Reliance Standard

Reliance Standard unfairly denied my LTD claim due to a pre-existing condition.

Reviewed by Toni on August 31st 2015   Verified Policyholder
Reliance Standard denied me LTD due to a pre-existing condition. I did appeal this decision and they still denied me. When I appealed, it was not just one diagnosis but it was several the main diagnosis as Severe Depression and anxiety. I was not only denied but shortly after my job fired me and said well if you not ready to return to work then we have no choice but to let you go. I was devastated, I have filed for SSID and now am waiting on that decision, I do have attorneys handling this case. It looks like the Social Security Office will be approving my claim. I did not realize a company could fire you while you are still under doctor’s care, especially for a mental illness. I called almost every lawyer around and they told me nothing could be done, the preexisting condition pretty much crushed it. I think that is ridiculous because I was suffering this preexisting condition while I was on STD. When STD ran out, the preexisting condition was not bothering me anymore; the depression kicked in then, but they still said even with the mental illness they still had to deny my claim. Im sure just as every Lawyer I have contacted has told me there is nothing that can be done, I just wanted to vent about this company. I think it is totally unfair that they do people like this. Thank you
Reply
Sent on August 31st 2015 by Attorney Stephen Jessup

Toni, unfortunately, pre-existing condition limitations in long term disability policies are quite common and often very difficult to get around. Most policies require you be covered under the policy for at least 12 months before they will waive a pre-existing condition provision. Please note that the vast majority of STD policies do not contain comparable provisions, or if they do the time frame to wait before filing is very short. We wish you the best in securing your SSDI.