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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Shawn C. DDS

After developing a debilitating disorder which left me unable to perform my duties as a dentist I had to begin the process of filing a disability claim. I managed to secure two of the policies on my own but the group policy I had with Sunlife kept giving me the run around refusing to pay out. I soon realized I needed to find a disability attorney and that the insurance companies did not have my best interests.

After talking with a few different firms I decided to go with Dell & Schaefer. From the start the secretaries, record keeping, and Attorney Greg worked diligently on my case and within a few weeks we got a letter that the claim would be paid. I soon realized that this was one of the best decisions I had ever made.

Since hiring Attorney Dell almost 4 years ago things have run very smooth. He is thorough and very good at getting things accomplished in a professional and timely manner. He is a pleasure to speak to and always makes time for his clients. The staff has been very helpful and always willing to answer any questions.

When companies want to meet with me, Attorney Dell takes care of setting it up and makes sure that I always have some form of representation whether via phone or in person. I do not have a bad thing to say about this firm. They allowed my family and I to not have to worry about financial stress while going through this difficult time in our lives.

Thank you Greg, Anneli, Carolyn, and the rest of the team for being there for us. They are the best at what they do!

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