RMS Disability Insurance Claim Denials

Struggling with a disability claim denial or delay by RMS? You’re not alone – and we’re here to help.

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Insurance Companies We’ve Challenged
  • Unum Provident
  • Unum Life
  • Metlife
  • Sun Life
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard

Why Do People Turn to Ronstadt Law?

Clients gravitate towards us because they trust us to fight tooth and nail for them – it’s our mandate to ensure RMS stands by the coverage that they promise their clients. We are known for our empathetic, knowledgeable approach, especially when tackling the labyrinth of long-term disability insurance claims.

Why Hire Ronstadt Law?

Client-First Approach – If we don’t achieve a favorable result for your case, you pay us nothing

Rich Experience – Our portfolio boasts thousands of successfully managed disability claims

Unyielding Dedication – We measure our success through the satisfaction of our clients

Esteemed Advice – Our prowess is recognized and respected across the legal sector

Complexity Unraveled – We embrace even the most intricate cases, including federal disputes and challenging litigations


RMS Insurance

RMS, renowned for its diverse insurance offerings, specializes in:
  • Disability Coverage
  • Life Insurance Policies
  • Health Care Plans
  • Retirement Benefits
  • General Insurance
Whether your disability claim is directly with RMS or one of its subsidiary companies, Ronstadt Law will guide you toward the justice you seek. While RMS garners substantial premiums, the timely dispensation of claims remains an issue for many. If you feel cornered by intricate policy interpretations or deliberately confusing terms and conditions, it’s time to challenge the insurance company.

Ronstadt Law is adept at confronting giants like RMS. We ensure your voice isn’t drowned out by corporate tactics – and remember, our commitment is on a contingency basis: no win, no fee.

Why Does RMS Delay Claims?

Often, big insurers like RMS capitalize on the funds they collect from premiums – these funds, when aggregated and invested, amplify their financial footprint. Of course, this practice incentivizes the insurer to prolong claim settlements, keeping the money in the investment and optimizing their investment.

If you sense an undue delay in your claims, align with us. We’ll ensure RMS prioritizes your welfare over their bottom line.

What Can You Do When RMS Denies Your Claim?

On occasion, RMS may lean towards ‘bad faith‘ techniques. You will know this is happening if you are confronted with:


  • A skewed interpretation of your policy terms
  • Red tape and bureaucratic mazes
  • Requests to consult with non-specialist medical experts for evaluations
  • The insurer overlooking (or ignoring) important medical evidence
  • Sparse communication that leaves you in the dark

The RMS Appeal Process

A denial by RMS should prompt an immediate appeal, where you officially request a claim reassessment. Time is of the essence due to stringent RMS and ERISA regulations – make sure you engage with a qualified and experienced insurance attorney to ensure timely and precise appeal submissions.

The Types of Cases We Manage

Long-Term Disability Claims
Long-Term Disability Claims
Long-Term Care Claims
Long-Term Care Claims
Life Insurance Claims
Life Insurance Claims
Insurance Bad Faith
Insurance Appeals
Insurance Appeals
When to reach out to an attorney for help.
Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.
Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.
Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt
Founding Partner
Kyle Shelton
Kyle Shelton
Senior Partner
five star
Ray Ortega | July 2021
In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

Feel sidelined by RMS or its associates regarding your claim? Ronstadt Law will review your case at no cost and clearly explain the route forward.
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