Reliance Standard Insurance Company Overturns Decision to Deny Long-term Disability Benefits to Pediatrician 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 fatigue.

As a result of her debilitating symptoms, Dr. Julie was forced to stop working and submit a long-term disability claim with her employer sponsored group long-term disability insurer, Reliance Standard Insurance Company. After receiving her claim application and attending physician reports declaring her totally disabled from her own occupation as a pediatrician, Reliance Standard approved the disability claim.

However, after only paying benefits for 2 months, Reliance Standard terminated her disability claim, and stated that her impairments from her own occupation were no longer supported.

Dr. Julie’s occupation as a pediatrician required working at a medium physical demand level. It required her to often exert 20 to 50 pounds, which most often occurred when she was lifting and carrying child patients. It also required critical thinking and analysis when treating children, who often presented with a wide variety of acute and chronic health issues. Given her chronic peripheral neuropathy and fatigue caused by her chemotherapy treatment it was absolutely clear that Dr. Julie was unable to work in her own occupation.

Dr. Julie was referred to Dell & Schaefer by a local attorney she had contacted. Although the attorney handled employment matters, the handling of a long-term disability insurance claim was outside of her field of expertise. Dr. Julie hired Attorney Cesar Gavidia and his team to address the denial of her disability claim. Although there was the strong likelihood that Dr. Julie’s claim was not governed by ERISA, since her employer was a public hospital, Attorney Gavidia determined that the best and safest course of action was to submit an administrative appeal to Reliance Standard addressing the arbitrary denial.

In addition to submitting evidence of her disability by way of her medical records, Attorney Gavidia and his team attacked the fact that Reliance Standard failed to perform an accurate vocational assessment of Dr. Julie’s occupational duties. The Appeal also addressed that Reliance Standard made no attempt to contact Dr. Julie’s treating physicians to discuss the extent of physical and cognitive restrictions and limitations, nor did Reliance Standard perform a functional capacity examination (FCE) or Independent Medical Examination (IME) to assess her physical functional limitations. It was clear that Reliance Standard’s decision to deny Dr. Julie’s long-term disability claim was not supported on the basis of any reasonable or substantiated medical evidence.

Soon after the Appeal was submitted, Reliance Standard notified Dr. Julie that its prior adverse decision to deny her claim was being overturned. Soon after receiving notice that Reliance Standard had overturned its decision and reopened her claim, Dr. Julie was approved for social security disability benefits as well. Although the initial battle was won, Reliance Standard’s requests for medical records, claim forms and attending physician statements continue. If the requests are not fulfilled in a timely manner, Reliance Standard threatens to terminate the disability claim. Attorney Gavidia and his team remain involved so as to ensure that Reliance Standard does not again arbitrarily deny Dr. Julie’s disability claim.

Feel free to contact Attorney Cesar Gavidia to discuss any questions that you may have regarding your long-term disability insurance claim.

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.

Dell & Schaefer Client Reviews   *****

Leza A.

Desperarate & feeling like I was on a raft floating farther… out to sea. By the time I was diagnosed (it was close to a year) with fibromyalgia. I was in so much pain “ALL” over my body, feeling desperate for relief of my pain and the feeling of foggy headed (foggy headed is one of the conditions of Fibro). I wasn’t getting better instead my pain was getting worse. I was thinking about my career that I worked so hard to get where I was. I more than missed and loved my career.

My husband used to say that I loved my career more than him (so wasn’t true) but, I would do things like cancel a trip (40th birthday trip) in order to get the job done at work/make it happen (New Home R/E Sales). My career was a “very” physical and also required to be mentally sharp at all times.

What I thought at the beginning of feeling ill was going to be out from work for maybe a few days to a week, didn’t happen. Then I got to the point of being out from work for a year and realizing this was going to be a challenging and long road. In dealing with the short/long term disability company was getting to the point I couldn’t handle it. So… I got on the computer when I had short breaks from being foggy minded (took weeks of searching). So the search for someone/company who could take the challenge to keep up with the demands of paper work from the disability company with my short/long term disability company and who was successful at fighting this kind of case and with my medical diagnoses of fibromyalgia (I had been denied after the first few months of short term disability). I found Dell & Schaefer Law Firm who had a successful out come with not only the disability company that I had but, also against working with a fibromyalgia case.

I am blessed to have come across Dell & Schaefer and then I was blessed to have/be working with Rachel Alters! I found it was/hasn’t been easy in any way to deal with a case of fibromyalgia but, I am so more than happy I have/am working with Dell & Schaefer “Rachel Alter”. If I was up to it (not with fibro) I would be dancing all night long celebrating (I loved to dance all the time before fibro)! The many… appeals, time and all the hard work it took, my/our case has been over turned! I was caught off guard when I received the call from Rachel Alter! When I answered it I was thinking we were needing more documentation or another specialists to state where I am with my illness but, I got the best news in years and I just started crying out of control with tears of happiness! Tears of happiness have not been a part of my life in many years. Yea!!!!!! FYI… This was a challenge for me to write due to not being able to sit or type due to my pain of fibromyalgia but, so worth sharing my experience with choosing Dell & Schaefer “Rachel Alter & Team” ! Again… I am so blessed to have contacted Dell & Schaefer!!! Thank You Dell & Schaefer “Rachel Alter & Team”… :-)

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us