If your employer provides group Long Term Disability (LTD) insurance through The Standard, you should receive income replacement if you experience a covered illness, injury, or pregnancy. The monthly benefit payments are intended to help with the bills, like your mortgage or rent, that continue even when you can’t work — expenses health insurance won’t cover.
The Standard Does Not Always Approve Claims
However, The Standard does not always pay on its LTD policies and often denies disability claims. You can see numerous complaints about The Standard’s disability claims handling on the Consumer Affairs website, where The Standard has a one-star satisfaction rating out of five stars (as of April 2020). The consumer who wrote the review dated December 2, 2014 states, “If you have filed a claim with The Standard get a lawyer, you will need him.”
The Standard denies Long Term Disability claims in one of two ways. First, the claim may be denied from the outset, which means that the disability application is denied. Second, the benefits may be cut-off at some point. Such a cessation in benefits typically occurs after approximately two years of receiving benefits. This is because of the change in the definition of disability after 24-months: the definition of “Total Disability” changes from an “own occupation” standard to an “any occupation” standard.
Appealing The Standard’s Claim Denial
Contact Information for The Standard
Standard Insurance Company
900 SW Fifth Avenue
Portland OR 97204-1235
Tel: (888) 937-4783
Contact an Experienced Disability Attorney With a Record of Success Against The Standard
If your long term disability claim has been denied or your benefits have been cut-off, you should obtain a free consultation with an experienced LTD attorney. Mr. Ortiz has handled numerous long term disability claims against The Standard. Contact the Ortiz Law Firm at (888) 321-8131 for a consultation.
Request a Free Policy Evaluation
If you are considering purchasing a disability insurance policy or have recently purchased a policy, we will help you understand what you are entitled to and whether there are deficiencies in your coverage that could lead to a denied claim. It is easy for individual policyholders who are not trained to read insurance policies to misread or misunderstand the disability policy. As part of our evaluation, we will explain what everything means to you in your situation.
Some of the aspects of your policy we will review include:
- Total versus residual disability;
- Own occupation versus any gainful occupation;
- Mental and nervous disability benefit limitations; and
- Self-reported conditions benefit limitations.
Fill out the form below to submit your request, and please allow 5 business days to receive your free Policy Evaluation Report.