Reliance Standard Ratings & Reviews

1.6 out of 5
Read 47 reviews
0%would recommend
Timely Payments
1.9out of 5
Handling Claim
1.9out of 5
Customer Service
2.2out of 5
2.0out of 5
2.1out of 5
Showing 20 of 47 Reviews
Reliance Standard

Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.

Reviewed by Ken S. on February 11th 2021   Verified Policyholder
Hello, I have a LTD policy with Reliance Standard and it has been paid (considered disabled) for 14 plus years. However, due to limited doctors visits / records this past ... read more >
Sent on February 11th 2021 by Attorney Cesar Gavidia

Ken, it’s important to ensure that if your claim is denied your Appeal be exhaustive, comprehensive, and contain not only all of your relevant medical records, but th... read more >

Reliance Standard

Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.

Reviewed by Jeff S. on July 7th 2020   Verified Policyholder
It should be criminal that this company treats sick people like this who just want PTO be left alone! I received a call from Reliance on 7/6/20 cutting me off after 1 year... read more >
Sent on July 7th 2020 by Attorney Stephen Jessup

Jeff, in my opinion Reliance Standard is one of the more difficult insurance companies to deal with. What you are experiencing they do day in, day out. You can certainl... read more >

Reliance Standard

Reliance Standard notified me that my benefits were being stopped with no warning or reason.

Reviewed by Deborah S. on June 5th 2020   Verified Policyholder
Horrible company! Phoned me on June 4th to let me know that I would no longer be receiving benefits as of June 3rd. Just like that! No questions asked and no info given!
Sent on June 5th 2020 by Attorney Gregory Dell

Deborah, I am sorry to hear of the denial of your claim and how you were provided no notice of an immediate end of your income. Please contact us at once for a free con... read more >

Reliance Standard

I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.

Reviewed by Mary Anne B. on March 3rd 2020   Verified Policyholder
I was diagnosed stage 2 breast cancer June 2015 and went out on std with Reliance. Within 4 months following my status changed to stage 4 with Mets to my spine. STD conver... read more >
Sent on March 3rd 2020 by Attorney Stephen Jessup

Mary Anne, your recourse would be to go through the administrative appeal process and if that is denied to file lawsuit. Please contact our office to discuss the denial... read more >

Reliance Standard

Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.

Reviewed by Chrystall on July 5th 2017   Verified Policyholder
I have been on STDI since April 28th, 2017 and I have only received what they say is a “courtesy payment” because they know the hardship which I am facing. I call mult... read more >
Sent on July 5th 2017 by Attorney Stephen Jessup

Chrystall, please feel free to contact our office to discuss your claim. Needless to say, the carrier is well beyond the typical timeframe to render a decision on a STD... read more >

Reliance Standard

Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend.

Reviewed by Wendy on April 4th 2017   Verified Policyholder
In August 2016 my boyfriend was placed on disability by his family physician. A short background, he is a type I Diabetic since age 4 and had to have multiple lumbar back ... read more >
Sent on April 4th 2017 by Attorney Stephen Jessup

Wendy, please contact our office to discuss the claim further. Decisions on long term disability claim applications should only take about 45-60 days. If the claim is d... read more >

Reliance Standard

The appeals process with Reliance Standard is very frustrating. I'm not sure how to get an answer from them.

Reviewed by Rachel on October 23rd 2016   Verified Policyholder
I started with Reliance Standard when i had surgery 4/13, complications in surgery caused my recover last longer and brought my Lupus out of remission. I stayed on STD wit... read more >
Sent on October 23rd 2016 by Attorney Stephen Jessup

Rachel, if your claim was denied and your appeal already submitted there may be little that can be done until such time that RSL renders a decision on your appeal, whic... read more >

Reliance Standard

Reliance Standard is trying to reduce my LTD benefits because of once-a-month work in the military reserve.

Reviewed by Drake on May 23rd 2016   Verified Policyholder
I have had LTD with Reliance Standard since 2006. I had to jump through all the required social security applications until I was lucky approved after 2 denials by an Admi... read more >
Sent on May 23rd 2016 by Attorney Stephen Jessup

Drake, please feel free to contact our office to discuss. Have they sent any correspondence regarding same?

Reliance Standard

Even though my spinal illness is very well-documented, Reliance Standard has yet to transfer me to LTD.

