The denial of a long-term disability (LTD) insurance claim by Reliance Standard can thrust individuals and families into a state of uncertainty and financial strain. Denied insurance claims can leave individuals feeling powerless and overwhelmed. However, with the right legal representation, you can regain control of your situation and take proactive steps toward securing the financial support you need.
At Kantor & Kantor, we recognize the profound impact such denials can have on your life. Our commitment is to provide unwavering support and strategic legal guidance to help you navigate the intricate challenges of Reliance Standard LTD insurance claim denials.
The complexities surrounding LTD claims can be overwhelming, often requiring an understanding of both legal intricacies and the specific nuances of insurance policies. We understand that each case is unique, and our legal team is prepared to invest the time and expertise necessary to unravel the complexities of your denied claim.
If you have received a denial from Reliance Standard for your LTD insurance claim, we urge you not to lose hope. Contact Kantor & Kantor at 818-886-2525 to schedule a free consultation with one of our LTD attorneys.
We recognize the challenges you face after a Reliance Standard LTD claim denial and are committed to meticulously reviewing your case, ensuring accuracy and consistency. We offer a free case evaluation to discuss how our attorneys can assist you. Contact us now at 818-886-2525 for a free consultation.
What Is Reliance Standard?
Reliance Standard Insurance is affiliated with the Tokio Marine Group, a prominent and well-established insurance conglomerate in Japan with a global operation generating over $30 billion annually. Regrettably, some customers face challenges as the company frequently denies, delays, or reduces claim payments.
This insurance company struggles with organization and customer satisfaction despite its longstanding presence. According to a survey, most of its customers expressed deep dissatisfaction and indicated they would not renew their insurance plans. Furthermore, most customers reported being dissatisfied or very dissatisfied with Reliance Standard’s handling of their claims. It is important to consider these findings when navigating the process of submitting a disability claim to this insurer.
This stems from Reliance Standard’s cost-effective strategy of opting to maintain a legal team to contest claims rather than promptly fulfilling owed payments. The company assumes that most customers lack the means or expertise to mount a successful challenge.
Reasons Reliance Standard Denied Your Long-Term Disability
Understanding the specific reasons behind Reliance Standard’s denial of your LTD insurance claim is paramount to mounting a successful appeal. Here are common reasons why such denials may occur:
1. Insufficient Medical Evidence
One of the most common reasons for denial is inadequate medical documentation to substantiate the disability. Insurance companies require comprehensive, ongoing medical records demonstrating your condition’s severity and duration. They may argue that the evidence provided does not sufficiently prove that you cannot perform your job duties.
2. Pre-existing Conditions
Insurance policies often have exclusions for pre-existing conditions. If the insurance company determines that your disability is related to a condition that existed before your coverage began, they may deny your claim.
3. Policy Exclusions
Long-term disability policies may exclude certain conditions or injuries from coverage. Common exclusions include mental health conditions, self-inflicted injuries, or conditions resulting from substance abuse.
4. Administrative Errors
Clerical or administrative errors, such as missing information, incorrect forms, or missed deadlines, can result in claim denials. Even small mistakes can lead to a denial.
5. Lack of Objective Evidence
Insurance companies prefer objective evidence, such as test results and imaging studies, to support a disability claim. They may deny claims that rely heavily on subjective reports of pain or other symptoms.
6. Retaliatory Actions Against Claimants
In some cases, insurers may retaliate against claimants or their legal representatives for challenging claim denials or filing complaints, such as increasing premiums or threatening to cancel other insurance policies.
7. Ignoring or Misrepresenting Medical Advice
Insurers may ignore or misrepresent medical opinions and recommendations from healthcare providers to support their decision to deny benefits.
8. Lack of Transparency
Insurers may fail to provide clear explanations for claim denials, or the criteria used to assess disability, making it difficult for claimants to understand the reasons for the decision.
9. Unfair Surveillance or Investigation Tactics
Insurance companies may engage in invasive surveillance or investigation tactics, such as covert surveillance or social media monitoring, to discredit claimants’ disability claims.
