Success with Reliance Standard Long-Term Disability Denial

A client suffering from lumbar radiculopathy who performed physically demanding work. Reliance terminated long-term disability benefits contending the client could perform sedentary work in other occupations. Using a two-pronged approach, we both demonstrated the client could not perform his prior work or seated work physically, and we used vocational evidence to show the only occupations Reliance Standard identified as meeting the earnings qualifier were ones that had not existed in the American economy for decades. As a result, Reliance Standard agreed to maintain our client’s long-term disability payments.

Success with Reliance Standard Life Insurance Denial

In a life insurance case, we helped a client recover where the insured had stage four pancreatic cancer and had FMLA expiring. The insured and beneficiary called Reliance Standard asking how to continue the life insurance coverage, and were advised to use an option no longer available, rather than the conversion option that was. We helped the client recover notwithstanding Reliance Standard contending the coverage lapsed.