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  • How We Help
    Our Lawyers Get Your Long-Term Disability Benefits Paid

    98% percent of our clients collect disability insurance benefits. We have helped thousands of disability insurance claimants throughout the USA to collect hundreds of millions of dollars of disability insurance benefits. Thank you for considering our law firm to help you.

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    We have filed thousands of disability insurance lawsuits in federal Courts nationwide against every major disability insurance company.
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    We help claimants throughout the entire application process
    Prevent A Disability Benefit Denial
    We manage every aspect of your disability claim following benefits approval
    Negotiate a Lump-Sum Settlement
    Our goal is to negotiate the highest possible buyout of your long-term disability policy
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  • Your Disability Company
    Learn How Your Disability Company Acts and Thinks

    You can greatly increase your chances of long term disability insurance benefit approval by learning all about the claim handling tactics of your disability insurance company.

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  • Your Disabling  Condition
    Discover How Your Disabling Condition Should be Presented to Your Disability Company

    Disability insurance companies always argue that diagnosis does not equal disability. Proving that your medical condition is disabling is the most challenging aspect of any long term disability insurance claim.

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    Select your disabling condition below:
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  • Your Occupation
    Explore How Disability Companies Evaluate Your Occupation

    Disability insurance companies are notorious for minimizing your occupational duties. This technique is used as a tool to prove that you can perform duties which differ from the job you actually performed while working.

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    Select your occupation at the time you became disabled:
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  • Resources to Help You Win
    Knowledge is Power. Learn Everything About Disability Insurance Claims

    We hope you enjoy these great resources and we invite you to ask our disability insurance lawyer any questions or to leave a review about your experience with your disability insurance company

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    Select from these categories to learn more:
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    Helpful tips to get your disability insurance benefits paid and prevent denial
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    Watch or search hundreds of disability insurance claim videos. New videos weekly!
  • Ask Our Lawyers
  • About Us
    Experienced, Reliable, Compassionate

    Established in 1979, we are a national disability insurance law firm that helps individuals collect disability insurance benefits. We have helped thousands of claimants throughout the USA collect over $800 million in disability benefits and we know exactly what it takes to get your benefits paid. We welcome you to contact us for a free phone consultation with one of our disability insurance lawyers.

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Reliance Standard Disability Help
Denial Options
Protect Your Benefits
Reviews (49)
Questions (25)
Videos (910)
Resources (1,471)
Disability Benefit Tips (331)
Disability Lawsuit Stories (765)
Dell Disability Cases (375)
Your Disability CompanyReliance StandardVideos

Reliance Standard Denial of Disability Benefits for an Attorney Reversed by Kansas Judge


Related: Reliance Standard | Sue Your Disability Insurance Company | Kansas | Gregory Dell | Rachel Alters
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Resources to Help You Win Disability Benefits

Disability Benefit Denial Options
Submit a Strong Reliance Standard Appeal Package

We work with you, your doctors, and other experts to submit a very strong Reliance Standard appeal.

Learn more

Sue Reliance Standard

We have filed thousands of disability denial lawsuits in federal Courts nationwide against Reliance Standard.

Sue Reliance Standard

Protect Your Benefits
Get Your Reliance Standard Disability Application Approved
We help claimants throughout the entire application process.

Apply for Reliance Standard disability benefits

Prevent a Reliance Standard Disability Benefit Denial
We manage every aspect of your disability claim following claim approval.

Learn more

Negotiate a Reliance Standard Lump-Sum Settlement

Our goal is to negotiate the highest possible buyout of your long-term disability policy.

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Reliance Standard Reviews
(49)

Policy Holder Rating

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1.6 out of 5
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0%would recommend
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5
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4
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3
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2
57%
1
42%
Timely Payments
1.8out of 5
Handling Claim
1.9out of 5
Customer Service
2.2out of 5
Dependable
2.0out of 5
Value
2.0out of 5
Showing 8 of 49 Reviews
Reliance Standard

Short Term Disability Claim/Inconsistent to NO Communication

Reviewed by GaKRN on August 22nd 2024   Verified Policyholder | June 2024 date of disability
When I did call & reach a live person they were kind & helpful. The person assigned to my claim left one phone message & I have not spoken to her since. Information she re... read more >
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Reliance Standard

Staff Lie

Reviewed by Tanya on February 12th 2024   Verified Policyholder | August 2021 date of disability
I had my disability cut off the day I was scheduled to find out whether I should have surgery. The claims examiner was aware that I had an appointment on that date and sai... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

I am sorry to hear about your experience. It’s crazy that Reliance Standard would deny your disability benefits when you are suffering so badly that you need surgery.... read more >

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Reliance Standard

Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.

