Reliance Standard
Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.
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 year ( because of both finances and Covid-19) I have been suddenly denied even though my conditions are incurable. 14 years of proven, multi doctor validated, and documented conditions ignored because “I failed to provide proof of continued disability with the records provided.”. The examiner says I can provide an “updated records” for a review prior to an appeal. So I am scrambling to get updated medical reports and hope the tsunami of evidence will correct their error in judgement. If it does not, I will need professional legal help in my corner. Without my benefit check I will quickly fall into economic ruin.
Reply
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 that your treating providers, particularly the ones who are in charge of your care for the condition(s) you are claiming disability from, address the limitations and restrictions produced by your conditions. Also, it may be important to consult additional experts and examiners who may be able to conduct testing that could show the extent of your functional limitations. This Appeal may be the only opportunity you will have to include additional support and evidence.
