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Reliance Standard Life Insurance Company sued by occupational therapist for denial of disability insurance benefits

Occupational therapist Ernesto R. Campos has filed a lawsuit naming Reliance Standard Life Insurance Company, Rehab America, Inc., Group Long-Term Disability Insurance Plan and Rehab America, Inc. as the defendants. Campos and his disability lawyer filed his complaint in the Western District of Tennessee Eastern Divisional Office at Jackson concerning a disability insurance plan under ERISA. Campos’s complaint states that he and his disability attorney believe that Reliance, as the entity that decides on benefits claims, is “under a perpetual conflict of interest” because they fund his disability insurance plan and also decide if he qualifies as a disability benefits recipient as well. He purports that as the decision maker and the fund provider of his plan, Reliance “allowed its concern over its funds to influence its decision-making” and has taken advantage of “the potential applicability of ERISA to claims.

Background Of Campos’s Disability Claim

Ernesto R. Campos was employed by Rehab America, Inc. as an occupational therapist, and as such, he was covered under his employer’s Reliance Insurance Plan. While under the coverage of the Plan, Campos became disabled and remains so per the specifications of his plan. Campos provided Reliance with all the required documentation proving his status as permanently disabled to no avail. Reliance has, so far, denied all of Campos’s requests for disability benefits.

Initially, Reliance did supply Campos with benefits, but later denied his claim. Consequently, Campos proceeded to appeal the decision of Reliance through the insurance provider’s ERISA appeal process and administrative procedures. Now, after exhausting all his options to solve his disability benefits dilemma, Campos has found himself in a situation where only legal action will prevail. On March 30, 2011, Campos and his Tennessee disability attorney filed a lawsuit and asked for the following remedies from the District Court.

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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.

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.

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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.

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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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