Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

Court Finds Reliance Standard to be Arbitrary and Capricious, Awards Claimant Benefits

Friday, March 24th, 2017

A Federal Judge in Colorado has awarded benefits to a claimant suffering from viral hepatitis and chronic cirrhosis of the liver, after determining that Reliance Standard failed to appropriately consider the claim and the medical evidence supportive of impairment. The claimant, who worked as the Director of Industry Marketing, was required to represent the company in meetings and public forums, support the company’s marketing efforts, speak at industry events, and exhibit leadership in promoting company products. The job required significant travel.

After suffering from these conditions for several years, the claimant ultimately ceased working in July 2012, and applied for disability benefits at that time. The medical basis of the claims was predicated upon symptoms of fevers, nausea, diarrhea, fatigue and inability to concentrate and manage stress. Reliance Standard determined that the claimant had now demonstrated and supported a total disability during the elimination period, and denied the claim. The claimant submitted an appeal of the denial, and the appeal was considered with Reliance Standard seeking a medical review of the records, without conducting any examination of the claimant.

Initially, the Court determined that Reliance Standard needed to clarify issues and consider things more fully, and remanded the case back to Reliance Standard. Following this remand, Reliance Standard had the same doctor perform a further review of the evidence. The second medical review reached the same conclusions as the initial medical review and benefits were not awarded to the claimant.

In considering the evidence in the further litigation, the Court determined that Reliance Standard’s determination that the claimant was not negatively impacted by his cognitive condition was not supported by substantial evidence. The Court found that Reliance Standard ignored the relevant medical evidence, as well as the support provided through third party support statements. The Court determined that Reliance Standard simply repeated its prior unsupported rationale, which the Court found to be “patently arbitrary and capricious.”

The Court also found that Reliance Standard failed to properly consider medical records reflecting fatigue, frequent nausea, severe leg swelling and suppressed immune system issues, despite the Court’s remand instructions from the first litigation. The Court further found that Reliance Standard’s determination was based upon a selective consideration of the medical evidence. Finally, the Court determined that Reliance Standard’s claim determination appeared to be based on “pure speculation”, as Reliance Standard failed to point to any medical evidence to address the issue of travel.

The Court thus awarded benefits to be paid to the claimant, and permitted counsel to file an application seeking legal fees.

Mason v. Reliance Standard

Jason A. Newfield

Written By:

Jason A. Newfield - Disability Insurance Attorney

Jason Newfield is a founding partner of the disability insurance law firm Frankel & Newfield. He has spent the majority of his legal career advocating for the rights of disabled workers. He has lectured other professionals, worked on a Federal Advisory committee, and published many articles in the field of disability insurance claims and litigation.

Learn more about Jason | See Jason’s Publications



Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook


Secrets the Disability Insurance Companies Don't Want You to know!

Sign Up for our mailing list to receive disability insurance law updates

Your information is 100% secure and will never be shared with anyone


No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

Contact Us
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming