How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate resolution of the claim. Below are just a few of the tips we’ve discovered when negotiating long term disability insurance benefits with Reliance Standard.
#1: Medical Support is The Most Important Thing to Obtain a Reliance Standard Disability Approval
The single most important step in securing disability insurance claim approval is medical support from a claimant’s treatment providers. When you’re submitting a claim to Reliance Standard, it’s only as good as it looks on paper – which means there must be objective evidence, preferably medical records and physician statements, that you’re suffering from a condition that leaves you unable to work.
Most medical doctors aren’t prepared for the filter or spin the disability claims representatives will put on their comments. When your doctor is writing notes or filling out your chart, they’re focused on the pathology of your current condition and what will need to happen to get you better. They aren’t likely to provide details on how your condition affects you at work (or at home) or how long it’s likely to last. Because doctors’ notes don’t always line up with the information Reliance Standard is looking for, some otherwise worthy claims may be denied simply because the doctor’s notes don’t have the right verbiage.
#2: Your Treating Doctors Must be Prepared For A Phone Call With Reliance Standard Medical Experts
One way to overcome this common pitfall is to prepare your doctors for a phone call with one of Reliance Standard’s medical experts. Reliance Standard will be looking for direct evidence that your condition prevents you from performing one or more essential aspects of your current position. If your doctor isn’t sure what you do for a living or how much time you spend sitting, standing, lifting objects, or staring at a computer screen, they’re not going to be able to provide a valid opinion on how your condition affects you.
Furthermore, since doctors are busy and not always prompt about returning phone calls, a day or two of unsuccessful phone tag can mean Reliance Standard never hears directly from your doctor. Instead, set up a phone conference at a specific time as part of a medical appointment. This ensures your physician can connect with Reliance Standard and make sure it has a clear picture of what your condition means for you.
It’s also important for treating physicians to be educated on how a claimant’s Reliance Standard policy defines “disability.” For “own-occupation” policies, a claimant can be considered disabled if their condition prevents them from performing their current position. But in an “any-occupation” policy, a claimant will only be disabled if their condition prevents them from holding down any paid employment, which can be a much harder standard to meet.
#3: Occupational Experts Can Be Very Helpful in Establishing your Occupational Duties
“Own-occupation” and “any-occupation” policy definitions aren’t fixed, and many of Reliance Standard’s long term disability policies may begin paying benefits under an “own-occupation” standard and later switch to an “any-occupation” standard (often at the two-year mark). To continue receiving benefits, disability claimants may need to consult an occupational expert who can provide a roadmap to show exactly what the requirements are for a particular job.
#4: Know the Level of Review Your Claim File Will Receive
Reliance Standard can be anything but standard when it comes to reviewing a disability claimant’s file. In some cases, the insurance company will put the claim file through a fairly cursory internal review with a staff nurse or doctor who will recommend approving or denying the claim. Because the reviewer is directly employed by Reliance Standard, they have a vested interest in denying the claim – after all, the fewer long term disability claims Reliance Standard pays, the more profit it earns.
In other situations, Reliance Standard may send a file out for an “independent physician review,” where a physician employed by a different agency performs a review of your file. Because your file is only as good as it looks on paper at this point, it’s important to provide as much relevant information as possible.
#5: Your “Date of Disability” is Important
Determining your official date of disability can be more of a challenge than it may seem. This is even more true if your disability begins to cause problems during the “look-back” period of your long term disability policy. Most policies have a look-back period of anywhere from nine months to a year, which can mean that claims for any pre-existing conditions (or those that began to manifest before or during the look-back period) can be barred. To receive long term disability benefits from Reliance Standard, you’ll need to show that the onset of your disability occurred after the look-back period ended.
Regardless of where you are in your Reliance Standard disability claim, Dell & Schaefer can help. To get started, set up your FREE consultation with one of our attorneys today.
Resources to Help You Win Disability Benefits
Get Your Reliance Standard Disability Application Approved
Prevent a Reliance Standard Disability Benefit Denial
Negotiate a Reliance Standard Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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?
Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager
Reliance Standard overturns decision to deny long-term disability benefits to Paediatrician with Ovarian Cancer
Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal
Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records
After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect
Reliance's Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason
District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation
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.