Has Reliance Standard denied your disability claim? You may be eligible to file an appeal

Disability: Renal Failure, Atrial Fibrillation, Diabetes, Hypertension, Depression

Problem: A payroll supervisor from New Jersey, Lauri enjoyed her job until she developed renal failure, atrial fibrillation, diabetes, hypertension, and depression. Her condition required a hospital stay, during which she developed respiratory failure and had to be kept alive by a ventilator. In addition, she required dialysis. Her condition later improved, and she was transferred to a rehab facility. Clearly, she could no longer work. Her Long Term Disability insurer initially accepted her claim and paid benefits. Reliance Standard later denied her claim stating that she had recovered enough to perform the duties of any occupation.

Success—Reinstatement of Benefits: Not knowing how to fight them, Lauri reached out to Fields Law. Our attorneys at Fields Law began gathering updated medical records to provide a full scope of her condition. Once the records were compiled, we drafted a detailed appeal, which led Reliance Standard to overturn their denial and reinstate her benefits. Our client felt a huge sense of relief knowing that she had gotten her benefits back.

Disability: Bipolar Disorder, Depression, Anxiety, Panic Attacks, Chronic Migraines

Problem: John, a Layout Designer in Idaho, suffered from severe depression, bipolar disorder, anxiety, panic attacks, and chronic migraines. As his conditions worsened, he was taken off work by his doctors and began receiving Long Term Disability benefits. His claim was administered by a third-party on behalf of Reliance Standard.

Unfortunately, after only two months of payments, his insurer cut off his disability benefits. Reliance Standard relied upon two statements within the claimant’s medical records stating he felt a bit better, combined with its own medical record review asserting he could still work full-time, to deny benefits. This occurred even though he required ongoing and continuing hospitalizations and treatments for his conditions.

Success—Reinstatement of Benefits: Unsure how to move forward on his own, John immediately contacted Fields Law Firm for help fighting this decision. His attorney and the team at Fields Law built the evidence necessary to win this appeal and respond to all of Reliance Standard’s errors. We documented the numerous points that were ignored, misstated, and selectively cited relevant evidence to its benefit and our client’s detriment. We reached out to our client’s numerous doctors to show their support in the form of narrative reports. After reviewing our appeal, Reliance Standard reversed its decision, paid our client his back pay, and recommenced monthly benefit payments.

Disability: Electrocution, Dementia

Problem: An electrical engineer from Arizona, Jay suffered a series of electrical shocks triggering multiple cognitive and functional deficits. While receiving treatment for neuropsychological conditions, he was also diagnosed with dementia. Unfortunately, his insurer, through a third-party administrator, denied his claim for Long Term Disability benefits. Reliance Standard commissioned a medical record review and relied on that review over multiple exams and clinical documentation from our client’s treating doctors.

Success—Denial Overturned: Fields Law Firm took on Jay’s case to help appeal this decision. The lawyers at Fields Law secured narratives from multiple treating providers, responding to Reliance Standard’s denial. This included an expert opinion from an independent vocational expert documenting that he could not perform any other substantial work, let alone his own occupation. After reviewing our appeal, Reliance Standard reversed its decision, paid almost a full year’s worth of back benefits, and began making monthly payments again.