The Standard serves individuals, families, and business organizations. The insurer offers a range of products, including both personal insurance and investments, and is also a leading provider of workplace benefits.
Among its product options, The Standard offers short and long-term disability insurance policies, as well as critical illness coverage, hospital indemnity policies, and more. The insurer promises that its “customized long-term disability solutions… treat the whole person,” and “help employees get back to work as quickly as possible.”
Unfortunately, The Standard does not always live up to the promises it makes. In fact, many disabled policyholders make a benefits claim, only to find their claim is improperly delayed or benefits are denied when they shouldn’t be.
If you find yourself in this situation, reach out to Julie A. Rice Law today to get help from a trusted long-term disability denial attorney who has helped many clients navigate The Standard’s appeals process.
Our firm will help you to meet appeal deadlines, present the right evidence, and maximize your chances of a successful appeal after denial. Give us a call today to learn more.
What to do if The Standard improperly denies your long-term disability benefits claim
When The Standard denies a claim, the insurance company must provide justification for the denial, as well as instructions for filing an appeal. You will need to read this information carefully to ensure that you:
- Address The Standard’s concerns about your claim by providing complete, comprehensive evidence of your disabling condition and its impact on your ability to work
- Respond with your disability appeal by the required timeline in order to ensure you retain your rights to appeal the denial
Workplace plans offered by The Standard are generally regulated under ERISA, which means that filing a lawsuit in court is not possible until you have exhausted the internal appeals process. It also means you won’t be able to present any evidence in court that you did not provide to the insurer during the claim process.
Since ERISA claims are governed under different rules, you will need to follow different processes in appealing your denial if you have workplace benefits versus individual disability coverage.
Julie A. Rice Law knows how to handle all types of long-term disability denials by The Standard, and we’ll help you to follow the legal path that’s right for you.
Can a long-term disability denial lawyer help if The Standard denied your claim?
The Standard is obligated to follow the contractual language included in its long-term disability policies, as well as to both follow ERISA regulations for workplace plans and to act in good faith when reviewing claims.
If the insurer falls short, a long-term disability denial lawyer can provide assistance in convincing the company to overturn your denial on appeal. If internal appeals are unsuccessful, your attorney can also help with pursuing legal remedies that are available to you in court.
These claims can be very complex, so you should make certain you work with a legal professional who has fought The Standard and won. Julie A. Rice Law fits the bill as we have successfully helped many clients succeed in overturning a claim denial by The Standard. Give us a call today to schedule a consultation and learn more about how we can help you.