How Can I Tell If I Have a Valid Case Against The Standard?
If your disability benefits were denied, reduced, or unexpectedly terminated by The Standard Insurance Company, you may be wondering whether you have a valid case. Insurance disputes can be complex, but understanding the key warning signs of an unfair denial—and knowing what evidence matters—can help you take informed action.
Common Signs You May Have a Valid Case Against The Standard
While every claim is unique, several red flags often indicate that your benefits were wrongfully denied or delayed:
- Your Benefits Were Denied Despite Strong Medical Evidence: If your treating physicians provided detailed medical documentation showing that you are unable to work, yet The Standard still denied or terminated your benefits, this could suggest a flawed or biased claim review.
- The Insurance Company Ignored or Misrepresented Medical Evidence: Some denials are based on incomplete or selective reviews of your records. If The Standard relied solely on an in-house medical reviewer or dismissed key opinions from your doctors, that can be grounds for appeal or litigation.
- Unreasonable Delays or Repeated Requests for the Same Information: Long or unexplained delays in the claim process may signal bad-faith handling. Insurers are required to make timely decisions and communicate clearly with policyholders.
- Procedural Errors or Lack of Transparency: If you were never provided with the full explanation of your denial or if deadlines and requirements were unclear, The Standard may have violated ERISA or state insurance regulations.
- Your Benefits Were Terminated After a “Paper Review”: Many policyholders see their benefits cut off after The Standard conducts a so-called “independent medical review” without ever scheduling an in-person examination. When this happens without substantial evidence of improvement, your termination may be improper.
Why These Issues Matter
Insurance companies are legally obligated to act in good faith and honor valid claims according to policy terms. When The Standard fails to do so, it can cause serious financial and emotional harm—especially when you’re already dealing with a medical condition that prevents you from working.
An experienced disability attorney at DarrasLaw can examine your claim file, medical records, and policy language to determine whether your case meets the standards for legal action or appeal.
The Role of Evidence in Building a Strong Case
The strength of your case often depends on the quality and completeness of your documentation. In addition to medical records, detailed statements from your doctors, vocational experts, and even coworkers can help illustrate how your condition limits your ability to work. Employment records, pay stubs, and correspondence with The Standard may also serve as critical evidence to demonstrate that your benefits were wrongfully denied or terminated. A knowledgeable disability lawyer can help you gather and organize this evidence to build the strongest possible case.
What to Do If You Suspect an Unfair Denial
If you believe The Standard wrongfully denied or stopped your benefits:
- Request your complete claim file – You have the right to review all documents, medical opinions, and internal notes related to your claim.
- Document every communication – Keep copies of letters, emails, and call logs.
- Consult a disability attorney early – Strict deadlines apply under both ERISA and private insurance policies. A lawyer can ensure your appeal is filed correctly and backed by strong evidence.
Get Help from an Experienced Disability Lawyer
At DarrasLaw, we help clients stand up to powerful insurance companies like The Standard. Our attorneys understand how to interpret complex policy language, uncover errors in the claims process, and build persuasive appeals or lawsuits on your behalf.
If your disability benefits were denied, delayed, or terminated, you don’t have to face the insurer alone. Contact DarrasLaw today for a confidential consultation and learn whether you have a valid case against The Standard.