For policyholders of Reliance Normal Life Insurance coverage Firm, often known as Reliance Normal, insurance coverage declare denials are far too widespread. By its very nature, the insurance coverage trade is an advanced market that causes anxiousness and hardships for a lot of hardworking folks when their legitimate insurance coverage claims are denied. In case your Reliance Normal insurance coverage declare was undervalued, delayed, or denied, don’t hand over. Donahue & Horrow LLP is your ally throughout these troublesome instances, and our authorized staff will battle to safe the advantages you might be legally owed.
Our attorneys have intensive insurance and medical malpractice background and consequently, they know the entire ways that insurance coverage carriers like Reliance Normal use to disclaim policyholders’ claims. Our authorized staff has taken on trade giants to safe hundreds of thousands of {dollars} yr after yr for our purchasers whose incapacity claims have been wrongfully denied. Contact us now.
We are going to battle relentlessly so that you can safe your insurance coverage advantages and we’ll deal with you with the dignity and respect you deserve throughout this difficult time. Name us at the moment in case you assume you have got been handled unfairly by Reliance Normal: (877) 664-5407.
About Reliance Normal – A Numerous Insurance coverage Provider
Reliance Normal’s insurance coverage portfolio consists of worker advantages options, incapacity revenue, and group time period life insurance coverage, and voluntary worker protection choices. Reliance Normal additionally affords dental & imaginative and prescient, stop-loss, restricted profit medical, annuity, and produce compliance services and products. In 2018, Reliance Normal’s complete belongings exceeded $14 billion.
Regardless of the corporate’s robust monetary standing, Reliance Normal continues to keep away from paying out incapacity advantages to folks throughout their time of want. In case your Reliance Normal insurance coverage advantages have been denied, contact us now and we’ll reply any questions you might have about your particular coverage and declare for free of charge. We’re right here to assist.
Reliance Normal Insurance coverage Declare Denials – Widespread Ways
Insurance coverage suppliers perceive that their long-term development hinges on avoiding paying out insurance coverage advantages. Sadly for policyholders like your self, which means that Reliance Normal will do all it will possibly to keep away from paying your declare on time, on the worth you deserve or denying your declare altogether. To realize these objectives, the playbook typically consists of three distinct steps:
- Failing to be particular as to the data you must present to assist your declare;
- Misrepresenting your precise job duties; and
- Falsely claiming there’s not sufficient medical proof to assist your declare.
It’s difficult sufficient to tackle an insurance coverage firm if you’ve been denied what’s rightfully yours, not to mention taking one on with enduring ways designed to disrupt and delay your efforts. These companies typically attempt to “put on down” policyholders such as you within the hopes that you’ll hand over fairly than battle for the insurance coverage advantages you paid for and deserve. If Reliance Normal has tried a number of of those ways with you, it is likely to be a transparent signal the enterprise is making an attempt to wrongfully deny your insurance coverage declare:
- Conducting surveillance in an try to “catch you” performing in a way inconsistent along with your claimed restrictions and limitations;
- Stalling by asking for an increasing number of data to assist your declare, even in case you already offered them with entry to your entire medical data;
- Counting on the opinions of in-house docs, who overwhelmingly are likely to assist their employer, the insurance coverage firm; or
- Making an attempt to rescind your coverage as a result of the insurance coverage agent didn’t embody data that you simply instructed her or him on the appliance.
Actual Examples
Reliance Normal’s technique to deny policyholders’ insurance coverage claims has been positioned underneath a microscope lately. Most not too long ago, a dentist submitted a practical capability analysis to obtain incapacity advantages as he suffered ache that affected his focus and efficiency. Reliance Normal used its personal docs to submit opinions to disclaim his insurance coverage declare. A court docket discovered that the dentist’s situation may pose a security concern to his sufferers and awarded him the advantages he was rightfully owed.
Subsequent, a decide reversed a call that originally denied a plaintiff’s declare for incapacity advantages. On this case, a girl awakened with dizziness and felt numbness in her decrease extremities. After searching for assist from a neurologist, she obtained advantages for 2 years. After this two-year interval, Reliance Normal stopped paying her advantages. A court docket would later require the corporate to investigate each her bodily and cognitive skills, a transfer that reversed the preliminary denial.
In 2017, the Courtroom of Appeals dominated in opposition to Reliance Normal in a case the place the plaintiff suffered from kidney most cancers and quite a few different illnesses. Reliance Normal denied her incapacity advantages and administrative enchantment, arguing the plaintiff was not completely disabled. The Appeals Courtroom felt in any other case and upheld her incapacity advantages as mandated by the Worker Retirement Revenue Safety Act (ERISA).
Do Not Wait to Act!
Reliance Normal has confirmed that it can’t be trusted to do proper by policyholders resembling your self. If you’re coping with an insurance coverage declare denial from Reliance Normal, we urge you to take motion. Don’t delay one other minute. Insurance coverage claims have strict deadlines that should be met so as so that you can gather the insurance coverage advantages you might be owed. This timeline is particularly vital in case your coverage was issued by way of your employer and your declares are ruled by ERISA. Contact us now.
Confusion is a trademark of insurance coverage claims. Our authorized staff will battle relentlessly to safe the insurance coverage advantages you might be legally owed. We are going to decipher your Reliance Normal insurance coverage coverage and interpret the phrases of the coverage to make sure your declare is profitable. Name Donahue & Horrow LLP now, for a free session: (877) 664-5407. We sit up for listening to from you and serving to you to obtain the advantages that you’re entitled to.