Reliance Standard

Reliance Standard denied my LTD based off of an inaccurate job requirement.

Reviewed by Sharon Clyde on December 15th 2013   Verified Policyholder
My LTD is being terminated with only one month notice. My job qualifications require more exertion than what they are claiming. I am an Emergency Medical Technician which requires lifting and/or carrying “a minimum of 125 pounds up to 200 pounds.” Reliance wrote saying that my job only requires the “ability to lift/carry and push/pull 20-50 pounds occasionally, 10-25 lbs frequently or up to 10 lbs. constantly.” That is a significant difference. They say that “given these facts” they have “determined you do not meet… Total Disability and your claim must be closed.” Their “facts” are wrong. As a EMT, I have to be able to lift “125 pounds up to 200 pounds”, not just 50 lb. occasionally. I only get one shot at another review. Will I be wasting it by simply stating the obvious difference in job qualifications or should I do more?
Reply
Sent on December 15th 2013 by Attorney Stephen Jessup

Sharon, if you have spent time on our website you will understand the importance of filing a complete and proper administrative appeal. Please feel free to contact our office if you would like to discuss how we may be able to assist you.