Attorneys Greg Dell and Alexander Palamara from Dell Disability Lawyers discuss frequently asked questions about Reliance Standard disability insurance appeals. They explain that even if a claim is denied, it can often be successfully appealed—many denials are overturned with a strong, well-prepared case.
They stress that appeals must not be rushed; under ERISA law, claimants have 180 days to appeal, and the insurer can take up to 90 days to respond. The lawyers emphasize the importance of obtaining and carefully reviewing the claim file, identifying flaws in the insurer’s medical reviews, and submitting comprehensive new medical and vocational evidence.
A major theme is that the appeal is the foundation for any future lawsuit, since no new evidence can be added later. Therefore, it’s critical to have an experienced disability attorney handle the appeal rather than attempting it alone. They highlight their strategic approach—analyzing insurer errors, strengthening medical evidence, and crafting persuasive appeals that align with court precedents.