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Reliance

NATIONALLY RECOGNIZED. CHICAGO STRONG. LONG TERM DISABILITY FIRM

Bartolic Law handles Long Term Disability cases at all stages, from filing a claim to lawsuits under ERISA § 502(a). We are who the most discerning clients hire when an insurer denies their claim, and the one they wish they had when another firm loses their appeal and abandons the case. We are Innovative, Authentic, Compassionate, Transparent and Chicago strong. Bartolic Law is nationally renowned for our Innovative work:

Reliance Standard

Bartolic Law helped a client suffering from lumbar radiculopathy who performed physically demanding work. Reliance terminated long-term disability benefits contending the client could perform sedentary work in other occupations. Using a two-pronged approach, we both demonstrated the client could not perform his prior work or seated work physically, and we used vocational evidence to show the only occupations Reliance Standard identified as meeting the earnings qualifier were ones that had not existed in the American economy for decades. As a result, Reliance Standard agreed to maintain our client’s long-term disability payments. When a client’s parent got diagnosed with stage 4 Pancreatic Cancer, she had to stop working. Our client, the beneficiary of the life insurance policy, with the mother, called Reliance Standard, the life insurer, to ask how the insured could maintain coverage given the diagnosis and prognosis. The agent advised them to apply for waiver of premiums, though the deadline to do so had lapsed, but the right to unconditionally convert to individual coverage had not yet expired. After the insured received notice Reliance Standard denied the application for waiver, she tried to convert but Reliance then contended it was too late to do so. But had they been told in the first phone call about the right to convert, coverage would have been maintained. Notwithstanding Reliance Standard’s dispute regarding coverage, we were able to recover for the client. Reliance Standard claims management can be challenging, and Bartolic Law has helped many navigate through its hurdles. Call us to see how we can help you.

Reliance Standard Life Insurance Company

Bartolic Law can help with long-term disability or life insurance and accidental death insurance claims against Reliance Standard. Reliance Standard issues group long-term disability policies to employers, which are enforced under ERISA § 502(a). It often bundles those long-term disability policies with group life insurance and accidental death insurance policies to the employers. If you are insured by Reliance Standard, your claim may be reviewed by Matrix Absence Management, its claim review division. Reliance Standard frequently issues benefit terminations when the definition of disability changes from own occupation to any occupation 24 months into receiving long-term disability. Erroneous benefit terminations often both overstate your physical abilities, and overstate the alternative work that could satisfy the policy’s requirements.

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