Voya Financial / ING / ReliaStar Disability
VOYA Financial, which itself has rebranded from ING U.S. ReliaStar Life Insurance Company, now offers Voya Employee Benefits insurance products and services in the United States.
At Voya Employee Benefits, their Managed Disability program (formerly ING Disability Claims Management Services) uses a process to determine eligibility for long-term disability benefits under certain disability income plans:
- They obtain medical data from physicians to evaluate individual situations;
- Process substantiated disability claims; and
- Determine the appropriate length of absence based on the claimant’s functional capabilities and job requirements.
Unfortunately, legitimate claims can be denied or terminated.
Top Reasons Why Voya Denies Claims
Appealing a Voya / ReliaStar Disability Claim Denial
If you have an individual policy or are a government employee and your ReliaStar long-term disability claim has been denied or cut-off, you may not have to file an administrative appeal with the insurance company to enforce your rights. You should consult with an experienced disability attorney to determine your legal rights.
If you have a ReliaStar Life Insurance Company group disability policy, your policy is probably governed by ERISA. ERISA has strict appeal procedures and deadlines. ERISA requires an internal or administrative appeal if your benefits are terminated or denied. The time you have to file an appeal is very limited, usually only 180 days. Some policies allow you to file a second, voluntary appeal.
Voya Financial / ING / ReliaStar Long-Term Disability Attorney
Florida disability attorney Nick Ortiz offers the following legal services for disability claimants who have a long-term disability insurance policy or individual disability income policy purchased from Voya Financial / ING / ReliaStar Life Insurance Company:
- Appeals of a ReliaStar’s denial of individual or government long-term disability insurance benefits;
- ERISA appeal of a ReliaStar Life Insurance Company denial of group LTD insurance benefits;
- Appeal of a ReliaStar wrongful termination of individual or government long-term disability insurance benefits;
- ERISA appeal of a ReliaStar Life Insurance Company’s wrongful termination of group LTD insurance benefits;
- Lawsuit against ReliaStar following final denial of individual or government long-term disability insurance benefits; and
- ERISA lawsuit against ReliaStar after final denial of group LTD benefits.
Call a Voya Financial / ING / ReliaStar disability attorney at the Ortiz Law Firm at (888) 321-8131 for a free case evaluation.
