For policyholders of Reliance Normal Life Insurance coverage Firm, also referred to as Reliance Normal, insurance coverage declare denials are far too frequent. By its very nature, the insurance coverage trade is a sophisticated 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 surrender. Donahue & Horrow LLP is your ally throughout these tough occasions, and our authorized crew will battle to safe the advantages you’re legally owed.
Our attorneys have intensive insurance and medical malpractice background and in consequence, they know all the techniques that insurance coverage carriers like Reliance Normal use to disclaim policyholders’ claims. Our authorized crew has taken on trade giants to safe thousands and thousands of {dollars} yr after yr for our shoppers 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 are going to deal with you with the dignity and respect you deserve throughout this difficult time. Name us in the present day in case you assume you’ve been handled unfairly by Reliance Normal: (877) 664-5407.
About Reliance Normal – A Various Insurance coverage Service
Reliance Normal’s insurance coverage portfolio contains worker advantages options, incapacity revenue, and group time period life insurance coverage, and voluntary worker protection choices. Reliance Normal additionally presents dental & imaginative and prescient, stop-loss, restricted profit medical, annuity, and produce compliance services. In 2018, Reliance Normal’s complete property exceeded $14 billion.
Regardless of the corporate’s sturdy 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 are going to reply any questions you’ll have about your particular coverage and declare without charge. We’re right here to assist.
Reliance Normal Insurance coverage Declare Denials – Frequent Ways
Insurance coverage suppliers perceive that their long-term development hinges on avoiding paying out insurance coverage advantages. Sadly for policyholders like your self, because of this Reliance Normal will do all it could possibly to keep away from paying your declare on time, on the worth you deserve or denying your declare altogether. To attain these targets, the playbook usually contains three distinct steps:
- Failing to be particular as to the knowledge 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 once you’ve been denied what’s rightfully yours, not to mention taking one on with enduring techniques designed to disrupt and delay your efforts. These companies usually attempt to “put on down” policyholders such as you within the hopes that you’ll surrender relatively than battle for the insurance coverage advantages you paid for and deserve. If Reliance Normal has tried a number of of those techniques with you, it is perhaps a transparent signal the enterprise is making an attempt to wrongfully deny your insurance coverage declare:
- Conducting surveillance in an try and “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 supplied them with entry to your whole medical data;
- Counting on the opinions of in-house medical doctors, 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 advised her or him on the appliance.
Actual Examples
Reliance Normal’s technique to deny policyholders’ insurance coverage claims has been positioned beneath a microscope in recent times. Most just lately, a dentist submitted a useful capability analysis to obtain incapacity advantages as he suffered ache that affected his focus and efficiency. Reliance Normal used its personal medical doctors to submit opinions to disclaim his insurance coverage declare. A courtroom discovered that the dentist’s situation might 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 lady wakened with dizziness and felt numbness in her decrease extremities. After looking for assist from a neurologist, she acquired advantages for 2 years. After this two-year interval, Reliance Normal stopped paying her advantages. A courtroom would later require the corporate to research 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 Earnings Safety Act (ERISA).
Do Not Wait to Act!
Reliance Normal has confirmed that it can’t be trusted to do proper by policyholders reminiscent of your self. In case you are 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 have to be met so as so that you can accumulate the insurance coverage advantages you’re owed. This timeline is very necessary in case your coverage was issued by means of your employer and your declares are ruled by ERISA. Contact us now.
Confusion is a trademark of insurance coverage claims. Our authorized crew will battle relentlessly to safe the insurance coverage advantages you’re 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 look ahead to listening to from you and serving to you to obtain the advantages that you’re entitled to.