Category: Blog

When The Standard denies a long-term disability (LTD) claim, the appeal process becomes your one critical chance to correct the record and present the strongest evidence possible. Many claimants don’t realize that ERISA appeals are closed-record—meaning whatever you submit during your appeal is often the only evidence a court can review later. That makes it […]

When The Standard denies your long-term disability (LTD) claim, it can feel confusing, stressful, and overwhelming—especially if you realize you may have missed a deadline to appeal or submit additional information. Because The Standard is one of the strictest disability insurers in the country, deadlines matter. But missing one does not always mean your case […]

Receiving a long-term disability (LTD) denial letter from The Standard can be overwhelming. After waiting weeks or even months for an answer, getting a denial can leave you confused, frustrated, and unsure of what to do next. However, understanding the contents of your denial letter is the first—and most critical—step toward protecting your rights and […]

Long-term disability (LTD) insurance is designed to provide financial protection when an injury or illness prevents you from working for an extended period. For many employees, The Standard is a trusted provider of employer-sponsored LTD benefits. However, policyholders often face challenges when submitting claims. Understanding the most common reasons for The Standard LTD claim denials […]

When your disability claim with The Standard Insurance Company is wrongfully denied, the path to justice often looks very different than a typical insurance dispute. That’s because most long-term disability policies from The Standard are governed by a federal law called ERISA—the Employee Retirement Income Security Act of 1974. If you’re dealing with a denied […]

When you file a disability claim with The Standard Insurance Company, one of the most important questions determining your rights is whether your policy is governed by ERISA—the Employee Retirement Income Security Act of 1974. In most cases, The Standard’s disability insurance policies are governed by ERISA, because they’re provided through employers as part of […]

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 […]

The Standard is a nationally recognized insurance provider, offering life insurance, disability insurance, and retirement plans to millions of policyholders. While many clients have positive experiences, some encounter difficulties that lead them to pursue legal action. Understanding the primary reasons behind these disputes is crucial for policyholders and anyone considering a claim. Denial of Disability […]

Unum is one of the largest disability insurance companies in the United States, providing both short-term and long-term disability coverage to millions of employees. While many policyholders receive the benefits they are entitled to, a significant number of people end up suing Unum after their disability claims are denied, delayed, or mishandled. If you are […]

If you’re considering challenging a denied disability claim from Unum, one of the most important things to understand is whether your case falls under ERISA (the Employee Retirement Income Security Act of 1974). ERISA governs most employer-provided disability insurance plans, including many Unum policies. But ERISA claims are not like ordinary lawsuits—they follow unique rules […]