Reviewed by Ken S. on February 11th 2021   Verified Policyholder
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 ... read more >
Reply
Sent on February 11th 2021 by Attorney Cesar Gavidia

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 th... read more >

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Reliance Standard

Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.

Reviewed by Jeff S. on July 7th 2020   Verified Policyholder
It should be criminal that this company treats sick people like this who just want PTO be left alone! I received a call from Reliance on 7/6/20 cutting me off after 1 year... read more >
Reply
Sent on July 7th 2020 by Attorney Stephen Jessup

Jeff, in my opinion Reliance Standard is one of the more difficult insurance companies to deal with. What you are experiencing they do day in, day out. You can certainl... read more >

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Reliance Standard

Reliance Standard notified me that my benefits were being stopped with no warning or reason.

Reviewed by Deborah S. on June 5th 2020   Verified Policyholder
Horrible company! Phoned me on June 4th to let me know that I would no longer be receiving benefits as of June 3rd. Just like that! No questions asked and no info given!
Reply
Sent on June 5th 2020 by Attorney Gregory Dell

Deborah, I am sorry to hear of the denial of your claim and how you were provided no notice of an immediate end of your income. Please contact us at once for a free con... read more >

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Reliance Standard

I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.

Reviewed by Mary Anne B. on March 3rd 2020   Verified Policyholder
I was diagnosed stage 2 breast cancer June 2015 and went out on std with Reliance. Within 4 months following my status changed to stage 4 with Mets to my spine. STD conver... read more >
Reply
Sent on March 3rd 2020 by Attorney Stephen Jessup

Mary Anne, your recourse would be to go through the administrative appeal process and if that is denied to file lawsuit. Please contact our office to discuss the denial... read more >

Related:  Reliance Standard | Cancer
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Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.

Reviewed by Chrystall on July 5th 2017   Verified Policyholder
I have been on STDI since April 28th, 2017 and I have only received what they say is a “courtesy payment” because they know the hardship which I am facing. I call mult... read more >
Reply
Sent on July 5th 2017 by Attorney Stephen Jessup

Chrystall, please feel free to contact our office to discuss your claim. Needless to say, the carrier is well beyond the typical timeframe to render a decision on a STD... read more >

Related:  Reliance Standard | Carpal Tunnel Syndrome
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Reliance Standard

Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend.

Reviewed by Wendy on April 4th 2017   Verified Policyholder
In August 2016 my boyfriend was placed on disability by his family physician. A short background, he is a type I Diabetic since age 4 and had to have multiple lumbar back ... read more >
Reply
Sent on April 4th 2017 by Attorney Stephen Jessup

Wendy, please contact our office to discuss the claim further. Decisions on long term disability claim applications should only take about 45-60 days. If the claim is d... read more >

Related:  Reliance Standard | Submit A Strong Appeal Package
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Answered Questions by Our Lawyers
(25)
Showing 8 of 25 Answered Questions

Q: Are VA disability payments considered “other income” by Reliance Standard?

Answered on October 25th 2023 by Attorney Cesar Gavidia
A: The disability policy may allow Reliance Standard to deduct and offset your monthly benefit payment by your VA... Read More >
Related:  Reliance Standard

Q: Denied short term disability and need to file for long term with same insurer

Answered on June 29th 2023 by Attorney Stephen Jessup
A: We would be more than happy to speak with you and review your denial letter and policy and discuss how we can ... Read More >
Related:  Reliance Standard | Covid-19 | Submit A Strong Appeal Package

Q: Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?

Answered on November 3rd 2022 by Attorney Alex Palamara
A: ARH, I am happy to hear of your LTD approval, though I am sorry to hear of your medical conditions. The LTD po... Read More >
Related:  Reliance Standard | Stroke

Q: Why is Reliance Standard trying to recover payments I was awarded through another company?

