Question

How should I best prepare for my 5-year review with Reliance Standard? Does "own" occupation turn into "any" occupation at this point?

Asked on November 13th 2013 by DPC
I have a chronic genetic autoimmune neuromuscular disease. I am currently on Reliance Standard LTD and have been for four years. November 2014 is my five year review. I have been reading on your website about “own” vs “any” occupation. I am a registered nurse and held very high positions in research and development. Does Own turn into Any at that five year point? What can I do to prevent being denied? I am keeping a daily diary with simple entries of pain levels, could I get out of be, etc. RS has sent out spy tactics in the past and found nothing except my struggles to walk in and out of dr.’s office. I am on SSDI. My pain is controlled by a specialist and due to the nature of my disease I can be up one day and find myself in bed fatigued for weeks at a time. I understand that perhaps I shouldn’t Facebook, but I do with simple words of encouragement. I am concerned about the five year review. I have had no problems thus far as RS has over. 7000 pages documenting my disease, increasing pain levels, decreasing coordination, myoclonus , etc. Can you pls give me ways to prepare besides my pictorial diary of body changes, written diary, and 3 month visits to my specialists? Thank you in advance. I don’t wish to worry for the next 12 months on top of dealing with my condition as stress is dangerous and causes exacerbations making my life more difficult.

Answer

Answered on November 14th 2013 by Attorney Stephen Jessup

DPC, without the policy I would not be able to advise you as to when your own to any occupation review begins. Typically, most policies are only written with a 2 year own occupation period. Please feel free to contact our office to discuss how we may be able to assist you with the handling of your claim.