The Standard Long-Term Disability Denial
The Standard provides disability insurance, offering crucial support to those unable to work due to injury or illness. However, the company is known for its high denial rates, even for legitimate claims. If your claim was denied, you have options. A skilled lawyer can guide you through the appeal process to get the benefits you deserve.
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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. 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, we may be able to help. Our partners with leading disability insurance attorneys who have successfully helped families nationwide hold powerful insurance companies accountable for acting in bad faith.
If you’re dealing with a long-term disability denial by The Standard, we may be able to help you fight for the benefits you deserve. Get started now with a free case review.
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.
If The Standard denied your long-term disability claim or appeal, an experienced long-term disability denial attorney may be able to help by:
- 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.
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.
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 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
The insurance provider may also wrongfully deny your claim in order to protect their bottom line.
How do you write an appeal letter for The Standard 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.
Get a free case review now for legal help crafting a strong appeal and fighting for your benefits.
Written by: Long Term Denial Team