Answered on August 6th 2020 by Attorney Cesar Gavidia
A: Dani, your disability plan may contain a provision which allows Reliance to claim and recover an overpayment o... Read More >
Related:  Reliance Standard

Q: Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?

Answered on July 11th 2020 by Attorney Alex Palamara
A: Fred, I am sorry to hear all that you have been through medically and in dealing with Reliance Standard. Unfor... Read More >
Related:  Reliance Standard | Headaches & Migraines

Q: How do I access a copy of my STD policy with Reliance Standard?

Answered on March 26th 2019 by Attorney Alex Palamara
A: Vicki, I am sorry to hear the trouble you are having with the Standard. It seems they are certainly make thing... Read More >
Related:  Reliance Standard | Back Disorders

Q: If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?

Answered on July 11th 2018 by Attorney Cesar Gavidia
A: Bill, it depends on terms and conditions relating to “other income benefits” and “offset” under your f... Read More >
Related:  Reliance Standard

Q: How can Reliance Standard not coordinate with both of my disability insurance policies?

Answered on December 13th 2017 by Attorney Stephen Jessup
A: Jerry, you will need to review your RSL policy to determine what it deems to be a source of “Other Income”... Read More >
Related:  Reliance Standard
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Helpful Videos
(910)
Showing 12 of 910 Videos
Reliance Standard Disability Reviews - Good or Bad?

Reliance Standard Disability Reviews - Good or Bad?

Reliance Standard has a lot of long term disability denials. But why? Share your reviews o...

Related:  Reliance Standard | Rachel Alters
Winning a Reliance Standard Disability Appeal

Winning a Reliance Standard Disability Appeal

Reliance Standard can be very hard to deal with. When it comes to getting a Reliance Stand...

Related:  Reliance Standard | Submit A Strong Appeal Package | Alex Palamara
Reliance Standard Disability Denial and Appeal Tips

Reliance Standard Disability Denial and Appeal Tips

Ltd lawyers Gregory Dell and Alex Palamara have handled hundreds of Reliance Standard long...

Related:  Reliance Standard | Submit A Strong Appeal Package | Alex Palamara
Onsite Construction Manager Wins STD Appeal Against Reliance Sta...

Onsite Construction Manager Wins STD Appeal Against Reliance Sta...

Reliance Standard wrongfully denied disability benefits to woman recovering fromChemothe...

Related:  Reliance Standard | Submit A Strong Appeal Package | Cesar Gavidia
Reliance Standard Denies LTD Benefits 4 times in 24 Months for 6...

Reliance Standard Denies LTD Benefits 4 times in 24 Months for 6...

This was a first for our law firm and a new low for Reliance Standard. Our client, an insu...

Related:  Reliance Standard | Peripheral Neuropathy | Submit A Strong Appeal Package | Cesar Gavidia
Reliance Standard Disability Benefit Denial Help (Long Term Disa...

Reliance Standard Disability Benefit Denial Help (Long Term Disa...

Rachel Alters and her team of long term disability lawyers know exactly what to do if your...

Related:  Reliance Standard | Rachel Alters
Reliance Standard Denies Long Term Disability After Paying for 1...

Reliance Standard Denies Long Term Disability After Paying for 1...

This was a horrible Reliance Standard long term disability benefit denial. Long term disab...

Related:  Reliance Standard | Submit A Strong Appeal Package | Knee Disorders | Rachel Alters
Reliance Standard Disability Appeal Success Story for a Colorado...

Reliance Standard Disability Appeal Success Story for a Colorado...

This Colorado Police officer with chronic knee pains was initially approved for long term ...

Related:  Reliance Standard | Knee Disorders | Law Enforcement Officer | Submit A Strong Appeal Package | Stephen Jessup
Reliance Standard Pays for Three Years & Then Denies LTD to Proj...

Reliance Standard Pays for Three Years & Then Denies LTD to Proj...

Our client, a payroll manager with Solairus was paid long term disability benefits by Reli...

Related:  Reliance Standard | Cognitive Limitations | Alex Palamara
LA Police Officer with COPD & Back Disorder Wins Reliance Standa...

