This Colorado Police officer with chronic knee pains was initially approved for long term disability benefits by Reliance Standard. After paying for approximately 24 months the definition of disability changed and Reliance Standard decided this was the time to deny long term disability benefits.

Long term disability attorney Stephen Jessup discusses why Reliance Standard denied benefits and the strategies we took to get the Reliance Standard long term disability denial reversed.

We discuss what the 24 month change of definition from own occupation to any occupation means, what is contained in the claim file in a Reliance Standard disability claim and what a functional capacity exam is.

A vocational review by a hired vocational expert was essential to win disability benefits. Why do disability insurance companies commonly challenge knee disorder disability claims?