Standard Insurance

A C-level executive at a Fortune 500 company was in a terrible automobile accident. Despite wishing to return to her previous life, the resulting injuries left her with several co-morbid disabilities. She was simply no longer able to perform the duties of her highly demanding position and filed a claim for long-term disability insurance benefits. We are confident that her relatively young age - she was in her early 40s when the accident occurred and 45 when she filed for disability benefits - drew the attention of claims adjusters at Standard Insurance.

Standard Insurance relied on a selective paper review of her medical records, and did not provide the reviewing physician with her complete medical record. An occupational review was completely inaccurate. We challenged both deeply flawed elements of the denial and overturned the ERISA appeal. Standard has reinstated her benefits and she is back on claim.