LA Police Officer with COPD & Back Disorder Wins Reliance Standa...

This was a great long term disability appeal victory against Reliance Standard on behalf o...

Related:  Reliance Standard | Submit A Strong Appeal Package | COPD | Law Enforcement Officer | Alex Palamara
Reliance Standard Disability Lawsuit Results in Payment of Disab...

Reliance Standard Disability Lawsuit Results in Payment of Disab...

Long term disability lawyers Gregory Dell and Alex Palamara discuss a successful long term...

Related:  Reliance Standard | Sue Your Disability Insurance Company | Fibromyalgia | Alex Palamara
Insurance Agent with Neuropathy Wins Reliance Standard Disabilit...

Insurance Agent with Neuropathy Wins Reliance Standard Disabilit...

We have represented a lot of insurance salespersons and it’s always ironic to see an ins...

Related:  Reliance Standard | Submit A Strong Appeal Package | Salesperson | Cesar Gavidia
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Disability Benefit Tips
(331)
Showing 8 of 331 Benefit Tips

How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial

At Dell & Schaefer we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultimate r... Read More >
Related:  Reliance Standard | Get Your Disability Application Approved | Gregory Dell

Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea... Read More >
Related:  Gregory Dell

Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med... Read More >

Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ... Read More >
Related:  Gregory Dell

Disability Benefit Denial Reason #3 - Video & Social Media Surveillance

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c... Read More >
Related:  Gregory Dell

How Do You Fight a Long-Term Disability Denial?

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph... Read More >
Related:  Gregory Dell

Disability Denial Reason #2 - Change of Disability Definition & Vocational Review

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ... Read More >
Related:  Stephen Jessup

Disability Denial Reason #1 – Paper Review & IME

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file... Read More >
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Dell Disability Cases
(375)
Showing 8 of 375 Dell Disability Cases

How does Reliance Standard deny long term disability benefits after paying for three years?

A former Payroll Manager for Solairus Aviation, a large Private Jet Charter and Aircraft Management Company was significantly injured in a serious motor vehicle accident which occurred on June 26, 2017.  This accident changed her life forever. Due to the accident, our now client suffered from a traumatic brain injury which led to diagnoses such a post-concussi... Read More >
Related:  Reliance Standard | Submit A Strong Appeal Package | Alex Palamara

Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager

Our client, Mr. S, formerly worked as a Store Manager for a large national retail chain. In August 2016 Mr. S suffered from multiple Transient Ischemic Attacks (“TIAs”) or mini-strokes which left him with debilitating physical and cognitive impairments. Mr. S made several attempts to return to work failed but continued to suffer slurred speech, headaches, pressure in the back of his head and memory loss, h... Read More >
Related:  Reliance Standard | Cognitive Limitations | Submit A Strong Appeal Package | Texas | Jay Symonds

Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant

Our client, Mr. L, formerly worked as a Sales Consultant for a global technology company. In September 2014 a number of medical issues following an ischemic stroke forced Mr. L to stop working and submit his claim for disability benefits under his employer's long-term disability (LTD) policy, which was funded and administered by Reliance Standard. Under his employer's disability policy he would be considered t... Read More >
Related:  Reliance Standard | Consultant | Stroke | Submit A Strong Appeal Package | Tennessee | Jay Symonds

Reliance Standard overturns decision to deny long-term disability benefits to Paediatrician with Ovarian Cancer

Prior to her disability Dr. Julie worked as a pediatric physician for a nationally recognized health system based in Florida. In 2015, Dr. Julie received a diagnosis of ovarian cancer and underwent a total abdominal hysterectomy and chemotherapy. Although the chemotherapy and treatment likely saved her life, she remained suffering from residual neuropathy in her hands and feet, as well as chronic and severe fa... Read More >
Related:  Reliance Standard | Cancer | Pediatrician | Submit A Strong Appeal Package | Florida | Cesar Gavidia