Our attorneys at Kantor & Kantor will help you gather all medical records and other documentation to help you fight your Reliance Standard LTD insurance claim denial.
Unfair Tactics Used by Reliance Standard to Deny Insurance Claims
Reliance Standard, like many other insurance companies, may resort to unfair tactics to deny legitimate claims. Understanding these tactics is pivotal in formulating a robust strategy to challenge denials. Here are some common unfair tactics that Reliance Standard may use:
1. Selective Review of Medical Evidence
Insurance companies may selectively review medical records to downplay the severity of your condition or overlook crucial evidence supporting your disability. They may focus on minor details while disregarding the overall impact of your impairment.
2. Surveillance
Insurers may conduct surveillance on claimants in an attempt to discredit their disability. They may hire private investigators to monitor your activities, looking for any evidence that contradicts your claimed limitations. Even if they do not observe you contradicting your stated abilities, they may try to portray whatever they do observe as somehow in conflict with your credibility as a whole.
3. Independent Medical Examinations (IMEs)
Insurance companies often require claimants to undergo IMEs by their chosen physicians. These exams may be biased towards the insurer’s interests, resulting in assessments that underestimate the severity of your condition or deem you fit for work prematurely.
4. Allegations of Malingering or Exaggeration
Insurance companies may accuse claimants of malingering or exaggerating their symptoms to prolong disability benefits unlawfully. They may use inconsistencies in medical records or subjective assessments to cast doubt on the legitimacy of your claim.
5. Policy Interpretation
Insurers may interpret policy language to favor the denial of benefits. They may exploit ambiguous terms or exclusions in the policy to justify their decision, even if it contradicts the original intent of the coverage.
6. Limiting Benefits
Most policies have limitations for mental health disabilities, capping the amount payable to two years of benefits. Insurers may try to classify your claim as primarily based on mental health issues despite your disability being primarily physical.
For more information about your legal options and to determine if we can assist with your case, contact our Reliance Standard LTD attorneys at 818-886-2525.
What Can I Do If I Receive a Reliance Standard LTD Denial?
Receiving a denial from Reliance Standard on your LTD insurance claim can be disheartening, but it does not signify the end of the road. There are proactive steps you can take to challenge the denial and pursue the benefits you rightfully deserve:
- Understand the Denial Reasons: Review the denial letter from Reliance Standard. Understand the specific reasons cited for the denial. This information is crucial for building a targeted and effective appeal.
- Gather Comprehensive Documentation: Collect all relevant medical records, treatment plans, and other supporting documentation substantiating your disability claim. Thorough documentation is essential to counter any discrepancies raised by Reliance Standard.
- Consult an Experienced Attorney: Seek legal representation from an attorney experienced in handling LTD insurance claims, especially those involving Reliance Standard. An attorney can assess the denial, advise you on the strength of your case, and guide you through the appeals process.
- Appeal the Decision: Most insurance policies, including those of Reliance Standard, provide an appeals process. Prepare a comprehensive appeal, addressing the reasons for denial and presenting strong evidence supporting your claim. An attorney can assist in crafting a compelling appeal that maximizes your chances of success.
- Engage in Negotiations: Your attorney may negotiate with Reliance Standard to resolve the dispute amicably. Skilled negotiation can sometimes lead to a favorable resolution without the need for prolonged legal proceedings.
- File a Lawsuit if Necessary: If all else fails, filing a lawsuit against Reliance Standard may be the next step. Our Reliance Standard LTD insurance claim denials attorneys will guide you through litigation, representing your interests in court and advocating for the benefits you deserve.
Why Choose Kantor & Kantor?
At Kantor & Kantor, we are not just another law firm but people helping people, and we are your dedicated advocates in the pursuit of justice and fairness. Here is why you should choose us as your Reliance Standard LTD insurance claim denial attorney:
Specialization in Insurance Law
Our firm focuses on insurance law, particularly handling denied LTD claims. This specialized focus allows us to stay at the forefront of developments in this complex legal arena, ensuring that we bring a depth of knowledge and expertise to every case we handle.
