• Reliance Standard Disability Lawsuit and Claim Denial Options with a Disability Lawyer

Reliance Standard Disability Lawsuit and Claim Denial Options with a Disability Lawyer

Reliance Standard is one of the biggest names in the group long term disability (LTD) insurance world. Even though it’s a major player in the insurance industry, it deals with the same problems as other insurance companies – including high employee turnover and inadequate training. Because of this, Reliance Standard’s disability insurance claim denial decisions may not be as thorough or as well-documented as they should be. There are ways to win these claims, even if you’ve already been denied.

Top Things to Expect in a Disability Denial Lawsuit Against Reliance Standard Insurance Company

Once a lawsuit is filed against Reliance Standard, it can take a while to get the case set for trial – sometimes as long as 12 to 18 months. The claimant will be required to participate in court-ordered mediation before a trial can take place. Mediation is generally a shorter process, resolving a case in four to six months.

If mediation is unsuccessful, the judge will review the claim to determine whether Reliance Standard was “arbitrary and capricious” in their denial of your claim for coverage.

The Biggest Challenge is the Standard of Review and “Discretionary Clause” in Reliance Policy

The standard of review in an ERISA lawsuit like a Reliance Standard case is whether the denial of coverage could be considered “arbitrary and capricious.” In other words, did Reliance have a reasonable basis to deny the claim? A claimant will need to convince the judge that denial was unsupported by facts and law. Reliance Standard’s policies are governed by a “discretionary clause,” which means Reliance has broad discretion to make policy determinations and decisions; this arbitrary and capricious standard can be a tough bar.

The Best Case Scenario for a Claimant is that the Court Will Conduct a De Novo Review

In some cases, a “de novo” review can replace the arbitrary and capricious review. A de novo review means that the reviewing court applies a fresh set of eyes to the entire record in a claimant’s claim, providing the court with far more leeway to make substantive determinations on whether or not the claimant is eligible for a long term disability insurance claim.

The Definition of Disability in a Reliance Policy is Usually A “National Economy” Job Description

Many with a denied disability insurance claim are confused by the fact that their denial didn’t seem to take into account the unique duties of their job. But Reliance Standard uses a “national economy” job description, which is far more general and defines the duties of a job based solely on the job title. While this may not seem fair, as it often has the effect of denying coverage to someone who can no longer perform the majority of their job, this is the standard. As a result, you may need to utilize vocational experts or review records to clarify what job duties are beyond your capacity.

The Law Does Not Require Reliance To Defer to the Findings of a Claimant’s Treating Doctors

There’s no “treating physician” rule in the ERISA world; in other words, Reliance Standard has no obligation to defer to the opinions of your treating doctors. In this “battle of the experts,” it can be tough to prove that a Reliance-hired doctor’s review was unreasonable. But if you hire an experienced disability insurance  attorney from Dell & Schaefer to handle any appeals of your coverage denial, you’ll be able to rest assured that we’re building a thorough administrative record on your behalf.

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Questions About Hiring Us

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
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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 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 telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. 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 attorney. We can be reached at 800-682-8331 or by email. Lawyer 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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Erin P.

I have been very pleased with the services provided by Gregory Dell. His firm has always been reliable, courteous and professional. I am so relieved that he deals with my LTD provider and I have the peace of mind that is he working with my best interests in mind. Highly recommend Gregory Dell.

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