SMDA gets LTD claim reinstated

SMDA was recently able to get Long Term Disability insurance benefits reinstated for a client who had developed significant orthopedic spine problems.  The client had last worked at a sedentary job for an engineering firm.  The Disability insurance company (Reliance Standard) had initially approved and paid benefits for more than a year.  However, they subsequently  reversed course and terminated benefits.

SMDA filed a comprehensive administrative appeal including voluminous medical records as well as a comprehensive analysis of the client’s various medical conditions with supporting documentation from numerous treating physicians.  Upon review, the disability insurance company agreed to reinstate the benefit claim.

This is a good example of why a claimant should prepare a comprehensive administrative appeal-Because it may result in the reinstatement of benefits without the need for lengthy and time consuming litigation all while the claimant has no income coming in.