• Hartford Disability Denial of Woman with Sjögren's Syndrome Reversed by California Court

California Court Rules That Hartford Acted Unreasonably and Reverses Disability Denial

Disability Attorney Rachel Alters discusses a recent ruling by a California District Court in a lawsuit filed against Hartford. The claimant suffered from Sjögren’s Syndrome. (Note: Attorneys Dell & Schaefer did not represent the claimant in this lawsuit.) The Court ultimately ruled in favor of the claimant, finding that Hartford’s review of the claim was substandard and not acceptable.

Among other errors, Hartford failed to have the claimant examined by a medical specialist, opting instead to have only her paper medical records reviewed. Hartford’s consulting physicians who reviewed the records determined the claimant was not disabled but did not offer explanation as to why their opinions differed from the contrary opinions of the claimant’s own treating physicians.

The Court awarded the claimant 24 months of benefits which she was entitled under the “own occupation” definition of disability, remanded the claim back to Hartford to review eligibility for benefits under the “any occupation” definition of disability, and awarded the claimant attorney’s fees and costs – a substantial victory for this claimant, and for future claimants going up against Hartford. If your claim for disability benefits has been denied by Hartford, or any other disability insurance company, please feel free to contact any of our disability attorneys for a free consultation to discuss your disability insurance claim.

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Do you help Hartford claimants nationwide?

We represent Hartford clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Hartford disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Hartford. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Hartford.

How do you help Hartford claimants?

Our lawyers help individuals that have either purchased a Hartford long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Hartford:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Hal M.

My wife and I were quite pleased with how Dell & Schaefer managed to procure a buyout from a nation-wide disability insurance company, whose name has been consistently associated with attempts to discredit the expert diagnosis of qualified physicians, in favor of their own staff appointed representatives. A practice that they have routinely used over the years in order to deny as many valid claims of disability as possible. They have also used this tactic to undermine the validity of many of the recipients of disability benefits who were already receiving their disability payments, as was the case with us. Dell & Schaefer was familiar with these tactics and the other methods used by this particular disability insurance company and it is for this reason that we contacted them. We were glad that we did.

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