Recently, a lawsuit was filed at the District Court for the District Of Kansas against the Reliance Standard Life Insurance Company (Reliance) by a Kansas disability attorney on behalf of a client who became disabled while working at HF Rubber Machinery, Inc. In Justin G Hutton Vs Reliance Standard Life Insurance Company, it was alleged that Reliance had wrongfully denied the plaintiff‘s claim for disability benefits based on an arbitrary and capricious determination that the plaintiff’s disability was a pre-existing condition. Let us examine the case in more detail.
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Many companies offer their employees long-term disability insurance, but there is also the potential for those same employees being denied coverage when they need it the most. No matter how many pages of medical reports your personal physical may present, if a doctor contracted by the insurer offers a different opinion, it is unlikely a claim will be approved. In fact, this is exactly what happened in two different disability insurance cases involving Aetna Life Insurance Company.
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