Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant
Our client, Mr. L, formerly worked as a Sales Consultant for a global technology company. In September 2014 a number of medical issues following an ischemic stroke forced Mr. L to stop working and submit his claim for disability benefits under his employer’s long-term disability (LTD) policy, which was funded and administered by Reliance Standard. Under his employer’s disability policy he would be considered totally disabled if, for the first 36 months, he was unable to perform, with reasonable continuity, the material duties of his regular occupation. Thereafter, he would remain disabled if he was unable to perform the material duties of any gainful occupation.
Reliance Standard found Mr. L to be totally disabled and approved his STD claim through the 3-month maximum benefit period which ended in December 1, 2014. With the expiration of the STD benefits Mr. L’s claim was submitted for continued payment under Reliance Standard’s LTD Policy, with the same definition of disability. In July 2017 Reliance Standard informed Mr. L that his 36 month benefit period would end in December 2017. In December 2017 Reliance Standard approved Mr. L for continued benefits under the Any Occupation definition of disability. Then on in April 2018, after paying Mr. L’s LTD benefit for 39 months, further LTD benefits were denied because Reliance Standard had determined that Mr. L “purportedly” failed to provide satisfactory proof of continued total disability. After receiving the denial, Mr. L contacted Dell Disability Lawyers and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in Reliance Standard’s denial letter and in the evidence it relied on and agreed to prepare and submit Mr. L’s ERISA appeal with the assistance of his appeal team.
The LTD appeal addressed all of Reliance Standard’s short-comings and reasons for denial, with a special focus on the medical records on and around the date of Reliance Standard’s denial and significant inconsistencies with its medical reviewer’s findings. In particular, the appeal addressed the fact that Reliance Standard ignored objective medical evidence from Mr. L’s treatment provider’s establishing that Mr. L’s neurological exam was positive for expressive aphasia and loss of vision on the right; right upper extremity weakness in flexion contracture at the elbow; right upper extremity exhibiting very limited strength or movement; evidence of weakness at the right knee, hip and ankle; his gait required assistance for balance; testing confirmed right hyperreflexia; and finally, Mr. L suffered with slurred speech and hand paralysis. Most notably, however, was the fact that Mr. L’s wife, now his caretaker, requested that Reliance Standard conduct an Independent Medical Examination (IME) to establish his significant functional limitations. Yet, Reliance Standard refused to request an IME.
Just over six weeks later, and after reviewing both the appeal and hundreds of pages of exhibits and medical records, Reliance Standard overturned its decision to terminate benefits, paid full LTD back benefits and reinstated Mr. L’s LTD benefits. Attorney Symonds continues to represent our client to best ensure that Reliance Standard will not terminate his benefits again. Feel free to call our disability attorneys for a free consultation regarding any matter relevant to your disability claim.
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Policy Holder Rating
Short Term Disability Claim/Inconsistent to NO Communication
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Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.
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Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.
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Reliance Standard notified me that my benefits were being stopped with no warning or reason.
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I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.
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Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.
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Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend.
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Q: Are VA disability payments considered “other income” by Reliance Standard?
Q: Denied short term disability and need to file for long term with same insurer
Q: Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?
Q: Why is Reliance Standard trying to recover payments I was awarded through another company?
Q: Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?
Q: How do I access a copy of my STD policy with Reliance Standard?
Q: If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?
Q: How can Reliance Standard not coordinate with both of my disability insurance policies?
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Why Must Your Disability Insurance Lawyer Understand Your Disabling Condition?
Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
How Do You Fight a Long-Term Disability Denial?
Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
Disability Denial Reason #1 – Paper Review & IME
How does Reliance Standard deny long term disability benefits after paying for three years?
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