{"id":5993,"date":"2018-09-14T13:52:08","date_gmt":"2018-09-14T13:52:08","guid":{"rendered":"http:\/\/www.roylawpdx.com\/?p=5993"},"modified":"2022-01-24T10:14:07","modified_gmt":"2022-01-24T18:14:07","slug":"ray-v-reliance-standard","status":"publish","type":"post","link":"https:\/\/www.roylawgroup.com\/blog\/ray-v-reliance-standard","title":{"rendered":"Beating Reliance Standard Insurance at Their Own Game"},"content":{"rendered":"

Sue worked for decades as a visiting nurse for a major health network in Seattle, Washington. When she was diagnosed with a severe digestive disorder, it kept her from traveling to her patients\u2019 homes. She filed for long-term disability through her employer\u2019s policy with Reliance Standard Insurance, <\/strong>but Reliance Standard denied her claim and her appeal that followed.<\/p>\n

These denials are all too frequent<\/a> among long-term disability claims, and the system is heavily tilted in the insurers\u2019 favor. Because of complications in her case, Sue called and hired us at the Roy Law Group to help prosecute her claim against Reliance Standard. Her attorney navigated the complex appeal process<\/a> without charging her upfront fees.<\/p>\n

In the end, after years of struggle, we finally got Sue the judgment she deserved. The judge found Reliance Standard had improperly denied her claim and ordered them to pay what she was owed, plus interest and even some of her attorney fees. We also had her claim reinstated going forward for as long as she remains disabled under the long-term disability plan.<\/p>\n

Read Ray vs. Reliance Standard Life Insurance<\/em><\/a> to see the full case details and the decision.<\/p>\n

ERISA law gets complicated quickly<\/h2>\n

Sue is far from the only person to find herself on the wrong end of an Employee Retirement Income Security Act (ERISA)<\/a> disability claim. Thousands of individuals go through the same thing every year. In many cases, people will try to resolve the situation themselves, even filing their own appeals. Too often, they spend months and years battling red tape, waiting for the benefit they\u2019re owed, only to end up with nothing at all.<\/p>\n

The problem: long-term disability is an incredibly complex, technical area of law. ERISA governs it with nearly 500 pages of arcane legal code detailing how these claims must be handled. Make one small error, miss one filing deadline, and you may never have a chance to correct that mistake.<\/p>\n

It all came down to a simple error<\/h2>\n

You do have rights under ERISA, but the law is so insurer-friendly, even glaring mistakes on their part don\u2019t guarantee that a claim will go your direction.<\/p>\n

In Sue\u2019s case, Reliance Standard\u2019s denial was based on an error in the \u201cvocational review\u201d process. The insurer had incorrectly listed Sue\u2019s job description, stating she was a home care nurse working in one location, instead of a visiting nurse who travels from home to home, daily.<\/p>\n

It\u2019s understandable when seeing an error like that to think you can work with the insurer to fix it on your own.<\/p>\n

Unfortunately, big insurers like Reliance Standard have little incentive to work with you. In many cases, they only correct mistakes like these after a judge has ordered them to do so. Or, until they see the claimant has hired expert legal representation.<\/a> Frequently, a big insurer will reverse course and pay what they owe right away to avoid going to trial.<\/p>\n

You don’t\u00a0have to go at\u00a0it alone<\/h2>\n

Do you have a long-term disability claim that has been wrongfully denied by a big insurer like Reliance Standard Insurance? You can<\/em> beat the big insurers. However, it can be a long, difficult journey, and you don\u2019t have to go at it alone.<\/p>\n

Call Roy Law Group today to set up a consultation.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Sue worked for decades as a visiting nurse for a major health network in Seattle, Washington. When she was diagnosed with a severe digestive disorder, it kept her from traveling to her patients\u2019 homes. She filed for long-term disability through her employer\u2019s policy with Reliance Standard Insurance, but Reliance Standard denied her claim and her  read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":6032,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[250],"tags":[6,251,223,262,256],"acf":[],"yoast_head":"\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\n\n\n