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 her as legally blind.

Ms. L had no other choice but to stop working as a registered nurse and contact Reliance Standard to initiate a short-term disability claim. After being notified, Reliance Standard gathered all of the necessary medical records and promptly approved Ms. L’s short-term disability benefits. Following 26 weeks of short-term disability payments Ms. L’s claim was to transition into long-term disability, however, what she quickly encountered was a less accommodating and understanding Reliance Standard. Instead of seamlessly transitioning her claim from short-term term to long-term disability, and despite having received all of her medical records proving Ms. L’s blindness in her short-term disability claim, Reliance Standard denied Ms. L’s long-term disability benefits stating that she failed to furnish proof of loss. Reliance Standard gave Ms. L 180 days to appeal its decision.

Ms. L contacted Attorneys Dell & Schaefer and retained Attorney Cesar Gavidia to represent her with her appeal of benefits. Attorney Gavidia and his team began the process of gathering all of Ms. L’s medical records, even ones that Reliance Standard had already previously received in the short-term disability review. Attorney Gavidia conferred with Ms. L’s treating physicians, obtained testimonials and statements from Ms. L, her friends and family members, and methodically picked apart Reliance Standard’s internal medical assessment, all in preparation of Ms. L’s appeal.

Within a month of receiving the appeal Reliance Standard communicated its approval of benefits to Ms. L’s counsel and issued a benefit payment for all benefits owed and placed Ms. L on claim.

Ms. L is currently on claim and receiving long-term disability benefits from Reliance Standard. Attorney Gavidia and his team at Dell & Schaefer continue to monitor Reliance Standard’s actions, and ensure that all requests for medical documentation and claimant updates are addressed promptly and accurately.

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, 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   *****

Diana B. (Indiana)

Alex was very compassionate and professional in handling my case. Losing my disability caused extreme financial hardship and took a toll on my emotional health. Struggling with MS every day is a challenge, but Alex helped me greatly and was able to get my benefits reinstated as well as later he was able to get a lump sum settlement.

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