “regular occupation” definition of disability. From August 7, 2010 through August 31, 2013, the insurance company also paid her under the “any occupation” definition of disability. Unfortunately for our eventual client, by way of a letter dated October 3, 2013, she was informed by Reliance Standard that her claim would be closed beyond August 31, 2013.
In its denial letter of October 3, 2013, Reliance Standard informed our client that it “determined that (she) retained the ability to perform the material duties of Any Occupation.” Reliance Standard opined that “there are no noted complications or ongoing medical conditions that would support” her doctor’s given restrictions, and also argued that the “medical information does not provide a clear indication of a condition to the severity that would preclude (her) from working.” As such, Reliance Standard denied any benefits beyond August 31, 2013 and closed her claim.
Claimant Contacts Dell Disability Lawyers
Prior to even receiving the denial letter of Reliance Standard, the client came into contact with Attorney Alexander Palamara of Dell Disability Lawyers on September 30, 2013. Within a few days thereafter, Reliance Standard’s denial letter was received and within a few days after that, the client hired Dell Disability Lawyers to represent her on her claim. This early contact allowed her lawyers to have the luxury of potentially using the full 180 day period ERISA provided to file the strongest appeal possible to overturn Reliance’s Decision.
The Administrative Appeal
Armed with a history of supportive physicians and objective findings, the administrative appeal filed by Lawyer Alexander Palamara was easily able to document the errors of Reliance Standard’s review and its overall conclusion.
On July 10, 2014, Reliance Standard informed Dell Disability Lawyers that its administrative appeal was successful and that the client would be placed back on claim. A back benefit check for the period of September 1, 2013 through the present would be forthcoming, as well as monthly disability benefit checks thereafter.
The lawyers of the law firm of Dell Disability Lawyers will continue to work on her claim to assure her receipt of benefits until her policy expires when she turns age 66 and 4 months.
If your claim has been denied or if you have a fear that Reliance Standard or any long term disability insurer might be planning to deny your claim, please do not hesitate to call Dell Disability Lawyers for a free consultation to discuss your case.
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Policy Holder Rating
Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.
Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.
I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.
Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.
The appeals process with Reliance Standard is very frustrating. I'm not sure how to get an answer from them.
Reliance Standard is trying to reduce my LTD benefits because of once-a-month work in the military reserve.
Q: Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?
Q: If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.