What Happens When the Treating Doctor Does Not Respond to the Insurance Company?

In this case, the claimant served as a plant manager for Charles Craft Inc., a position he held since the 1970s until he was compelled to leave due to a series of strokes and heart problems. Given his occupation required significant responsibility and oversight, it became untenable for him to continue in this role due to his severe health issues.Subsequently, the claimant faced multiple medical conditions, including difficulty breathing, high grade stenosis, hypertension, diabetes, and more, which significantly impacted his daily life. In addition to these challenges, he underwent various treatments, such as a urological stent procedure and the placement of drug-eluting stents into his heart, indicating the severity of his health conditions.However, when he filed a claim for long-term disability benefits, Reliance Standard Life Insurance denied his claim. They argued that he did not meet the policy's definition of "Totally Disabled," asserting that the medical evidence provided was insufficient to prove he was unable to perform his job duties, despite the extensive documentation of his health issues.In response, the claimant contended that Reliance Standard had incorrectly assessed his condition, arguing that his severe health issues indeed prevented him from performing his occupational duties. His appeal focused on challenging the insurer's interpretation of the medical evidence and their assessment of his capacity to work.This is the oral argument in the 4th circuit court of appealsThese public domain recordings are brought to you by Ben Glass Law, a national long term disability and life insurance firm headquartered in Fairfax, VA.By making these recordings into a "podcast," we've made the listening easier for claimants, attorneys and claims adjusters alike. If long term disability or life insurance benefits have been denied, we'd love to review your denial letter and give you a strategy for moving forward. This is a free service and you can go here to begin submitting your denial letter.