About The Standard Long-Term Disability Insurance Denials
The Standard is known for its long-term disability (LTD) and short-term disability (STD) insurance policies, designed to support individuals who cannot work due to illness or injury.
However, long-term disability denials can occur, sometimes unjustly. LTD claims can lead to large payouts to policyholders over a long period. Therefore, companies like The Standard have been known to deny valid claims to protect their bottom line. This practice is known as acting in bad faith.
The Standard may use insurance bad faith tactics such as:
- Delaying payment of a claim without valid reasons
- Disqualifying covered health conditions
- Failing to conduct thorough investigations or assessments
- Misrepresenting policy language to deny legitimate claims
If The Standard has denied your disability claim, you have options, and we may be able to help.
LawFirm.com partners with leading disability insurance attorneys and law firms experienced in fighting insurance bad faith, including The Standard long-term disability insurance denials.
Our legal partners have successfully recovered over $127 million for policyholders, including those with claims denied by The Standard.
If you’re dealing with a long-term disability denial by The Standard, see if we can help you get the benefits you rightfully deserve.
Get a free case review right now.
Options for Dealing With The Standard Disability Denials
Large insurance companies like The Standard aim to make money, sometimes by unfairly denying long-term disability claims. These denials may violate their duty to policyholders, causing financial hardships like loss of income and savings. However, you have options to fight back.
At LawFirm.com, we understand the challenges that arise when dealing with disability claim denials. If The Standard denied your long-term disability claim or appeal, an experienced long-term disability denial attorney may be able to help.
- Filing an appeal
- Pursuing a second appeal if your initial appeal is unsuccessful
- Making a complaint with your state’s Insurance Department
- Filing a lawsuit against The Standard to seek a settlement
- Taking your case to court if needed
Working with a lawyer will ensure your case is thorough and well-prepared. They will handle everything for you so you can focus on your recovery.
Steps to Appealing The Standard Disability Denials
If you received an LTD disability claim denial letter from The Standard, there are steps to take to appeal this decision.
1. Free Consultation
Start by getting a free case review to see if LawFirm.com can match you with a knowledgeable disability lawyer.
If you’re eligible, your lawyer will start by reviewing the denial letter sent by The Standard to understand the reasons for the denial and prepare your appeal for you.
Typically, there is a 180-day window to start the appeals process after receiving the denial letter. This requirement is governed by a federal law called ERISA (Employee Retirement Income Security Act).
2. Collect Evidence
Your attorney will gather evidence that supports your claim.
This evidence may include:
- Correspondence about The Standard long-term disability insurance denial
- Initial long-term disability insurance claim
- Medical records and test results proving your qualifying condition
- Missing documentation from the claim you first filed
- Opinions from medical professionals
- Policy documents for your insurance plan
- Other relevant paperwork
Strong evidence can significantly strengthen your case and increase the likelihood of a favorable outcome.
3. File an Appeal
Your attorney will submit your appeal to The Standard, including all necessary paperwork and evidence.
They’ll manage all communications with The Standard, saving you from the back-and-forth so you can stay focused on treatment and recovery.
If the initial appeal isn’t successful, your attorney will likely pursue a second appeal.
4. File a Lawsuit
Your lawyer may recommend filing a lawsuit on your behalf if The Standard continues to deny your claim.
If you decide to proceed with a lawsuit, your attorney will file a complaint with the appropriate court. This legal document outlines the basis of your case, your claims against The Standard, and the financial relief you are seeking.
Chat with us right now to learn more about the appeals process for The Standard long-term disability insurance denials.
Our case managers can answer your questions and connect you to an attorney.Chat Now
How a Lawyer Helps With The Standard Long-Term Disability Insurance Denials
A skilled disability lawyer can greatly increase your chances of success in a long-term disability appeal.
Benefits of working with a long-term disability lawyer include:
- Affordability: Assisting those with limited finances, most disability lawyers work on a contingency fee basis (payment is only required if the case is won)
- Case evaluation: Providing a thorough assessment of your case to understand its strengths and weaknesses
- Evidence gathering: Managing all aspects of gathering, organizing, and presenting your evidence clearly and convincingly to build a strong case
- Legal expertise: Specializing in claim denials with in-depth knowledge of disability insurance claims, ERISA claims, and social security disability claims
- Protecting your rights: Serving as your advocate, ensuring that your rights are upheld throughout the legal process
- Reducing stress: Easing the complexity of legal proceedings by managing all aspects of your case, allowing you to focus on your health and well-being
Get Help With The Standard Long-Term Disability Denials
The Standard long-term disability insurance denials may feel final, but they are usually just delays that can be cleared up. Working with an experienced LTD denial attorney is often the quickest and most effective way to get the benefits you deserve.
A skilled disability attorney can help you understand your rights, build a strong case, negotiate with The Standard, and represent you in court if needed.
Your disability attorney will provide regular updates on any progress or changes with your claim so you always know the current status.
LawFirm.com works with top disability insurance attorneys across the country who have recovered over $127 million for unfair insurance denials, including denials issued by The Standard.
We may be able to connect you with a top disability lawyer or law firm in your area if you qualify.
The Standard Long-Term Disability Insurance Denial FAQs
Why do people get denied long-term disability by The Standard?
The Standard long-term disability insurance denials can occur for various reasons, including:
- Administrative errors or missing documentation in the application
- Exceeding the policy’s waiting period or not meeting the elimination period
- Failure to meet the policy’s definition of disability
- Insufficient medical evidence to support the disability claim
What percentage of long-term disability claims are denied?
Nearly 23% of claims are denied for medical reasons, and 41% are denied for technical reasons, according to 2019 data from the Social Security Administration.
The denial rate may vary depending on the insurance provider and the criteria for evaluating claims.
How do you write an appeal letter for long-term disability denial?
Writing an effective appeal letter for a long-term disability denial involves several steps, including:
- Review the denial letter: Carefully go through the denial letter to understand the specific reasons for the denial.
- Gather supporting documentation: Collect medical records, doctors’ reports, and other evidence that substantiates your medical condition.
- Address the denial reasons: In your letter, provide a clear, concise, and well-structured argument addressing each reason for denial.
- Be thorough and accurate: Ensure your appeal letter is comprehensive and free of errors. Clearly explain how your disability prevents you from working.
- Seek legal advice: A disability lawyer can craft a compelling appeal letter on your behalf by gathering the additional evidence needed to prove why you are entitled to receive benefits.
What are your options if your long-term disability appeal is denied?
If your long-term disability appeal is denied, you have several options, including:
- Appealing through the process detailed in your long-term disability insurance policy
- Filing a complaint with the appropriate state Insurance Department
- Starting a long-term disability lawsuit to resolve the matter through legal channels
If your disability claim was denied, don’t go it alone. LawFirm.com may be able to help you access the benefits you deserve. Find out right now with a free case review.