Question
Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?
I’ve been on LTD with Reliance Standard for over 10 years. I have chronic migraines and see a pain management specialist, a neurologist, and a primary care doc. I have see no less than 20 physicians and specialists including going to a headache specialist and multiple neurologists. All of them, including a IME conclude my diagnosis and inability to work. I received SSD without an appeal because of all the evidence and medical records. Reliance has harassed me constantly and now wants “headache logs.” I’ve used headache logs many times in the past with my physicians but I’m so far past that in terms of pain management that they are pointless. Am I required to give Reliance headache logs? They have enough info with just my massive amounts of medical logs, treatments, meds.
Answer
Fred, I am sorry to hear all that you have been through medically and in dealing with Reliance Standard. Unfortunately, it is likely best to provide the headache logs that they are requesting. Whether they have enough information is subjective and you always want to keep the insurance company well fed with as much proof of your claim as possible. I believe ignoring their request might be detrimental to your claim. Please keep in mind that they may use the headache log in conjunction with surveillance of you to ensure that your reported headache and activity of that day matches. We are always available for a free consultation should you wish to discuss this further.