Reviewed by Mary T. on April 1st 2016   Verified Policyholder
On Oct. 12, 2015, I submitted a dual STD/LTD claim with Reliance Standard due to the continuing decline of my congenital spinal stenosis compounded by spinal DJD and psori... read more >
Sent on April 1st 2016 by Attorney Stephen Jessup

Mary, please contact our office to discuss your claim. Typically a claim for LTD benefits is to be made in 60-90 days, which depending on when the review process began ... read more >

Reliance Standard

Reliance Standard pays measly benefits at the cost of constant requests for paperwork.

Reviewed by Brian H. on February 16th 2016   Verified Policyholder
I have been approved for social security disability also reliance standard approved me for long term disability went from short term with them at a rate of $1200 a month t... read more >
Sent on February 16th 2016 by Attorney Stephen Jessup

Brian, you are unfortunately not alone in your experience. Due to the fact that disability benefits are determined on a month to month basis, Reliance Standard (and all... read more >

Reliance Standard

Reliance Standard is attempting to doctor shop and send me to an unqualified specialist.

Reviewed by Steve on January 20th 2016   Verified Policyholder
I was bitten by a black legged tick (ixodes pacificus) while working on the job at the Nevada Test Site in 2004. Only after I tested positive for Lyme disease and 2 co-inf... read more >
Sent on January 20th 2016 by Attorney Stephen Jessup

Steve, as it appears that your claim is for Worker’s Compensation and not for benefits under a disability insurance policy, you will need to consult with an attorney ... read more >

Reliance Standard

Reliance Standard is inconsistent with their payments.

Reviewed by Drew S. on December 3rd 2015   Verified Policyholder
It’s been 2 1/2 yrs since I lost my right leg. Seems Reliance does not pay on a regular schedule. I’m so upset dealing with their bull. Why don’t we all file a major... read more >
Sent on December 3rd 2015 by Attorney Stephen Jessup

Drew, please feel free to contact our office if you have questions regarding your issue. If you have been on claim 2.5 years Reliance may be reviewing your claim for a ... read more >

Reliance Standard

Is it worth keeping up with all of the paperwork when Reliance Standard is only giving me $100 a month?

Reviewed by DM on November 13th 2015   Verified Policyholder
I have been determine totally disabled by my doctors in 2010 and approved SSI I even gave Reliance the back pay money SSI sent me. I have been receiving 100.00 from Relian... read more >
Sent on November 13th 2015 by Attorney Stephen Jessup

DM, Reliance can request updated information to continue its review of your claim- that being said, it is really a matter if you do want to deal with that for $100.00. ... read more >

Reliance Standard

Reliance Standard unfairly denied my LTD claim due to a pre-existing condition.

Reviewed by Toni on August 31st 2015   Verified Policyholder
Reliance Standard denied me LTD due to a pre-existing condition. I did appeal this decision and they still denied me. When I appealed, it was not just one diagnosis but it... read more >
Sent on August 31st 2015 by Attorney Stephen Jessup

Toni, unfortunately, pre-existing condition limitations in long term disability policies are quite common and often very difficult to get around. Most policies require ... read more >

Reliance Standard

Seeking relief against Reliance Standard through the Insurance Fair Conduct Act.

Reviewed by Sick and Tired in Seattle on August 23rd 2015   Verified Policyholder
Reliance Standard pays my long term disability claim. Every month I have to battle with Matrix, the policy administrator, and fight to get my monthly income, but neither t... read more >
Sent on August 23rd 2015 by Attorney Stephen Jessup

Sick and Tired, if your policy is governed be ERISA then your state law actions could be pre-empted. Additionally, if this policy was through your employer the named po... read more >

Reliance Standard

Major financial suffering because Reliance Standard wrongfully denied my disability benefits.

Reviewed by Choyce7 on August 16th 2015   Verified Policyholder
Well here we go again….In April of 2015, Reliance denied my benefits again. This is the second time that they have done this to me. I was disabled in January of 2010. I ... read more >
Sent on August 16th 2015 by Attorney Stephen Jessup

Choyce, attorney’s fees are only applicable if you prevail at trial, and even then it is only upon motion for same and at the discretion of the judge. Unfortunately, ... read more >

Reliance Standard

My partner and I have been continuously harrassed by Reliance Standard for paperwork, and now want to pursue a lump sum for undue stress.

