Top Reasons Why Reliance Standard Denies LTD Claims

Hi! I’m Nick Ortiz. I’m a board certified at disability insurance attorney. Today I’m here to talk to you about Reliance Standard and the top reasons why Reliance Standard denies long-term disability claims. Please note that these are not presented in any particular order, but just meant to be a reference for some of the reasons why they deny claims.

  1. Insufficient medical records. In other words, the insurance company requested your records but the records were never received from your doctor’s office.
  2. Reliance Standard says that there is insufficient objective medical evidence. Reliance Standard may have your medical records, but they’re looking for more objective test findings such as x-rays, MRIs and CT scans.
  3. Reliance Standard may argue that your medical condition is non-verifiable, or based primarily on self-reported symptoms.
  4. Your doctors did not return forms or questionnaires, also known as attending physicians statements, to the insurance company.
  5. A peer review physician hired by Reliance Standard does not agree with your doctors, and issues a report with findings inconsistent with your doctors’ reports.
  6. Reliance Standard may argue that you are exaggerating your symptoms to qualify for benefits.
  7. Reliance Standard may hire a private investigator to conduct a video surveillance and the footage is inconsistent with your purported limitations.
  8. Your social media. You better believe that Reliance Standard is reviewing your social media such as Facebook, Twitter, Instagram and LinkedIn, and looking for evidence in your posts that are inconsistent with your purported limitations.
  9. You may have missed deadlines that are set forth in your plan or policy. For example, you did not file your initial application for benefits in time; or you did not file your proof of loss in support of your claim in time; or c., you did not file your appeal in time, typically within 180 days.
  10. Reliance Standard may deny your claim based on a pre-existing condition exclusion.
  11. Reliance Standard may deny your claim because of a specifically excluded condition that is your disability specifically listed as a condition that does not qualify for benefits under the plan or policy.
  12. That your conditions do not meet or satisfy the definition of disability as is defined in the plan or policy.
  13. There may be a change in the definition of the term disability over time. For example, from own occupation to any occupation after 6, 12 or 24 months.
  14. You may be partially disabled but not totally disabled from employment.
  15. The insurance company may argue that you are not working due to your own choice, not due to your medical condition. And finally …
  16. ERISA. This is the law that applies to the most group plans, and ERISA very heavily favors insurance companies.

If you’ve been denied due to one or a combination of these reasons, then we encourage you to give our office a call. We have experience in handling all these reasons as to why insurance companies like Reliance Standard deny a claim. If your benefits have been denied, or cut off, or terminated, then give us a call at 850-898-9904 for a free consultation.

I’m also making available a free copy of the book that I wrote called “The Top 10 Mistakes That Will Destroy Your Long-Term Disability Claim”. You can claim a free copy at Thanks for listening.