Reliance Standard
I was denied LTD coverage by Reliance Standard because my cancer was deemed a pre-existing condition.
I have a general comment. My company signed a long term disability contract with Reliance Standard 9/1/2011. I was diagnosed with stage 4 cancer in March of 2011. I was denied by Reliance with the reason that I had the LTD version of a pre-existing condition. I worked for this employer for 25 years. I find it amazing that I can be legally excluded not because there is any question about my medical disability but because I got sick 6 months prior to the policy signing.
Reply
Beth, if there was no prior disability plan in place before Reliance Standard provided coverage, then it is quite possible you would be excluded under the policy’s pre-existing condition provision. Based on their denial I am sure you are more than familiar with the exact language of same. Often, if there is a prior plan in place from another carrier that you would have been eligible for benefits under then you would essentially be “grandfathered” into the new policy. I would suggest you contact the employer to determine whether there was prior coverage, and if so, check the language in the Reliance Standard policy to see if there are provisions pertaining being covered under your employer’s prior policy.
