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Has anyone had the misfortune to file a disability claim through your employer with this company? On 11/19/12 HR at my employer sent them my paperwork and said it would take 7 days for a decision. No decision yet and HR has not followed up, so I'm hung out to dry. I have had to call Reliance constantly wanting to know what's going on and it's one excuse after another, making them and my employer look totally incompetent. If you're paying for short- or long-term disability at your company and this is the insurance company you're paying premiums to, quit wasting your money. This company has a bad reputation with many, many consumer complaints and lawsuits for nonpayment and, in some instances, billing the person for any money they received saying Reliance Standard changed it's mind and they want the money back. Before you sign on to work with any company, if you intend on paying additionally for disability insurance, you might want to find out who the insurance company is that they use. If it's this one, don't do it. Check out http://insurance.freeadvice.com/reviews/247/ and read the complaints.