Established Record of Accomplishments
With a history of successful results for our clients, we have earned a reputation as trusted advocates in insurance claim denials. Our track record speaks for itself, as we have helped countless individuals secure the benefits they deserve from insurance companies like Reliance Standard.
We Put You First
We prioritize the needs and concerns of our clients above all else. We understand that navigating a denied insurance claim can be stressful and overwhelming, so we provide compassionate guidance and support every step of the way. Our Reliance Standard LTD insurance claim denials attorneys take the time to listen to your story, understand your unique circumstances, and tailor our legal strategy to achieve the best possible outcome for you.
We Will Advocate For You With Everything We Have Got
When challenging an insurance claim denial, we are unafraid to take on powerful insurance companies like Reliance Standard. Our Reliance Standard LTD insurance claims denials attorneys are known for their tenacity and dedication to fighting for our client’s rights. Whether through negotiation, litigation, or alternative dispute resolution methods, we will pursue every available avenue to secure the benefits you deserve.
A History of Winning Cases Against Reliance Standard
We have a history of success against Reliance Standard in various legal settings. Our legal victories include cases where Reliance Standard’s denial tactics were rigorously contested, and we emerged triumphant. These successes illustrate our prowess in dismantling Reliance Standard’s defense strategies and advocating effectively for our clients. Here are some cases we have won against Reliant Standard:
- Price v. Reliance Standard Life Insurance Company, 2023 WL 2600453 (U.S Dct., N.D. CA) 2003,
- Tekmen v. Reliance Standard Life Insurance Company, 55 F.4th 951 (4th Cir. 2022)
- Cochran v. Reliance Standard Life Insurance Company, 2018 WL 1725650 (USDC C.D. CA 2018)
- Patterson v. Reliance Standard Life Ins. Co., 986 F.Supp.2d 1140 (USDC C.D. CA 2013)
- Archuleta v. Reliance Standard Life Ins. Co., 504 F.Supp.2d 876 (USDC C.D. CA 2013).
How Our Reliance Standard LTD Insurance Denial Attorneys Can Help
We recognize that facing a Reliance Standard LTD insurance claim denial is distressing. Our legal team is committed to guiding you through the intricate process of appealing the denial and securing the benefits you deserve. Here is how we can assist you with your case:
Thorough Evaluation of Your Case
Our experienced LTD lawyers will thoroughly evaluate your case to determine the strength of your claim. We will review your insurance policy, medical records, and other relevant documentation to assess your eligibility for benefits.
Strategic Claim Preparation and Submission
Preparing and submitting an LTD claim requires attention to detail and thorough documentation. We will assist you in gathering the necessary evidence and completing the required paperwork to ensure your claim is submitted accurately and on time.
Claim Denial Appeals
If your claim is denied, we will not hesitate to challenge the decision through appeals. Our attorneys have extensive experience in handling claim denial appeals. We will thoroughly review the denial letter, identify the reasons for denial, and develop a strong appeal strategy. Whether it involves providing additional evidence, challenging the insurer’s decision, or filing a lawsuit, we will do whatever it takes to fight for the benefits you deserve.
Litigation Support
In some cases, litigation may be necessary to secure the benefits you deserve. If negotiations with the insurance company are unsuccessful, we are prepared to take your case to court and present a compelling argument on your behalf.
Contact a Reliance Standard LTD Insurance Denial Attorney Today
Don’t let a Reliance Standard LTD insurance claim denial derail your financial security. Contact Kantor & Kantor today to schedule a consultation with a knowledgeable attorney. We are people helping people, and we are committed to advocating for your rights and helping you get the compensation you deserve. Contact us at 818-886-2525 for a free consultation.

Attorney Glenn R. Kantor
Glenn Kantor is a founding partner of Kantor & Kantor LLP. As a young attorney, Glenn saw the injustice of wrongful insurance denials and created a law firm to represent individuals seeking to obtain their rightful benefits. Glenn is committed to ensure that clients receive the benefits they are entitled to under their insurance policies or group health plans. [Attorney Bio]