Experienced Ohio Prudential Disability Attorneys for The Standard Insurance Claims

Ohio does not require employers to offer short-term disability insurance, but many employers provide it as part of a comprehensive benefits package to stay competitive in the job market. The Standard Insurance Company is a prominent provider of these plans in Ohio, although they are known for frequently denying claims. If you’re facing a claim denial, an Ohio Prudential Disability Attorney can help you pursue the benefits you’re entitled to.

Disability Insurance in Ohio: What to Know

Since Ohio lacks a state-sponsored program for non-work-related disability insurance, employees often rely on private insurers like The Standard, or employer-sponsored plans. While employers aren’t legally required to provide this coverage, many do so voluntarily to attract talent.

Types of Disability Insurance Provided by The Standard

The Standard offers both short-term (STD) and long-term disability (LTD) insurance, covering employees for various lengths of time when they’re unable to work.

Short-Term Disability (STD) Insurance

Short-term disability insurance is designed to replace a portion of income for employees who are temporarily unable to work due to illness, injury, pregnancy, or other medical conditions unrelated to their job. Typically, STD policies cover 40% to 70% of an employee’s weekly earnings, with benefits lasting between 13 and 26 weeks depending on the employer’s plan. Ohio Prudential Disability Attorneys can help you understand the specific terms of your policy.

Long-Term Disability (LTD) Insurance

For those who cannot work for extended periods, long-term disability insurance provides income replacement, usually ranging from 50% to 70% of an employee’s monthly earnings. LTD coverage typically starts once STD benefits end or after a longer waiting period, and benefits may last until retirement age depending on the policy terms. The Standard’s LTD plans also may offer partial disability options for employees able to return to work part-time and support programs to help employees transition back to work when medically able.

Filing a Disability Insurance Claim with The Standard in Ohio

When filing a disability claim, employees should start by notifying their employer of the disability, as the employer must confirm eligibility for coverage. Claim forms, accessible online, through the employer, or by contacting The Standard’s customer service, must be completed by the employee and often require information from the employee’s physician to confirm the medical condition causing the disability. After submitting the claim, The Standard reviews the information to verify eligibility, which may include requests for additional documentation. If the claim is approved, benefits are paid according to the policy terms, typically by direct deposit or check, and for long-term disability claims, follow-up may be necessary, as The Standard may require periodic updates on the employee’s medical condition.

Key Records to Retain if Your Ohio Prudential Disability Claim Faces Delays or Denials

If Ohio Prudential—or any disability insurance provider—delays or wrongfully denies your claim, it’s crucial to keep or retrieve all correspondence exchanged with them. This documentation may include information Ohio Prudential sent to you, as well as any details you provided to them. Essential documents to keep on file include:

• Records of any additional information Ohio Prudential requested or that you voluntarily submitted, such as medical documents, pharmacy records, and test results from your doctor that support your claim.
• A copy of your appeal request, if you filed one.
• If someone else filed the appeal on your behalf, retain any form or authorization letter you signed to permit them to act for you.
• Documents reflecting any benefits paid or denied.
• Notes and dates from all phone and email conversations related to your delay, denial, or appeal, including interactions with Ohio Prudential representatives or any relevant professionals. For each interaction, include specifics like the date, time, names, and titles of the individuals involved, as well as any key information discussed.

This list is not comprehensive, but it highlights the key types of documentation you may need. Resolving a Prudential denied disability claim often hinges on seemingly small details—such as what was said or left unsaid, actions taken or overlooked, and the timing of those events. Having thorough records can make a significant difference in reaching a favorable resolution.

Contact an Ohio Prudential Disability Attorney Today

If you’ve been denied a disability claim by The Standard, an Ohio Prudential Disability Attorney can assist you in navigating the appeals process. Our experienced legal team is prepared to help you secure the benefits you need, ensuring you receive the compensation you’re entitled to during this challenging time.