Reliance Standard Insurance Co: Understanding Your Coverage and Options

Reliance Standard Insurance Co offers a range of coverage options to suit individual needs.

Their group life insurance plans typically have a minimum coverage amount of $10,000 and a maximum coverage amount of $100,000.

With Reliance Standard Insurance Co, you can choose from a variety of payment options, including level premium and graded premium plans.

Some plans may also offer a waiver of premium feature, which allows you to continue coverage without paying premiums in the event of a disability.

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Filing a claim with Reliance Standard is a straightforward process. A disability claim representative will evaluate your application and may contact you to gather information about your daily activities and symptoms.

You'll need to provide detailed information about your disability, including any previous claims you've filed with other insurance companies or Social Security Disability Insurance.

Reliance Standard uses outside medical reviewers to assist with the appeal process if your claim is denied. This ensures a thorough and impartial review of your case.

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If you file a claim for disability insurance benefits with Reliance Standard, a representative will evaluate your application and may contact you to discuss your activities of daily living, self-reported symptoms, and other disability claims you may have filed.

Reliance Standard uses a team of experts to review your claim, and they may ask you for more information to help them make a decision.

The company uses outside medical reviewers to assist with processing long-term disability claims during the appeal process.

Reliance Standard handles a range of claims, including group long-term disability, ERISA disability claims, individual disability insurance, Social Security Disability Claims, and long-term care insurance.

The company's disability claim representatives will evaluate your claim and may contact you to discuss the facts and circumstances of your claim.

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To start the claims process, you'll need to provide some basic information.

You can use the contact information below to submit your Reliance Standard disability claim to the insurance company.

Reliance Standard Life Insurance Company is the company you'll be working with.

Their mailing address is PO Box 8330 in Philadelphia, PA.

If you need to get in touch with them by phone, you can call 351-75.

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Reliance Standard insurance company is notorious for unfairly denying long-term disability claims.

Many people have been caught off guard by Reliance Standard's aggressive tactics. They might deny your claim for long-term disability benefits without properly evaluating your medical condition.

You're not alone if you've been denied benefits by Reliance Standard. In fact, it's not unusual for them to deny claims by any means necessary.

Reliance Standard might deny your claim due to a lack of sufficient medical evidence or if they argue with you about what medical treatment you should be getting.

Here are some possible reasons your long-term disability claim was denied by Reliance Standard:

Don't let Reliance Standard's tactics intimidate you. With the help of an experienced long-term disability attorney, you can reverse an initial denial, get existing benefits reinstated, or get a money settlement.

If you receive a denial from Reliance Standard, don't give up hope. You can appeal the decision by submitting a written request to the Quality Review Unit at Reliance Standard Life Insurance Company, PO Box 8330, Philadelphia, PA 19101-8330.

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A Reliance Standard disability claim representative will evaluate your application and may contact you to gather information about your activities of daily living, self-reported symptoms, and other disability claims you may have filed.

To strengthen your appeal, it's essential to prepare a solid case. This includes obtaining the complete claim file, conducting a medical review, and evaluating all the medical records and vocational evidence considered by Reliance Standard.

A seasoned and experienced long-term disability attorney can help you navigate the complex ERISA rules and regulations. They can ensure you understand your policy and ERISA laws, help you with the claims and denial process, and fight for your rights in a lawsuit against Reliance Standard.

If you're unsure about how to proceed, consider hiring a law firm that specializes in ERISA disability claims, like the Ortiz Law Firm. They offer a "No Recovery, Zero Fee Guarantee", which means you only pay an attorney fee when disability benefits are recovered.

Here are some examples of successful appeals handled by the Ortiz Law Firm:

These cases demonstrate that it's possible to overturn a denial and secure the benefits you deserve.

Your policy defines what's considered a disability, and it's not determined by law. The definition is specific to your policy and may vary depending on the insurance company.

To qualify for benefits, you must meet the policy's definition of disability, which is usually tied to your occupation and education level. For example, Reliance Standard's policy defines disability as an inability to perform the material duties of your regular occupation during the initial 24-month period.

The policy also outlines specific limitations, such as the Mental or Nervous Disorders Limitation, which can affect your benefits. This limitation means benefits are not payable beyond 24 months for disabilities caused by or contributed to by mental disorders like anxiety and depression.

Your disability insurance contract is the most crucial document in the process, defining the type of coverage and duties of all parties involved. It's essential to understand your policy's terms to navigate the claims process successfully.

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Your policy's definition of disability is what matters when it comes to filing a claim. It's defined in your disability insurance policy, and it's not determined by any specific laws.

Reliance Standard, for example, defines disability differently depending on the duration of benefits. Initially, they define it as an inability to perform one's own occupation. After 24 months, they define it as an inability to perform any occupation.

To qualify for benefits, you must meet the policy's definition of disability. This means you must demonstrate an inability to perform material duties of your regular occupation during the initial 24-month period.

The definition of disability can change after 24 months, so it's essential to understand your policy's terms. Reliance Standard's policy, for instance, requires a claimant to be unable to perform the duties of any occupation that their education, training, or experience reasonably allow.

The Mental or Nervous Disorders Limitation is another crucial aspect of your policy. Benefits are not payable beyond 24 months for any disability caused by or contributed to by a mental disorder, including anxiety and depression.

It's crucial to review your policy to determine the exact definition of disability Reliance Standard will use to evaluate your claim.

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As you consider your annuity policy, it's essential to weigh the pros and cons of your provider.

Reliance Standard offers a generous 4% bonus on their Apollo fixed annuity if you choose to annuitize your contract, which can be a significant advantage.

Their annuities are widely available in all 50 states, plus D.C. and Puerto Rico, giving you flexibility in your purchasing options.

Reliance Standard has received excellent financial strength ratings from top credit rating agencies, indicating their ability to meet their obligations.

However, it's worth noting that Reliance Standard only offers fixed and indexed deferred annuities, limiting your product options.

Here are the key pros and cons to consider:

There are three main forms of disability support: employer-provided long-term disability insurance, individually bought long-term disability insurance, and Social Security Disability from the government.

Employer-provided long-term disability insurance often falls under ERISA, the Employee Retirement Income Security Act.

Under most ERISA plans, you'll be required to apply for Social Security Disability Insurance (SSDI) benefits from the government.

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Generally speaking, ERISA policies are less expensive than individual policies, but the benefits are also less generous.

It's typically harder and takes longer to get Social Security Disability benefits than long-term disability benefits.

The government benefits may pay less than private insurance benefits.

Here are the main differences between the three forms of disability support:

Don't accept a Social Security Disability representative sent to you by your long-term disability insurance company.

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