Disability Insurance

Long-Term Disability Appeals

Posted by on Aug 28, 2017 in Disability Insurance | 0 comments

Disabilities, injuries, and illnesses can affect your ability to work and provide for yourself and your family. Your disability can directly inhibit your ability to work a certain amount of hours, limit the tasks you can complete, and it may be the reason you cannot work at all. When your benefits are denied, your future can look bleak as your financial security is in jeopardy. Fortunately, there is a system in place to appeal this denial and thus give you another chance at receiving the benefits that will combat your inability to work due to disability. Appealing long-term disability denial is a lengthy, complex process, but it might be the only way to stay afloat financially.

Fields Law Firm states the four possible steps of your appealed denial to be, “reconsideration, hearing by an administrative law judge, review by the appeals council, and federal court review.” Before these steps can be taken, it is important to remember you should act quickly. There is typically a 180-day window in which you can appeal your denial. It is also important to be equipped and prepared. Obtaining a copy of your long-term disability policy, any relevant medical records, and testimonials of people in your workplace and personal life can benefit your case. It can also be beneficial to read carefully and fully comprehend your denial letter in order to be well informed on your case. Finally, it cannot hurt to be aware of similar appeal cases so you can use those decisions to your advantage when appealing a denial.

Reliance Standard Life Insurance Company has been accused, on several accounts, of using bad faith tactics when it comes to approving or denying long-term disability claims. Reliance Standard can give you long-term and short-term benefits when your injury, illness, or disability affects your ability to work. Reliance Standard has the ability to define “disability” in their own words and subjective opinions. To receive long-term benefits that go beyond their initial 24-month period, the claimant must be unable to perform “any occupation” that fits their qualifications. However, under this long-term disability benefit description, Reliant Standard states that you cannot receive benefits that go beyond two years if the disability is related to mental illness. With these arbitrary policies in place, Reliant Standard has come across some issues of malpractice. You can read some of the “bad faith” tactics of Reliant Standard Life Insurance Company here. However, most of the lawsuits Reliant Standard faces are due to their inability to provide coverage for disabilities that are directly stated in their policy.

When your request for disability benefits is denied, it is not the end of the road. Though the appeals process is lengthy and complex, it is a vital course of action for you to receive the benefits you deserve. Most law firms will recommend that you research the outcomes of sample cases to help your appeal, and the bad faith tactics used by Reliance Standard Life Insurance serve as an excellent example of case outcomes you can use when fighting for the compensation you justly and fairly deserve.

Read More