Can Hartford be punished for wrongful denial of a disability insurance claim?

Just a question from someone who has dealt with the Hartford Insurance Company. I was approved for SSDI, and I got approval for the Hartford LTD. They paid just long enough to where I got my premiums back, so I quit dealing with them – not worth the tooth and claw fighting.

My question is that one can tell that these claims people have been TRAINED to lie. So why is this business not shut down for fraud, RICCO, or whatever? Why don’t people go to jail, is what I’m asking? Surely some of their actions are jail-worthy. Why not more “teeth” in their punishment – besides just paying back payments?

Sharon T.


You ask a great question and the answer is that the insurance lobby has been strong for years and most politicians are not willing to go against their biggest donors in order to change the federal laws. The ERISA law was initially intended to protect claimants, but over the past 40 years the courts have managed to distort the law and create a pro-insurance company bias. There are a lot of good court cases out there that help claimants. Our job is to keep the insurance companies honest and make them pay the disability claims that should be paid. Insurance companies pay claims, but unfortunately they often get it wrong and wrongfully deny claimants. With proper representation and strong medical documentation a claimant can usually prevail.

Attorney Greg Dell

Comments (2)

  • Lisa, it is not unheard of. There are no laws against it happening, but typically they advise you in advance.

    Stephen Jessup Jul 15, 2016  #2

  • Can the insurance company show up at your house for in person interview without notifying you first

    Lisa H Jul 14, 2016  #1

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Chad B. (Illinois)

I originally spoke with 3 other long term disability lawyers about my case before contacting Dell and Schaefer. None of those law firms would take it. They said the chances of me winning was not good. After finding Dell and Schaefer online I spoke with one of the attorneys that has since left. He did take my case but later it was picked up by Rachel Alters. Rachel is amazing and a very intelligent attorney. She not only won my case but also was able to get my back pay for 6 months.

I also cannot say enough about Sonia Nogueira. Sonia was always quick to answer any of my questions. I would usually hear back from her within hours of sending her a email. I do not know where I would be if I hadn’t contacted them. My family and I cannot thank them enough. Don’t let an insurance company tell you they are not responsible for paying you. I paid them for 20 years monthly and they looked for any reason they could not to have to pay me when I needed my benefit. Thank you Rachel and Sonia for all you guys do.

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