Reviewed by G in AZ on August 12th 2015   Verified Policyholder
My partner was diagnosed with late stage AIDS in Sept 2009, he received SSDI within 6 weeks of applying for it. He was also on LTD with Reliance Standard. The plan his emp... read more >
Sent on August 12th 2015 by Attorney Stephen Jessup

G, prior to the filing of any lawsuit he will have to satisfy the administrative appeal process required by ERISA. Unfortunately, your partner will have no legal recour... read more >

Reliance Standard

Reliance Standard has yet to give me the correct benefit amount, even after pointing it out to them myself.

Reviewed by LJ on July 9th 2015   Verified Policyholder
I’ll get straight to the point: After pointing our their miscalculations in my benefit amount, Reliance Standard agrees that they owe me money and a corrected W2 for my ... read more >
Sent on July 9th 2015 by Attorney Stephen Jessup

LJ, I recommend you send a letter (that can be tracked and requires a signature) demanding information as to the amount of the underpayment and when you will expect to ... read more >

Reliance Standard

Reliance Standard is trying to claim SSDI payments we never received as offset for my husband's LTD benefits.

Reviewed by Feeling Cheated on June 10th 2015   Verified Policyholder
My husband has been disabled for years and approved for LTD & SSDI. Which is great! We dont have the horror stories above however we have our own offset dillema. I underst... read more >
Sent on June 10th 2015 by Attorney Stephen Jessup

Feeling Cheated, unfortunately the application of the offset provision for DSSDI is applicable regardless of the situation. Your situation is akin to a dependent child ... read more >

Reliance Standard

Need advice on how to best deal with Reliance standard.

Reviewed by Connie L. on May 11th 2015   Verified Policyholder
Is anybody ever successful collecting benefits from Reliance? My husband drew STD for 6 months no problem. LTD is a different story. Received two checks but now they are r... read more >
Sent on May 11th 2015 by Attorney Stephen Jessup

Connie, please feel free to have your husband contact our office to discuss his Reliance claim. Carriers often make the process of LTD much more difficult due to the fa... read more >

Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Reliance Standard Appeal Package

We work with you, your doctors, and other experts to submit a very strong Reliance Standard appeal.

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Sue Reliance Standard

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Reliance Standard.

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Protect Your Benefits
Get Your Reliance Standard Disability Application Approved
We help claimants throughout the entire application process.

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Prevent a Reliance Standard Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

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Negotiate a Reliance Standard Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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Answered Questions by Our Lawyers
Showing 8 of 24 Answered Questions

Q: Denied short term disability and need to file for long term with same insurer

Answered on June 29th 2023 by Attorney Stephen Jessup
A: We would be more than happy to speak with you and review your denial letter and policy and discuss how we can ... Read More >

Q: Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?

Answered on November 3rd 2022 by Attorney Alex Palamara
A: ARH, I am happy to hear of your LTD approval, though I am sorry to hear of your medical conditions. The LTD po... Read More >

Q: Why is Reliance Standard trying to recover payments I was awarded through another company?

Answered on August 6th 2020 by Attorney Cesar Gavidia
A: Dani, your disability plan may contain a provision which allows Reliance to claim and recover an overpayment o... Read More >

Q: Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?

Answered on July 11th 2020 by Attorney Alex Palamara
A: Fred, I am sorry to hear all that you have been through medically and in dealing with Reliance Standard. Unfor... Read More >

Q: How do I access a copy of my STD policy with Reliance Standard?

Answered on March 26th 2019 by Attorney Alex Palamara
A: Vicki, I am sorry to hear the trouble you are having with the Standard. It seems they are certainly make thing... Read More >

Q: If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?

Answered on July 11th 2018 by Attorney Cesar Gavidia
A: Bill, it depends on terms and conditions relating to “other income benefits” and “offset” under your f... Read More >

Q: How can Reliance Standard not coordinate with both of my disability insurance policies?

Answered on December 13th 2017 by Attorney Stephen Jessup
A: Jerry, you will need to review your RSL policy to determine what it deems to be a source of “Other Income”... Read More >

Q: How can I get Reliance Standard to pay me the full amount of my withheld SSDI benefits?

