The Standard Insurance Company LTD Denials

//The Standard Insurance Company LTD Denials
The Standard Insurance Company LTD Denials2018-12-26T18:03:59+00:00

The Standard Insurance Company Denials

Are you or a loved one struggling with The Standard disability insurance? Unfortunately, the experienced disability lawyers at Robinson & Warncke know that your struggle is all too common. For-profit disability insurance companies like the Standard take a hard line on both short and long-term disability claims, prioritizing profits over policyholders.

Thankfully, disabled claimants have clear legal rights. We help our clients demand justice and the compensation they deserve when The Standard unfairly denies or delays their disability claims. Keep reading to learn more about our approach to The Standard disability insurance claims.

The Standard disability insurance denial lawyer

We Understand The Standard Insurance Company’s Tactics

Based out of Portland, Oregon The Standard Insurance Company is a major writer of both individual and group disability coverage. It is one of the largest providers of disability insurance in the United States. In 2018 alone, it collected more than $3 billion in insurance premiums from its policyholders. The Standard frequently partners with Minnesota Mutual Life Insurance Company in its disability insurance policies. It’s not uncommon to see both The Standard and Minnesota Mutual’s names on documents associated with a disability insurance claim. The companies handle both individual and employment-based disability plans.

In our experience, The Standard Insurance Company has penetrated the market in our home state for group disability coverage for doctors, lawyers, and other professionals. Standard also tends to use a relatively small group of doctor consultants to pick apart claims involving a wide range of medical conditions. In many of the cases we have handled, the insurance company has not given the policyholder the benefit of the doubt, despite all evidence suggesting the client was highly credible and hard working before an illness or injury changed everything.

We Have Recovered Millions of Dollars of Previously Denied Benefits Against The Standard

We have handled an unusually high percentage of cases against this company where it aggressively applied a “mental and nervous disorder limitation” to limit the claimant to 24 months of benefits on a career-ending injury. This company has some unique claims practices that can run afoul of federal claim handling regulations. And we have successfully sued The Standard based upon these violations. We have recovered millions of dollars of previously denied benefits against this company, including:

A total disability claim denied against our client who was the 61-year-old former managing partner of a major, multi-state law firm.

He had been working for years with a diagnosis of lymphoma.  When he had to stop working The Standard Insurance Company denied the claim contending he could have kept working indefinitely.  We convinced The Standard to pay this claim outright.

We handled a claim for another lawyer who fell down some stairs and suffered a “mild” traumatic brain injury causing incapacitating migraine headaches.

The Standard denied his claim and claimed that if he was disabled at all, it was due to depression. We sued The Standard and won the case on summary judgment.

A claim for yet another lawyer who was rear ended in a car wreck by a speeding car.

After the wreck our client was never the same mentally, and he could no longer practice law. The Standard asserted he was disabled by bipolar disorder that had previously been well controlled his whole life. We sued and determined that The Standard had applied its “mental and nervous disorder limitation” far too aggressively. After two favorable judicial rulings, the case settled favorably for the client.

These are but a few examples of the claim denials we have had overturned. Even as this copy is being written we are handling cases against The Standard Insurance Company involving remarkably similar issues. If your claim has been denied by this company, call the lawyers with a proven track record of bringing them to justice.

The Standard disability insurance denial attorney

Did The Standard Deny Your Disability Insurance Claim?

The Standard Insurance Company offers a wide variety of disability insurance policies, including both short-term and long-term coverage. If you have a disability insurance policy and cannot work due to a serious physical or mental health condition, you might qualify for benefits.

However, the company offers a wide variety of disability insurance plans. Each has different levels of benefits, premium rates, terms, and conditions. At Robinson & Warncke, we know that the first step in any The Standard disability insurance claim is a careful assessment of your plan documents. Because there is so much variation between policies, we’ll need to understand the exact eligibility and procedural  of requirements your specific policy.

Next, you’ll need to file an administrative appeal. Most The Standard disability insurance disputes cannot go immediately before a judge. Instead, you must complete an internal appeal with The Standard. While this might seem unfair or inefficient, it’s a vital part of the legal process. You need to take it very seriously.

The Standard Disability Insurance Appeal Process

If your The Standard disability insurance policy is employer-funded and covered by ERISA, you must complete an internal appeal before you file a lawsuit. To complete this internal or administrative appeal, you must file a series of documents and supporting evidence within strict filing deadlines. The Standard will then re-review your claim and issue another decision.

While this process might seem futile, it has vital importance. Your administrative appeal is typically your last opportunity to submit new evidence in your disability claim. That means that if there is missing evidence at the end of your internal appeal of The Standard’s disability insurance denial, you might be unable to present it to the judge during a lawsuit.

For this reason, you should always consult with an experienced disability insurance lawyer before you file an appeal with The Standard. At Robinson & Warncke, we work closely with our clients, reviewing their The Standard disability insurance claims, identifying missing information, and supplementing the record with necessary data.

This process takes time and attention to detail. If you need help reviewing a denial of a The Standard disability insurance claim, contact us today. Our lawyers offer free, no-risk consultations and would love to hear from you.

What Happens If The Standard Denies My Administrative Appeal?

If The Standard denies your disability insurance appeal, don’t panic. It’s not uncommon for insurance companies to deny administrative appeals — even ones with compelling evidence. At this point, you’ve completed your internal appeal and can file a federal lawsuit against The Standard.

Notably, if you have an individually-purchased The Standard disability insurance policy, you may not need to complete the administrative appeal process. Instead, you can immediately file a lawsuit against the insurance company. If you need help understanding your legal options — and the deadlines that apply to your claim — contact us immediately.

It’s important to understand that both state and federal laws impose strict deadlines on disability insurance claims. If you do not file your appeals within the correct time frame, you may lose your right to benefits. The filing deadlines can vary from policy-to-policy. Again, if you need help understanding the time limits associated with your claim, contact Robinson & Warncke right away.

Request a Free Consultation of Your The Standard Disability Insurance Claim

If you believe that The Standard wrongfully denied your disability insurance claim, contact Robinson & Warncke today. Our team of experienced disability insurance lawyers will help you understand the complexities of your claim. We will also educate you about your legal rights and options. We offer free, confidential consultations and will not charge an attorney’s fee unless we accept your case and recover compensation on your behalf. To get started, contact us today.