Reliance Standard Disability Insurance Claim Lawyers

The burden of a disability can be hard enough without the added stress of taking on a huge insurance company to keep the benefits that are due to you. If you or your loved one has become disabled and need to file a claim with Reliance Standard Insurance Company, call an expert disability insurance attorney who can fight them for you.

If your disability claim has been unfairly or prematurely denied or terminated, the team of disability insurance experts at Abell and Capitan Lawwill discuss your application and evaluate your options with you. We can then pursue a case against Reliance Standard until you receive the benefits that are rightfully yours. Our team of committed lawyers will fight to protect the financial security that our disabled clients and their families deserve. Contact us at (267) 419-7888 to schedule a FREE consultation to discuss how we can help you with your application, appeal, or any other legal assistance we can provide.

Why You Need a Lawyer

Easily the most common mistake that disabled claimants make is to represent themselves. Disability claims against Reliance Standard can be challenging to handle without assistance from a knowledgeable attorney. If you are facing the appeals process or any problems receiving your disability benefits, the best option for success is to hire a qualified disability insurance attorney.

Reliance Standard and other insurance companies have a financial incentive to pay out as little as possible. Owned by a Japanese company, Reliance Standard is not accredited by the Better Business Bureau, which has given the company a D- customer rating for unpaid claims and poor customer service. Consumer Affairs gives them a one-star (out of five) rating for the same reasons.

Because Reliance Standard’s review process is designed to favor themselves rather than the disabled claimant, it is necessary to build a compelling enough case to get them to reverse their decision. If they still refuse your appeal, you may have to file a lawsuit, for which you will need a skilled attorney.

A professional lawyer can communicate with the insurance company on your behalf and, if necessary, present your case in court. Beyond that, you will likely not have the future opportunity to rebuild your case or submit additional evidence. The most critical legal work happens during Reliance Standard’s administrative process. Because disability cases are fact-sensitive, a lawyer will ensure that all of the facts are presented correctly at the right time and make the most of this process.

Why Choose Abell and Capitan Law?

Our team handles both physical and mental health disability claims, as well as contractual matters that may be used to deny claims, such as pre-existing condition exclusions and mental health limitations.

Each disabled person’s medical conditions, insurance policy, and work history are different. Because the circumstances of each case are unique, our skilled professionals will work closely with each client, listening carefully to the details of your case. We promise to give you personal attention and develop a custom claim strategy for your unique situation.

No matter what stage of the case you are in, we can get involved and continue to monitor your benefits, making sure that they are not terminated prematurely. Our qualified professionals will meet the requirements for your plan’s administration, file the correct paperwork on time, gather all of the appropriate evidence necessary to prove your claim, then pursue it.

The dedicated disability insurance legal team at Abell and Capitan Lawwill work tirelessly until you get the maximum amount of benefits that you are entitled to. Our experienced attorneys are familiar with.the bag of tricks used by Reliance Standard and will sue the company, if necessary.

Cases We Handle

Reliance Standard specializes in employer-based group benefits, so most of our cases against them are workers compensation cases. Abell and Capitan Lawhandles denied or terminated disability insurance claims. We handle applications, appeals, and lawsuits on your behalf. Our skilled attorneys have in-depth experience handling a wide variety of cases. The following are the types of cases we may be able to help you with:

  • Long-term Disability – A part of the employee’s benefits package, this insurance can provide additional monthly income above federal Social Security Disability benefits.
  • Individual Disability – This insurance policy is typically acquired outside of your place of employment. It can be more expensive but provides better protection than employer-sponsored insurance policies.
  • Short-term Disability – These insurance benefits will provide temporary or partial income replacement while you take time off to recover from an injury, illness, or pregnancy.
  • Social Security Disability – In general, we only handle Social Security disability claims as an additional service for some of our long term disability insurance clients, depending on the specific circumstances of their cases.

Aside from private insurance, there may be Veterans’ disability benefits, state disability benefits, or government worker benefits available to you. Our disability insurance law professionals will thoroughly discuss all of your options with you. Our team is dedicated to protecting our clients’ best interests in disability applications, appeals, policy buyouts and settlements, and in litigation.

Frequently Asked Questions

It is common for Reliance Standard and other insurance companies to ask you to obtain an IME, which is performed by their own doctor to determine the status of your disability. If you can’t make your appointment, the company may use this as an excuse to deny your claim. Unfortunately, the appointment may be far away, at an inconvenient time or pose more danger to your health to undergo. You can request that an attorney attend the exam with you to ensure that it is fair and reasonable.

Reliance Standard will ask for your medical records and financial information and may request an IME, a Functional Capacity Evaluation (FCE), or an in-person interview with you. Additionally, they may also request your authorization to obtain other information about you. The attorneys at Abell & Capitan’s will advise you as to what documentation you are required to furnish and what personal information you are entitled to keep private.

Reliance Standard has unfortunately been known to cut off short-term disability benefits by four to six weeks, and they have terminated long-term benefits after only 12, 24, or 36 months when the definition of disability changes. Contact our team at Abell and Capitan Lawto ensure that you receive the maximum benefits that you are qualified for under your policy.

Disability Insurance Statistics

According to the Council for Disability Awareness, a lack of adequate disability insurance coverage is a growing crisis for millions of working Americans, who are experiencing severe financial difficulty if they have to miss work due to illness, injury or pregnancy. The Council offers some alarming statistics about the crisis:

  • 5.6 percent of working Americans will experience a short-term disability due to illness, injury, or pregnancy each year.
  • More than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the average retirement age.
  • Only 48 percent of American adults indicate they have enough savings to cover three months of living expenses in the event of lost income.
  • Pregnancies are the most common reason for filing a short-term disability claim.
  • Musculoskeletal disorders are the most common reason for filing a long-term disability claim.
  • Cancer is the second most common reason listed in long-term disability claims, yet cancer patients have some of the highest rates of bankruptcy.
  • Unpaid medical bills are the number one reason that Americans file for bankruptcy.

Because fewer employers are offering benefits to workers, rising medical costs, and because more Americans can’t afford to set money aside for emergency savings, an increasing number of people are facing the disastrous consequences of financial difficulty if they suffer any disability that causes them to miss work.

With the lack of available income protection, it becomes more critical than ever, in today’s climate, to hire a qualified disability insurance lawyer to protect your financial security. Our team cares about our disabled clients and will fight to ensure that you get the benefits that you are rightfully entitled to.

Contact Us Today

The dedicated legal team at Abell and Capitan Law Law are proud of our commitment to representing our disabled claimants. We strive to provide the best customer service for every client.

We understand the financial and emotional predicament that you may be in while being out of work. The law practice of Abell and Capitan Lawrequires no money up front and will not charge you any attorney’s fees until you receive the disability benefits you are owed. We have the resources necessary to pursue your case against Reliance Standard Insurance Company fully and will fight vigorously on your behalf while you focus on taking care of your physical and mental wellbeing.

Don’t hesitate to call us at (267) 419-7888 today for a free and confidential consultation, before the bills have piled up and you don’t know where to turn. We are here for you.

We’ve fought the big insurance companies.
Call, chat, or email us today to get started.