Dealing with insurance companies can be an uphill battle. Reliance Standard, one of the leading disability insurers in the U.S., is no exception. Reliance Standard is a subsidiary of Delphi Financial Group, LLC, which is in turn a subsidiary of Tokio Marine Group, one of the world’s largest insurance companies. Reliance Standard and its sister companies, including Matrix Absence Management and First Reliance Standard, administer millions of disability insurance claims for their policyholders – many of which result in denials.