Are insurance companies like The Standard required to provide a “good faith” review of applications for disability benefits?

Yes. Insurance companies like The Standard are required to provide a “good faith” review of applications for disability benefits and must thoroughly and impartially evaluate claims. Yet many disability insurance companies deny claims in bad faith, often as a means to contain costs and increase company profits.

What are common reasons The Standard (or other insurers) use to deny a disability claim?

Common reasons used by insurance companies include: your medical records do not support your disability; objective evidence does not support your disability; 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; and even though you are totally disabled, the insurance company declares that you can perform “any occupation.”

How do you file a The Standard disability appeal after an LTD denial?

Your attorney will begin by reviewing the denial letter to determine the reason for the denial. After reviewing the reasons given by the insurance company, your Long Term Disability attorney can gather evidence to support your appeal—often including statements from your doctors about the extent of your condition, results of diagnostic tests like MRIs and X-rays, and results of a functional capacity evaluation. Once sufficient evidence is gathered, they can submit an appeal letter requesting the insurance company review your claim with the aim of overturning the initial decision.

Long Term Disability Lawyer for The Standard

Has your claim for disability been unfairly denied by The Standard or one of The Standard’s affiliated companies? Our The Standard Long Term Disability lawyer can help protect your rights. Our team at Marc Whitehead & Associates routinely represents policyholders who face Long Term Disability (LTD) denials. We have over 120 years of combined experience and know what it takes to stand up to insurance companies. You can contact us now to review all your legal options.

Why You Need a The Standard Long Term Disability Lawyer

Hiring an attorney when an insurance company denies your Long Term Disability benefits means you‘ll have someone on your side, putting you first and explaining each step you need to take. A disability attorney can tell you everything you need to know about The Standard disability claim denials and explain the specific reasons for your denial before getting to work on an appeal. Our team understands the strategies that work to overturn denials, and we believe in putting our clients first. You do not have to try to navigate the challenging appeals process on your own. We want to help you get the Long Term Disability benefits that you earned and deserve.

For a free legal consultationwith a denied the standard disability claim lawyer serving Nationwide, call (800) 562-9830

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. They must thoroughly and impartially evaluate claims. Yet many disability insurance companies deny claims in bad faith. Often, this is a means to contain costs and increase company profits.

Nationwide Denied The Standard Disability Claim Lawyer Near Me (800) 562-9830

The Standard Disability Insurance Claim Denial Tactics

Some denials are valid; yet, often the reasons given for denied claims are unfair attempts to discourage claimants. Common reasons used by insurance companies include:

Your medical records do not support your disability
Objective evidence does not support your disability
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 can perform “any occupation”

A The Standard disability lawyer from our team can review the reasons given for your denial and then get to work on a strategy to appeal the company’s decision.

How to File a The Standard Disability Appeal

Filing an appeal after the denial of your Long Term Disability benefits will require several steps. Your attorney will begin by reviewing the denial letter you received from the insurance company to determine the reason for the denial. After reviewing the reasons given by the insurance company, your Long Term Disability attorney can gather evidence to support your appeal. In many cases, lawyers look for medical evidence, including:

Statements from your doctors about the extent of your condition
The results of diagnostic tests like MRIs and X-rays
The results of a functional capacity evaluation

Once your attorney has gathered sufficient evidence, they can submit an appeal letter, requesting that the insurance company review your benefit claim with the aim of overturning the company’s initial decision. Our firm can provide more information about what to expect when appealing an initial benefits denial.

Does ERISA Govern Your Disability Claim?

If an insurance company denied benefits through your employer’s group disability plan, federal ERISA law governs lawsuits to appeal the denial. Organization, review, and timing are key components of Employee Retirement Income Security Act (ERISA) claims. Most other attorneys are unfamiliar with the complexities of ERISA law and the ingenuity of the insurance company’s attorneys. The sooner you involve our experienced ERISA lawyers in the process, the greater the chances are of success in proving your claim and overturning the denial on appeal.

Why Choose Our The Standard Long Term Disability Claim Lawyers?

Our team at Marc Whitehead & Associates understands disability insurance claims and believes in providing the dedicated support our clients deserve after a denial. We believe in helping you get the benefits you paid for, and we can level the playing field when you have to deal with insurance companies that only care about their profits. We’ll openly communicate with you throughout every step of the appeals process, so you understand the status of your claim and the next steps you need to take. You can reach out to us now to get advice about your specific situation. We can help you avoid mistakes that could prevent you from appealing an initial denial of your disability benefits. You can also check out our free Long Term Disability eBook.

Facts About 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. 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.

Contact Us After an LTD Denial

Time after time, we see individuals facing enormous health challenges who are denied coverage 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. Talk to a The Standard Long Term Disability attorney from our team at Marc Whitehead & Associates today.

Call or text (800) 562-9830 or complete a Free Case Evaluation form