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 totally disabled if, for the first 36 months, he was unable to perform, with reasonable continuity, the material duties of his regular occupation. Thereafter, he would remain disabled if he was unable to perform the material duties of any gainful occupation.

Reliance Standard found Mr. L to be totally disabled and approved his STD claim through the 3-month maximum benefit period which ended in December 1, 2014. With the expiration of the STD benefits Mr. L’s claim was submitted for continued payment under Reliance Standard’s LTD Policy, with the same definition of disability. In July 2017 Reliance Standard informed Mr. L that his 36 month benefit period would end in December 2017. In December 2017 Reliance Standard approved Mr. L for continued benefits under the Any Occupation definition of disability. Then on in April 2018, after paying Mr. L’s LTD benefit for 39 months, further LTD benefits were denied because Reliance Standard had determined that Mr. L “purportedly” failed to provide satisfactory proof of continued total disability. After receiving the denial, Mr. L contacted Dell & Schaefer and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in Reliance Standard’s denial letter and in the evidence it relied on and agreed to prepare and submit Mr. L’s ERISA appeal with the assistance of his appeal team.

The LTD appeal addressed all of Reliance Standard’s short-comings and reasons for denial, with a special focus on the medical records on and around the date of Reliance Standard’s denial and significant inconsistencies with its medical reviewer’s findings. In particular, the appeal addressed the fact that Reliance Standard ignored objective medical evidence from Mr. L’s treatment provider’s establishing that Mr. L’s neurological exam was positive for expressive aphasia and loss of vision on the right; right upper extremity weakness in flexion contracture at the elbow; right upper extremity exhibiting very limited strength or movement; evidence of weakness at the right knee, hip and ankle; his gait required assistance for balance; testing confirmed right hyperreflexia; and finally, Mr. L suffered with slurred speech and hand paralysis. Most notably, however, was the fact that Mr. L’s wife, now his caretaker, requested that Reliance Standard conduct an Independent Medical Examination (IME) to establish his significant functional limitations. Yet, Reliance Standard refused to request an IME.

Just over six weeks later, and after reviewing both the appeal and hundreds of pages of exhibits and medical records, Reliance Standard overturned its decision to terminate benefits, paid full LTD back benefits and reinstated Mr. L’s LTD benefits. Attorney Symonds continues to represent our client to best ensure that Reliance Standard will not terminate his benefits again. Feel free to call our disability attorneys for a free consultation regarding any matter relevant to your disability claim.

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FAQ

Do you help Reliance Standard claimants nationwide?

We represent Reliance Standard clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Reliance Standard disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Reliance Standard. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Reliance Standard.

How do you help Reliance Standard claimants?

Our lawyers help individuals that have either purchased a Reliance Standard long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Reliance Standard:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
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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 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.

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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.

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