The Standard Insurance Company’s denial of disability benefits is reversed on appeal

Our client, a former employee of the State of Colorado, suffers from AIDS and various secondary AIDS related diseases. His condition has severely affected his short-term memory and caused the “brain fog” that many AIDS patients are plagued with, and further affected him with sudden, explosive diarrhea, and chronic pneumonia.

Our client was initially notified by phone that his claim was approved, and almost immediately thereafter he was approved for long-term disability benefits. Subsequently, he received a correspondence from his disability insurance carrier requesting that he “apply now for Social Security Disability benefits and send [the carrier] a copy of the application receipt…” Immediately after receipt of this correspondence, our client contacted the Social Security Administration and was scheduled for an appointment to submit an application for Social Security Disability Benefits. After, submitting all applications and documentation and complying with all other requirements of the Social Security Administration, our client was approved for Social Security Disability Benefits. Our client notified the carrier of this approval who in turn sent him a correspondence demanding $10,298.00 to “repay the overpayment” by the carrier. Our client submitted a check to Standard for the full amount demanded. Soon thereafter, our client received correspondence from the carrier stating that he no longer met the definition of disability under the terms of his contract, and was being denied any further disability benefits.

Our client thereafter retained our firm to represent him in regard to this wrongful denial by the carrier of his disability benefits. Based on our appeal, our client’s insurance carrier reversed its decision, and has found our client to be totally disabled from any occupations, given his training, education, and experience at the very young age of 46.

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FAQ

Do you help Standard claimants nationwide?

We represent 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 Standard disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from 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 Standard.

How do you help Standard claimants?

Our lawyers help individuals that have either purchased a 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 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   *****

James C. (California)

Wonderful in every way. Great communication with me and with the carrier. Walked me through a very difficult time in my life. Received full benefits under the disability contract thanks to Cesar and his firm.

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