This is an honest review from a former client of Dell Disability. I hired them to represent me in a STD appeal and to handle the LTD claim once the policy kicked in. Reliance Standard had provided me with a claim file that had my name at the top but the letter was for someone who worked for a different employer and had all of their claim information in the letter. I had not been able to get a copy of the policies and the claim file was just a bunch of compressed and cut off pages. I had no idea what a claim file was supposed to look like but Dell Disability does. Dell represented me for 240 days. If I did not remove them as counsel on 4/28/23 Reliance Standard would have denied the claim when they got the peer review back. I would have never known that Dell never started the LTD claim and when the STD claim was denied I would have had no recourse. I would have never known that Reliance Standard only saved 3 pages of medical out of 351 pages to their administrative record. They appeal that I was sent by Dell Disability wasn’t the appeal that Reliance Standard. At the point I removed Dell i was owed 16 weeks of STD and the other 28 weeks would have been under the LTD policy. That is like Dell going to work for 43 weeks and only trying to get paid for 16. I think sometimes it’s more important for the employer to get rid of the claim all together and that was attempted with my claim. They waited to even start the appeal until after the policy with my employer was terminated. I found enough proof (it took me 707 days) but I was paid for all 707 days and put back on claim for LTD benefits. My advice: read your contract before you sign it. The contract doesn’t say a single thing Dell will do for you. Only what you are paying them and that all contact will go through Dell. You can’t request to see what Reliance has saved to it’s files yourself. That is intentional. Those records won’t be the same. Dell Disability is just setting the expectations in their videos of exactly what they are going to do.
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