Reliance Standard reinstates disability benefits to Project Manager

Our client, a former Senior Project Manager for a national corporation, was receiving long term disability benefits from Reliance Standard due to debilitating chronic pain stemming from a multitude of lumbar and cervical spine disorders. Reliance Standard initially approved his claim for short term disability benefits and without issue approved his claim for long term disability benefits once the period of sho... Read More >
Related:  Reliance Standard | Back Disorders | Chronic Pain | Neck Pain | Submit A Strong Appeal Package | North Carolina | Stephen Jessup

Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal

Our client, Ms. L, formerly worked as a National Account Manager for Delphi Financial Group, the parent company of Reliance Standard Insurance Company. In 2015, a number of medical issues, namely, chronic daily pain, sleep difficulties, fatigue and cognitive and memory impairments forced Ms. L to stop working and submit her claim for long-term disability benefits. In addition to these symptoms her doctors susp... Read More >
Related:  Reliance Standard | Fibromyalgia | Submit A Strong Appeal Package | Florida | Cesar Gavidia

Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records

Ms. L was employed as a registered nurse when she was diagnosed with anterior ischemic optic neuropathy, optic atrophy and visual field defect. Her employer, a large medical healthcare system, provided Ms. L and its other employees group long-term disability insurance through Reliance Standard Life Insurance Company ("Reliance Standard"). In 2014 Ms. L's vision degraded so severely that her doctors diagnosed h... Read More >
Related:  Reliance Standard | Submit A Strong Appeal Package | California | Cesar Gavidia

After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect

Reliance Standard Incorrectly Denies BenefitsThe claimant had been suffering from severe depression and anxiety due to many stressors in his life including a child custody battle which threw him into major depression and severe anxiety preventing him from being able to work in his occupation as an engineer. The claimant contacted Dell Disability Lawyers to assist him with his appeal as he did not believe h... Read More >
Related:  Reliance Standard | Depression & Anxiety | Engineer | Submit A Strong Appeal Package | Rachel Alters
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Disability Lawsuit Stories
(765)
Showing 8 of 765 Lawsuit Stories

Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support

In the case of Amy Wright v. Reliance Standard Life Insurance Company (Reliance), Plaintiff was the vice-president of health information services at Integrity Health Care when she stopped working on August 7, 2017. She brought claims for benefits under an LTD insurance policy and a waiver of premiums under a life insurance policy.In order to be approved for LTD benefits, Plaintiff ... Read More >
Related:  Reliance Standard | Sue Reliance Standard | Fibromyalgia | Florida | Gregory Dell

Reliance Standard Wrongfully Denies Life Insurance Waiver of Premium and Must Pay $188,000

In Jody Rizzo v. First Reliance Standard Life Insurance Company, plaintiff’s late husband, Angelo Rizzo, participated in a group life insurance policy provided as a benefit by his employer, Barnes & Noble, where he was employed as an assistant store manager. The policy was issued by Reliance Standard. On about November 12, 2012, Mr. Rizzo stopped working due to his multiple medical problems. He... Read More >
Related:  Reliance Standard | New Jersey | Sue Your Disability Insurance Company | Gregory Dell

Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?

In Tiedel v. Reliance Standard life Insurance Company (Reliance), Plaintiff Tiedel, a full-time flight engineer for Kalitta Air, was in the pilot seat of a single engine plane that crashed in January 1979. He suffered numerous fractures and required surgery. He developed Hepatitis C due to a blood transfusion he received following the accident.In December 2013, the Hepatitis C... Read More >
Related:  Reliance Standard | Hepatitis C | Sue Your Disability Insurance Company | Gregory Dell

Can Employer’s Transfer of Coverage Effect an Employee’s Disability Claim?

In the case of Cheryl L. Wallace v. Oakwood Healthcare, Inc. (Oakwood), Plaintiff was employed by Oakwood Healthcare, Inc. Health System as a registered nurse when she became ill in October 2012 and took medical leave. She returned to work on April 7, 2013, but stopped working again on May 13, 2013, and did not return.Plaintiff filed a claim for long-term disability (LTD) benefits. There were som... Read More >
Related:  Reliance Standard | Sue Your Disability Insurance Company | Gregory Dell

Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot

In Michael G. Miller v. Reliance Standard Insurance Company (Reliance), Plaintiff worked for Lake Charles Pilots, Inc. (LCP) as a riverboat pilot when he quit working due to a disability. At the time his employer provided short-term disability (STD) and long-term disability (LTD) coverage through Prudential Life Insurance Company.Prudential paid Plaintiff short-term disability bene... Read More >
Related:  Reliance Standard | Back Disorders | Knee Disorders | Neck Pain | Sue Your Disability Insurance Company | Gregory Dell

Reliance Termination of Benefits Is Upheld When Evidence Was Conflicting

In Karen Gammon v. Reliance Standard Life Insurance Company (Reliance), Plaintiff worked for Cape Cod Hospital for 23 years as a medical transcriptionist when she stopped working due to pain from sciatica. She applied for total long-term disability (LTD) benefits through her employer's insurance provider, Reliance.Plaintiff claimed that sitting for more than 20 minutes at a time caused her excruc... Read More >
Related:  Reliance Standard | Back Disorders | Sue Your Disability Insurance Company | Gregory Dell

Reliance's Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason

In Leo Noga v. Reliance Standard Life Insurance Company (Reliance), Plaintiff, a financial advisor with Fulton Financial, stopped working on February 27, 2015. At the time, he was covered under a disability insurance policy issued by Reliance. The terms of the policy granted Reliance the discretion to determine benefit eligibility. Those covered must submit satisfactory proof of total disability in o... Read More >
Related:  Reliance Standard | Peripheral Neuropathy | Diabetes | Sue Your Disability Insurance Company | Gregory Dell

District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation

In Sue Ray v. Reliance Standard Life Insurance Company, W.D. Washington, July 31, 2018, Plaintiff filed suit under the Employee Retirement Income Security Act of 1974 (“ERISA”) to recover long-term disability (“LTD”) benefits, which Reliance Standard denied on the ground that plaintiff could perform her “Regular Occupation” and was therefore not “disabled” within the meaning of the LTD policy a... Read More >
Related:  Reliance Standard | Irritable Bowel Syndrome | Nurse | Submit A Strong Appeal Package | Jay Symonds
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Reviews from Our Clients

Keith G.

They were very professional with their responds and on time with keeping you inform about everything with your case. I would recommend My lawyer Stephen Jessup, he was on point with everything, thank you. You guys are awesome people to work with. God bless you guys.

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Keith L.

I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

Related:  New York Life | Alex Palamara
Kyle D.

Jay Symonds and his assistant, Sonia helped me tremendously. The insurance company that worked for my former employer did everything they could to make my life literally miserable. That all changed when I hired Jay. He and Sonia fought for my rights and forced the insurance company to pay what they should have.

If you have a disability claim hire Jay as if you go it alone the insurance company will screw you. Jay and Sonia will fight for everything you are entitled for. I couldn’t recommend them more highly.

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Frank R.

I cannot say enough positive things about my experience with Dell Disability Lawyers. Attorney Stephen Jessup and Amanda offered an opportunity to provide clarity on a complex issue regarding my disability claim. Mr. Jessup offered advice on an offset to my claim after my insurance company asked for additional information from Social Security. With counsel from Mr. Jessup, I was able to address the outstanding issue with the Social Security office and provide my insurance company with the required documentation to address their concerns. Mr. Jessup always responded in a timely manner with expert advice and offered the opportunity for follow up. I strongly recommend Dell Disability Lawyers to those seeking legal counsel for disability matters.

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Wesley D.

I have been able to help others as a soldier, a police officer, and a pharmacist. I needed help forcing the insurance company to keep their commitment to take care of me and my family. I called Dell. Alex, Tabitha, and their entire team were very compassionate, extremely patient, and extraordinarily knowledgeable. Many thanks Dell!

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Samar A.

My husband had applied for Long Term Disability and was denied. We sought out Rachel Alters at Dell Disability Lawyers to help us with our appeal. Rachel and her team were so diligent and meticulous in every aspect of the process. The process was seamless, and we never had any doubts that she would get it done and that she did! We are forever grateful to Rachel and Catherine for all of their determination and tenacity to get us the outcome we needed and deserved.

We could not recommend better representation and are indebted to them for making us whole again. Thank you so much Rachel and team!

Jam

Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

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G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

Related:  Gregory Dell
Misty A.

