Social Security Disability Lawyer Houston TX

Standard Disability Insurance Claim Denials

Standard Insurance Company, commonly known as The Standard, provides coverage for millions of Americans and tens of thousands of employers across the country. Some of the coverage policies offered by the Standard include individual and group disability insurance for both short-term disability and long-term disability (LTD) coverage. Before paying benefits for a disability claim, however, the Standard employs very strict guidelines, scrutinizing and examining every claim very closely before making a decision.

Standard Disability Insurance Attorney Houston TX | Herren Law

As a disability benefits and claim attorney in Houston, we at Herren Law have represented many clients who have had their disability benefits wrongfully denied. With years of experience, we understand what a bad faith denial looks like, and we have the resources and legal know-how to take on major companies such as the Standard. Whether you need help filing your claim in the most advantageous way, or you need an experienced disability benefits attorney who can help with appeals or filing a lawsuit, call Harren Law in Houston TX at (800) 529-7707.

Reasons Why the Standard May Deny Your Claim

There have been hundreds of lawsuits filed against the Standard due to the company’s failure to pay disability benefits to individuals who truly need it. There is nothing more frustrating than paying for a Standard insurance policy only to have benefits denied. From our experience at Herren Law, we know that the Standard heavily scrutinizes every claim. The Standard also uses a network of doctors that they routinely work with, which includes in-house vocational rehabilitation experts that can determine alternative occupation options at any stage of the claim process.

Some disability insurance claim denials are valid, but in many cases, the reasons for a claim denial are unfair attempts to discourage the claimants. Some of the most common reasons for a claim denial include:

  • The claimant didn’t show enough satisfactory medical evidence to support a disability claim
  • The disability is not supported by objective evidence
  • The claimant’s physical disabilities don’t prevent him/her from doing the tasks required by his/her occupation
  • The insurance company declares that the claimant is able to perform “any occupation”

These reasons are usually considered legitimate denials, but it is always essential to look at the details. With the help of disability insurance attorney William Herren, we’ll be able to review all of your documentation, including medical records, with the goal of discovering why your claim was denied, and if the Standard is justified in its denial.

Bad Faith Insurance Denials

Texas has laws banning bad faith insurance practices, and as such, an insurance company like the Standard cannot deny a disability insurance claim for unfair reasons. Unfair denials of a disability claim could result in the immediate loss of income, loss or foreclosure of your home, loss of your savings, and/or denial of your health care. Keep in mind that bad faith insurance denials are the result of a willful engagement in unfair practices, and not an administrative error. This is what makes appealing a claim denial so complex, as some insurance denial tactics can often include:

  • Misclassifying medical conditions as pre-existing
  • Denying medical records and claiming that you lack objective evidence
  • Relying solely on evidence from the Standard’s “independent” medical examiner
  • Paying only partial payments on a disability claim
  • Unreasonably delaying a decision on your policy
  • Concealing benefits from the policy holder
  • Insisting that you are able to work in another occupation, even though this isn’t possible

If you believe that the Standard has engaged in bad faith LTD practices, your first step is to contact an experienced and knowledgeable attorney as soon as possible. Remember, large companies like the Standard have ample legal resources to eradicate claims of bad faith practices, and you will need a prominent and skilled lawyer who will assist you in your fight to reclaim the benefits and compensation you are entitled to.

What to Do If You’re Insurance Claim is Denied

Even if the Standard denies your disability claim, just remember that you haven’t reached the end of the claims process. You have many legal options following a denial. If the Standard denied your disability benefits claim through your employer’s group insurance plan, then any lawsuits or appeals must are governed by federal ERISA laws.

Whether for private or employer group insurance plans, the written notice of a claim denial should include the reasons why the Standard denied your claim. Also, the denial notice should include any deadlines for an appeal. In any case, it’s best to begin filing for an appeal as soon as possible.

Call Herren Law in Houston for Your Disability Claim

It is important to note that the Standard, as well as many private disability insurance providers, deny most benefits claims at the basic level. As such, you should be prepared to appeal immediately after receiving a denial notice. At Herren Law, we will help you through every step of the disability insurance process, providing expert legal counsel while guiding your claim to try and make it as strong as possible. If needed, we are also prepared to continue pursuing your case in federal courts. All work is done on contingency, and you will not be charged a fee unless we win your case.

For a free, no-obligation consultation with Houston TX disability benefits claim attorney William Herren, call Herren Law today at (800) 529-7707.