We help people get the compensation they deserve.The Standard Long-Term Disability Insurance Denial
The Standard is a disability insurance company that provides 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. See if a top lawyer may be able to help you appeal your The Standard long-term disability denial and secure the benefits you deserve. Get started now.
Why Take Legal Action?
By challenging a wrongful disability insurance denial, you can pursue the benefits and justice you deserve.
Results Secured
- $1.36 million for a New York man whose Aetna long-term disability claim and appeal were denied
- $1.21 million for a California worker denied disability benefits
- $975,000 for a physician who lost his hearing and was denied long-term disability benefits by Unum
Understanding Long-Term Disability Through The Standard
The Standard Insurance Company is known for its long-term disability (LTD) and short-term disability (STD) insurance policies, designed to support individuals who cannot work after they’ve suffered an illness or injury.
Long-term disability denials can occur when companies like The Standard deny valid claims to boost their profits. This practice is known as acting in bad faith, and it’s against the law.
The Standard long-term disability denial tactics may include:
- 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
- Using video and social media surveillance to show you’re not disabled
The Standard long-term disability denials can put a financial strain on policyholders who may not have other means of support.
LawFirm.com works with top disability insurance attorneys who’ve secured over $133 million for policyholders with claims denied by The Standard and other insurers.
Get a free case review now to see if one of our trusted legal partners may be able to fight for The Standard long-term disability benefits you deserve.
Dealing With The Standard Long-Term Disability Policy Denials
The goal of large insurance companies like The Standard is to make money, sometimes by unfairly denying long-term disability claims.
These denials may violate the insurer’s duty to policyholders and cause financial hardships. However, you have options to fight back.
A long-term disability denial attorney can help you:
- File an appeal of your The Standard long-term disability denial
- Pursue a second appeal if your first one is unsuccessful
- Make a complaint with your state’s Insurance Department
- File a lawsuit against The Standard to seek a settlement
- Take your case to court if needed
Working with a lawyer will ensure your The Standard long-term disability insurance claim is thorough and well-prepared. They can handle all the legal work involved in a disability case, so you can focus on your health and well-being.
How Much Will I Receive in Disability Insurance Benefits
The Standard insurance long-term disability pays a percentage of your salary — typically 60% to 80% of your gross income — for the length of your benefit period.
Your benefit period can be as short as 2 years or last until you retire or recover from your injury or illness and are no longer considered disabled, depending on your policy terms.
The Standard insurance long-term disability is meant to replace a portion of your income if an injury or illness prevents you from working. When The Standard fails to make good on its promises, it can be held accountable.
“Thanks to the law firm, we won the battle against the insurance company. Now, I have the support and financial security I need to focus on my health and well-being. I’m grateful for their help and would recommend them to anyone facing a similar struggle.”
– Washington D.C. client who worked with one of our legal partners
The Standard Long-Term Disability Appeal Process
If you’re facing a The Standard long-term disability denial, you have a legal right to appeal and seek the benefits you paid for.
Find out how a lawyer can help you fight back against The Standard and pursue the LTD benefits you’re owed.
1. Free Consultation
Start by getting a free case review to see if LawFirm.com can match you with an experienced The Standard long-term disability lawyer.
If you’re eligible, your lawyer will start by reviewing the denial letter sent by The Standard to understand the reasons for their decision and prepare your appeal.
Typically, there’s a 180-day window to start the appeals process after receiving the denial letter. This requirement is governed by a federal law called ERISA (Employee Retirement Income Security Act).
2. Collect Evidence
Your attorney will gather evidence that supports your claim and shows why you’re entitled to The Standard long-term disability benefits.
Evidence for The Standard long-term disability appeals may include:
- Correspondence from The Standard about its decision
- Medical records and test results proving your qualifying condition
- Missing documentation from the claim you first filed
- Opinions from medical experts
Strong evidence about your medical condition and its impact on your life can significantly strengthen your disability case and increase the likelihood of a favorable outcome.
3. Submit Your The Standard Long-Term Disability Appeal
Your attorney will submit your appeal to The Standard, along with all necessary paperwork and supporting evidence.
They’ll manage communications with The Standard on your behalf, saving you from the back-and-forth and allowing you to stay focused on your medical treatment and recovery.
If the initial appeal isn’t successful, your attorney can pursue a second appeal to try to reverse your The Standard long-term disability denial.
4. File a Lawsuit for The Standard Long-Term Disability Denial
Your lawyer may recommend proceeding with a The Standard disability lawsuit if the insurer continues to unfairly deny your claim for benefits.
