Do You Need Help Getting Disability Benefits From ING/Reliastar? Contact Attorney Nancy L. Cavey
At The Law Office of Nancy L. Cavey, our ING/Reliastar disability claims attorney is a passionate, results-driven advocate for people and families. Over nearly 40 years, our law firm has successfully represented more than 5,000 clients. If you are filing a claim for the first time or your disability benefits were already denied, we can help. For a no-cost, no-obligation consultation with a top-rated Florida disability lawyer, please contact our St. Petersburg law office today.
What to Know About ING/Reliastar Disability Claims
The ING Group is a multinational banking and financial services company that is based in The Netherlands. It owns a large portfolio of insurance companies, including ING/Reliastar. Formerly known as ReliaStar Life Insurance Company and Northwestern National Life Insurance Company, ING/Reliastar was created out of the merger of multiple companies in the late 1990s.
Getting a disability claim paid by a large insurance company is challenging. Insurance carriers like ING/Reliastar are primarily interested in their own bottom line. They have a financial incentive to minimize the amount that they pay out in disability benefits. An experienced attorney can help you navigate an ING/Reliastar disability claim.
Are You Having a Hard Time Getting Disability Benefits from ING/Reliastar?
Was your short-term disability claim or long-term disability claim rejected by ING/Reliastar? If so, you have the right to file an appeal to seek the full financial benefits that you are owed under the terms of your disability policy. Large insurance companies such as ING/Reliastar deny claims for a wide range of different reasons. Your claim may be denied on any of the following grounds:
- A mistake in the disability paperwork;
- Missing documents or records;
- Dispute over the medical or vocational evidence;
- The misuse of a policy exclusion; and
- Bad faith conduct by the insurer.
Disability Claims: The Appeals Process has Strict Deadlines
The disability claims process is subject to strict deadlines. Missing a deadline could cause you significant problems—especially in the appeals process. Do not lose out on the opportunity to fight for the benefits that you deserve. If you receive ING/Reliastar disability coverage through your job, then you have 180 days to submit an administrative appeal. The clock starts on the date listed on your denial letter. If you have individual coverage (private market), you may have even less time to file your administrative appeal.
ING/Reliastar Disability Claims: Frequently Asked Questions
How Do I File for Disability Benefits With ING/Reliastar?
To file for disability benefits through ING/Reliastar, you must complete and submit the claims form, with all relevant supporting documentation attached. The appropriate claims form can be obtained through your employer (ERISA disability coverage) or directly from the insurance company. It is crucial that you prepare a well-supported claim. Small errors can cause problems. Make sure you have comprehensive medical evidence to support your ING/Reliastar disability claim.
When Will My Disability Benefits Start and Stop?
It depends on the specific terms of your disability policy. Most short-term disability policies have a 30 to 90 day waiting period before benefits can be paid. With long-term disability policies, the waiting period may be three to six months, potentially even longer. Once they start, disability benefits through ING/Reliastar will continue to be paid as long as you meet the medical and legal eligibility requirements—until you run out of benefits. Check the terms of your policy to see the maximum duration of benefits.
Is it Too Expensive to Hire a Disability Lawyer to Help With My Claim?
No. You can hire a disability lawyer to help with your ING/Reliastar claim on contingency. At The Law Office of Nancy L. Cavey, our legal team represents clients through our no-fee guarantee. We only get paid when we help people and families secure financial benefits. There are no out-of-pocket costs.
Was Your Disability Claim Denied By ING/Reliastar?
We are here to help. At The Law Office of Nancy L. Cavey, our ING/Reliastar disability claims attorney has the professional expertise and proven record of success that you can count on. If your disability claim was denied by ING/Reliastar, we are ready to get started on your case. Contact us now for a free, no-obligation review of your case. With a legal office in St. Petersburg, we provide statewide and nationwide disability representation.