Answered on April 25th 2017 by Attorney Stephen Jessup
A: Ej, typically RSL will only withhold funds if SSDI has not been applied for. My recommendation at this point w... Read More >
Helpful Videos
Showing 12 of 805 Videos
Disability Benefit Tips
Showing 8 of 329 Benefit Tips

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 thi... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability benefits under a long term disability policy, your medical rec... Read More >

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many long term disability claimants don't know about (or expect) from the claims re... Read More >

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults... Read More >

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves th... Read More >

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny lon... Read More >

Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons

At Dell & Schaefer, we've helped hundreds of clients recover long term disability benefit... Read More >

Guardian Disability Benefit Claim Handling Tips

When you finally receive a letter from Guardian Disability informing you that your claim for ... Read More >
Dell Disability Cases
Showing 8 of 359 Dell Disability Cases

Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager

Our client, Mr. S, formerly worked as a Store Manager for a large national retail chain. In August 2016 Mr. S suffered from multiple Transient... Read More >

Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant

Our client, Mr. L, formerly worked as a Sales Consultant for a global technology company. In September 2014 a number of medical issues followi... Read More >

Reliance Standard overturns decision to deny long-term disability benefits to Paediatrician with Ovarian Cancer

Prior to her disability Dr. Julie worked as a pediatric physician for a nationally recognized health system based in Florida. In 2015, Dr. Jul... Read More >

Reliance Standard reinstates disability benefits to Project Manager

Our client, a former Senior Project Manager for a national corporation, was receiving long term disability benefits from Reliance Standard due... Read More >

Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal

Our client, Ms. L, formerly worked as a National Account Manager for Delphi Financial Group, the parent company of Reliance Standard Insurance... Read More >

Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records

Ms. L was employed as a registered nurse when she was diagnosed with anterior ischemic optic neuropathy, optic atrophy and visual field defect... Read More >

After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect

Reliance Standard Incorrectly Denies BenefitsThe claimant had been suffering from severe depression and anxiety due to many stressors in h... Read More >

Reliance Standard Admits They Were Wrong in Denying Long Term Disability Benefits

Syncope is the medical term used to describe fainting or passing out. A syncopal event often comes on with no warning, is short in duration an... Read More >
Disability Lawsuit Stories
Showing 8 of 763 Lawsuit Stories

Reliance Standard Wrongfully Denies Life Insurance Waiver of Premium and Must Pay $188,000

In Jody Rizzo v. First Reliance Standard Life Insurance Company, plaintiff’s late husband, Angelo Rizzo, participated in a group l... Read More >

Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?

In Tiedel v. Reliance Standard life Insurance Company (Reliance), Plaintiff Tiedel, a full-time flight engineer for K... Read More >

Can Employer’s Transfer of Coverage Effect an Employee’s Disability Claim?

In the case of Cheryl L. Wallace v. Oakwood Healthcare, Inc. (Oakwood), Plaintiff was employed by Oakwood Healthcare, Inc. Health Sy... Read More >

Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot

In Michael G. Miller v. Reliance Standard Insurance Company (Reliance), Plaintiff worked for Lake Charles Pilots, Inc... Read More >

Reliance Termination of Benefits Is Upheld When Evidence Was Conflicting

In Karen Gammon v. Reliance Standard Life Insurance Company (Reliance), Plaintiff worked for Cape Cod Hospital for 23 years as a med... Read More >

District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation

In Sue Ray v. Reliance Standard Life Insurance Company, W.D. Washington, July 31, 2018, Plaintiff filed suit under the Employee Retirement Inc... Read More >

Court Remands Finding That Reliance Arbitrarily Denied Disability Benefits

Kelly Dean Brende v. Reliance Standard Life Insurance Company stems from a September 11, 2012, incident where Brende, a partner in a law firm,... Read More >

Reviews from Our Clients

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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability income benefits approved. Applying for disability benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their "hired gun" doctor.

Through our experience of having helped thousands of disability insurance claimants, our lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of "disability". We encourage you to contact any of our lawyers for a free immediate review of your disability denial.

Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability lawyers have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the "little guy" against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance lawyers that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

In more than 98% of our cases, our lawyers have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement. Our lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We welcome you to contact any of our attorneys for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 700 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our lawyers help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

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 phone, email, fax, GoToMeeting 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 800-698-9159 or by email. Lawyers 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.