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 employer had set up stated he would have benefits until he reaches his 65th birthday; he has just now passed his 49th. As previous people have said, he kept getting harassed every 3 to 6 mos for more paperwork, we send it 3 – 4 times and they finally say they have it, by that time we are passed the date he was to receive his check. Due to the stress caused by their representative he suffered a Heart Attack in Feb 2011 and has had to have 3 stints placed in his arteries around his heart. And now after 5 years on LTD with RSLI they have decided he can function and go back to work. My partner has lost over 100 lbs since his diagnosis, his viral load is non existent due to the meds but his T-Cell count is still less than 350 and he gets sick very easily when around other people. Due to his weight loss, he looks like a walking skeleton, and there is no employer out there that will hire him for any position as he has no stamina. He has really bad insomnia due to the multitude of medications he is on. His PCP has stated time and time again that he is never going to be going back to work, he is permanently disabled. What kind of recourse does he have? He wants to sue for a lump sum to cover him for the remainder of his life along with compensation for the undue stress he has been placed under by their representative.
Reply
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 recourse for any extra-contractual damages (such as pain and suffering) and would only be legally entitled to unpaid past benefits. Our website is full of information on the importance of filing a full and complete appeal – as the appeal will essentially be the information to be argued in the event of a trial. Please feel free to contact our office to discuss how we can assist with the appeal process.