Reliance Standard Long Term Disability Insurance Claim Lawyers

If you or your loved one has developed a disabling and need to file a long term disability insurance claim with Reliance Standard Insurance Company, be sure to protect yourself and your claim by hiring an experienced disability lawyer to represent you.

If your disability claim has been unfairly or prematurely denied or terminated, the team of disability insurance attorneys at Abell and Capitan Law will discuss your situation and advise you of your legal options. We have extensive experience helping people take on the big insurance companies like Reliance Standard, and we’re confident that we can help you get the benefits you are owed.

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. Long term disability claims 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

Abell and Capitan Law can help you with an application for long-term benefits, or can assist you with a denied application or terminated disability insurance claims. Our skilled attorneys have extensive experience handling a wide variety of long-term disability claims. Our disability insurance attorneys 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 terminate 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 disabling condition 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.
  • 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 knows how much these long term benefits mean to you and those who depend on you. That’s why we aggressively fight for our clients and will do anything in our power to get you what you’re owed.

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 upfront and will not charge you any attorney’s fees until you receive the disability benefits you’re entitled to. 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.

Written by : Erik Abell & Joe Capitan

Last Updated: December 22, 2021
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