They’ll file a legal complaint against the company with the goal of securing a The Standard long-term disability denial settlement that provides you with compensation without the hassle of going to court.
However, if a settlement isn’t reached, your legal team will be prepared to argue your case in court and pursue compensation from a trial verdict.
Call (888) 726-9160 right now or chat with a case manager to see if a top The Standard disability claim denial attorney may be able to fight for you.
Navigating a Standard Long-Term Disability Denial
ERISA long-term disability cases can be complex, so working with a skilled lawyer may greatly increase your chances of success and help you navigate the denial of LTD benefits with minimal stress.
The Standard disability claim denial lawyers can help by:
- Evaluating your case: Providing a thorough assessment of your disability case to understand its strengths and weaknesses
- Gathering evidence: Managing all aspects of gathering, organizing, and presenting your evidence clearly and convincingly to build a strong case
- Offering legal expertise: Using their knowledge of disability law, ERISA claims, and Social Security disability benefits to maximize any compensation you may receive
- Protecting your rights: Serving as your advocate and ensuring that your rights are upheld throughout the claims process
- Reducing stress: Easing the complexity of legal proceedings by managing all aspects of your case, allowing you to focus on your health and well-being
Your disability attorney will provide regular updates on any progress or changes with your claim so you always know the current status.
With The Standard disability denial lawyers handling your case, you’ll have peace of mind during this challenging and uncertain time.
Get Help From The Standard Long-Term Disability Attorneys
The Standard long-term disability insurance denials may feel final, but an experienced LTD denial attorney can help you get the benefits you deserve.
A skilled disability attorney can help you understand your legal rights, build a strong case, and negotiate with The Standard on your behalf.
LawFirm.com works with top disability insurance attorneys across the country who have recovered over $133 million for clients facing unfair insurance denials, including denials issued by The Standard.
We may be able to connect you with a top disability law firm in your area if you qualify.
Call (888) 726-9160 right now or fill out this form for a free The Standard disability denial case review.
The Standard Disability Denial FAQs
Why would I be denied long-term disability by The Standard?
The Standard long-term disability 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 its bottom line.
Get a free case review now to see if the disability attorneys in our network can help you fight for the benefits you deserve.
Is it hard to get approved for long-term disability by The Standard?
Yes, it can be difficult to get approved for long-term disability benefits through The Standard due to the company’s strict review process.
The Standard may deny valid claims or require policyholders to submit excessive medical documentation. An attorney for The Standard long-term disability denials may be able to help you fight back.
What are your options if your The Standard long-term disability appeal is denied?
If your The Standard long-term disability appeal is denied, you have several options, including:
- Going through the appeals process detailed in your long-term disability insurance policy
- Filing a complaint with the appropriate state Insurance Department
- Starting a long-term disability lawsuit to resolve the matter through legal channels
If your disability claim was denied by the insurance carrier, LawFirm.com may be able to help you appeal and get the benefits you deserve.
Call (888) 726-9160 now to get started.
Fact-Checked and Legally Reviewed by: Rae Theodore
Rae Theodore is a writer and editor with more than 30 years of experience in legal publishing. She earned a bachelor’s degree in English from Pennsylvania State University.
- Guardian. “How much does disability insurance pay?” Retrieved February 13, 2025, from https://www.guardianlife.com/disability-insurance/how-much-you-get
- Social Security Administration. “Disability benefits.” Retrieved February 13, 2025, from https://www.ssa.gov/benefits/disability/
- Social Security Administration. “Disabled worker beneficiary statistics by calendar year, quarter, and month.” Retrieved February 13, 2025, from https://www.ssa.gov/OACT/STATS/dibStat.html
- Social Security Administration. “Federal court review process.” Retrieved February 13, 2025, from https://www.ssa.gov/appeals/court_process.html
- Social Security Administration. “Outcomes of applications for disability benefits.” Retrieved February 13, 2025, from https://www.ssa.gov/policy/docs/statcomps/di_asr/2020/sect04.html
- Sokolove Law. “The Standard long-term disability insurance denial.” Retrieved February 13, 2025, from https://www.sokolovelaw.com/disability-insurance-denial/long-term-disability-denial/insurance-providers/the-standard/
- The Standard. “Protect your income with the right coverage.” Retrieved February 13, 2025, from https://www.standard.com/individuals-families/workplace-benefits/disability
- U.S. Department of Labor. “ERISA.” Retrieved February 13, 2025, from https://www.dol.gov/general/topic/health-plans/erisa
