Representation against The Standard for Disability Claims Denial
Has your claim for disability been unfairly denied by The Standard or one of The Standard’s affiliated companies? Our disability lawyers can help protect your rights. Marc Whitehead & Associates routinely represent policyholders who are up against The Standard for disability claims denial.
The Standard Disability Insurance Company
Founded in 1906, the insurance company known as The Standard has evolved to become StanCorp Financial Group, Inc., a major seller of insurance products and a Fortune 100 company. StanCorp Financial Group is the holding company that markets its insurance products under the familiar name, The Standard.
The Standard sells individual and group disability insurance plans for both short-term disability (STD) and long-term disability (LTD) coverage. The Standard sells disability insurance policies across the U.S. through its affiliate companies, Standard Insurance Company of Portland, Oregon, and specifically in New York by The Standard Life Insurance Company.
The Standard and Bad Faith Insurance Denials
Insurance companies like The Standard are required to provide a “good faith” review of applications for disability benefits. This means they must deal thoroughly and impartially when evaluating claims. Yet many disability insurance companies deny claims in bad faith. Often this is a means to contain costs and increase company profits.
The Standard may have given you reasons for your denial that you are not satisfied with. Perhaps they have not denied your claim, but instead of an answer, you receive requests for more information, delaying desperately needed benefits month after month. It is important to know what you can do to fight back, when the insurance company does not play fair.
The reasons insurance companies give for claim denials are many.
Some denials are valid, yet often the reasons given for denied claims are unfair attempts to discourage the claimants. Common reasons used by insurance companies include:
- Your disability is not supported by your medical records
- Your disability is not supported by objective evidence
- Even though you are disabled, your physical disabilities do not prevent you from doing the tasks required in your own occupation
- The insurance company uses a broader definition of “your own occupation” thereby justifying a denial
- Even though you are totally disabled, the insurance company declares that you are able to perform “any occupation”
ERISA Appeals Against The Standard for Disability Claims Denial
If The Standard denied benefits through your employer’s group disability plan, lawsuits to appeal the denial are governed by federal ERISA law.
Organization, review and timing are key components of ERISA claims. Most attorneys are unfamiliar with the complexities of ERISA law and the ingenuity of the insurance company’s attorneys. The sooner you involve us in the process, the greater the chances are of success in proving your claim and overturning the denial on appeal.
If You Are Denied Benefits by The Standard
Time after time, we see individuals who are facing enormous health challenges and are cut off by the insurance company. The denial of a disability claim is devastating. If The Standard has rejected your claim for disability, call us – we can help. Our disability lawyers will expertly evaluate your claim, at no cost or obligation to you.
Do not delay. Ask for a Free Consultation with a lawyer about The Standard disability claims denial or call us toll free at 800-562-9830.