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Texas claimant takes Reliastar to task for denied disability benefits

Suffering from multiple medical conditions and unable to function in a daily job, a health care professional and her Texas disability lawyer filed a lawsuit against Reliastar Life Insurance Company to force the insurer to pay disability benefits as contracted in an employee welfare benefit plan.

Cynthia O., a “RN Bariatric Clinical Coordinator,” stopped working on January 29, 2009 due to “fibromyositis, fibromyalgia, chronic fatigue syndrome, depression, agoraphobia and panic disorder.” In addition, the medications that Cynthia was prescribed to cope with the symptoms of her maladies cause cognitive functioning problems and sedation effects.

Claimant and her disability lawyer file lawsuit per ERISA

Fully qualifying as a totally disabled per the terms of her employee benefits disability plan, Cynthia should be receiving her entitled disability benefits from Reliastar, but has been denied her benefits. According to the complaint that Cynthia’s lawyer filed on August 25, 2011 in the United States District Court for the Southern District of Texas Houston Division, the insurer violated Cynthia’s disability plan provisions and ERISA (the Employee Retirement Income Security Act of 1974) by denying Cynthia her rightly deserved disability benefits.

Basis of disability benefits case

In the complaint Cynthia’s disability lawyer notes that Reliastar has wrongfully denied Cynthia her disability benefits because:

Background of Reliastar claimant’s pursuit of disability benefits

Cynthia is 57 years old and was previously employed by St. Joseph Health System. Due to degenerative and traumatic injuries, Cynthia ceased working at St. Joseph as a RN Bariatric Clinical Coordinator on January 29, 2009, filed a claim for short term disability benefits with Reliastar and was denied disability benefits. Cynthia was further denied long term disability benefits from the insurance provider and after using all her administrative remedies, providing ample medical records that verify her disabled condition as well as evidence of her Social Security Administration favorable disability decision, Cynthia was forced to engage a disability attorney to take her case to a Texas District Court.

Claimant’s demands of Reliastar

In their complaint Cynthia and her lawyer accuse the insurer of wrongfully denying Cynthia her disability benefits in spite of medical evidence proving her disabled condition and ask the District Court to:

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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.

Dell & Schaefer Client Reviews   *****

Roycelyn G. (Kentucky)

After exhausting all efforts to find a local disability law firm to assist me with submitting claims for LTD non-ERISA and ERISA disability insurance policies, I resorted to a Google search for disability law firms. I decided to contact Dell & Schaefer Law Firm after reading their clients reviews and watching videos on their website. Within 24 hours of contacting Dell & Schaefer Law Firm, I received I call back and an appointment was made with Steven J. Dell, who after hearing my story decided to personally work with me.

He told me that he would put 100% effort to get me on claim. Mr. Dell and his assistant, Merlin Bryan were always available via phone or email to answer any questions that I had regarding my application for long term disability. He was meticulous in guiding me through the process leaving no stone unturned. My claims were approved on the initial application! I know that it was due to the diligence of my attorney, Steven J. Dell. Without Mr. Dell, my application for long term disability would have been rejected. I am very grateful to have had the representation of attorney, Steven J. Dell. 

***** 5 stars based on 202 reviews

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