Reliance Standard Disability Claims
At BurnettDriskill, Attorneys, we assist claimants against Reliance Standard, helping you apply for benefits or challenge unfair denials in short-term disability (“STD”) and long-term disability (“LTD”) claims to protect your financial stability.
General Claims Process
Initial applications include the submission of claim forms with medical and vocational details, along with supporting information from your treating doctor. Reliance then reviews your claim for eligibility, often requesting more information or even an Independent Medical Examination (“IME”). Decisions are not immediate and guidelines for prompt decisions are not always followed. If your claim is denied, appeals must usually be submitted within 180 days with enhanced evidence focused to rebut the reasons for the denial.
Unique Facts and Challenges
Reliance often terminates benefits after 12, 24, or 36 months when the disability definition shifts from "own occupation" to "any occupation,” depending on the terms of the policy. Many claimants are led to believe that their claim is permanently approved only to learn later that Reliance no longer believes that they qualify.
Common denials stem from alleged insufficient evidence, pre-existing conditions, or policy exclusions, creating opaque and adversarial experiences.
Our focus is in building strong appeals to reverse these terminations. Let us review your Reliance Standard denial for free and guide your next steps.