I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

Related:  Alex Palamara
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5 Ways We Help Get Your Benefits Paid

Get Your Disability Application Approved

Our goal is to get your application for disability insurance benefits approved. Applying for disability insurance benefits can be a difficult process and the information you provide is critical. Most disability insurance companies look at your application in hopes of finding a reason to deny your claim. Your disability company will ask you to complete numerous forms, interview you, request lots of information, speak with your doctors and possibly request to have you examined by their hired gun doctor.

Through our experience of having helped thousands of disability insurance claimants, our disability insurance lawyers will guide you through the entire application process and give you the best chance to get your disability claim approved the first time.

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Submit A Strong Appeal Package

If your disability insurance benefits have been wrongfully denied, then our disability insurance lawyers know exactly what it takes to get your disability claim approved. You only get once chance to submit an Appeal, therefore every piece of evidence that will support your disability claim must be included. The goal is to win your disability benefits at the Appeal level, but while preparing your Appeal you must consider how a federal judge will review your disability claim if your benefit denial is upheld.

Preparing a strong disability appeal package is an art that requires you to understand how the courts interpret your disability policy language, ERISA regulations / laws, and how to strategically present evidence in support of your definition of disability. We encourage you to contact any of our long-term disability attorneys for a free immediate review of your disability denial.

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Sue Your Disability Company

98% of the disability insurance lawsuits filed by our law firm have resulted in either the payment of benefits or a lump-sum settlement agreement. Our disability insurance attorneys have filed ERISA governed and private policy long term disability insurance lawsuits against every major disability insurance company in state and federal courts nationwide and we love fighting for the little guy against the multi-billion dollar insurance company giants.

We have recovered hundreds of millions of dollars for our clients and we would like the opportunity to provide you with a free review of your disability benefit denial. There are many complex factors in a disability benefit lawsuit and the legal battle to win long term disability benefits can be fierce.

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Prevent A Disability Benefit Denial

Approval of long-term disability is a continuous process as every disability insurance company will evaluate your eligibility for benefits on a monthly basis. You can never let your guard down and assume that your disability company will continue to pay your benefits for as long as you think you need them.

Our disability insurance law firm offers a reasonable flat fee monthly claim handling service in which we handle every aspect of your long-term disability claim and do whatever it takes to make sure you are paid every month.

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Negotiate a Lump-Sum Settlement

Let's discuss if a lump-sum settlement or buyout of your disability insurance claim is both available and makes financial sense for you. Our disability insurance lawyers have negotiated more than five-hundred million dollars in disability insurance buyouts and we know how to get you a maximum settlement. A disability insurance company is not required to offer a buyout and not every disability company offers them.

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Questions About Hiring Us

Who are Dell Disability Lawyers?

We are disability insurance attorneys that know how to get your short or long term disability benefits paid. As a nationwide law firm we have helped thousands of disability insurance claimants throughout the United States to collect hundreds of millions of dollars of disability insurance benefits from every major disability insurance company.

Our attorneys have been able to either get our clients paid monthly disability benefits or obtain a one-time lump-sum settlement in more than 98% of our cases. Our disability insurance lawyers have seen it all when it comes to disability insurance claims and we know exactly what it takes for your disability claim to be approved.

We offer disability insurance attorney representation nationwide and we welcome you to contact any of our LTD lawyers for a free immediate review of your disability claim. We also invite you to visit and subscribe to our YouTube channel where we have more than 900 videos and regularly provide tips to help protect your disability benefits.

Who do you help?

Our disability insurance attorneys help individuals that have either purchased a long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer. We have helped individuals in almost every type of occupation with monthly disability benefit payments ranging from $1,500 to $50,000.

Our clients include all types of employees ranging from retail associates, sales representatives, government employees, police officers, teachers, janitors, nurses, pilots, truck drivers, financial advisors, doctors, dentists, veterinarians, lawyers, consultants, IT professionals, engineers, professional athletes, business owners, and high level executives.

A strong understanding and presentation of the duties of your occupation is essential for securing disability insurance benefits.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability insurance lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via phone, email, fax, or video conferencing sessions. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability insurance attorney. We can be reached at 800-698-9159 or by email. Lawyers and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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