Reliance Standard
My husband's claim with Reliance Standard was denied because his employer never mentioned the financial eligibility requirements for the policy.
My husband obtained STD and LTD from his employer in March 2014. He filed a claim on Aug 27, 2014. Everything was going good. He received a letter stating they needed 12 weeks of payroll records from 8/1/14 and back to determine his weekly benefits amount. Then on 9/14/14 upon checking on the website of the statues of the claim it said to call customer service for further assistance. I did so and was told claim was denied because he didn’t meet the financial eligibility of the policy. Tell me how this is, when a employer offered it and didn’t say anything about a minimum annul salary that had to be met. I feel someone ripped us off. I need some help finding if there is any legal action we can take against the broker, employer and Reliance.
Reply
JB, I would suggest you contact human resources to verify if what Reliance Standard is saying is in fact correct under the policy. That being said, many policies require that an insured work a certain number of hours a week in order to be eligible under the plan. I am not sure if that is the issue, but reviewing the policy language for such a requirement is a good place to start.
