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.

Sharon,

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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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.

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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.

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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.

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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.

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Dell & Schaefer Client Reviews   *****

Dawn P.

I had to quit working after 8 years of dealing with chronic pain from 2 bulging and torn discs from an injury and failey back surgery. I was approved for Long term disability through my employer benefits, with Unum. They covered me with payments for one year, and suddenly sent a letter that their doctors disagreed with my surgeon and pain management doctors, and they felt I could go back to work full time. I hired a local attorney, trying to save some money, but I don’t think he had much experience dealing with big LTD companies such as Unum. He filed terrible appeals on my behalf with little to no effort on his part of building a good case for me. After a year of dealing with his condescending attitude and loosing my final appeal, I decided to call up Dell & Schaefer. I had contacted them a year prior when searching for an attorney. Cesar was willing to take my case and felt I had a good one. But I didn’t want to pay the percentage he was asking for if we won back then. The old saying, “you get what you pay for”, proved to be true in this case and I regretted not hiring him from the beginning!

Once I did hire him, and thank goodness he was still willing to take my case even though he was dealing with defending poor appeals by my previous lawyer, things got moving along for me. Because of his years of experience dealing with Unum, and his record of wins against them, within 6 months we had a settlement I could live with! The stress I suffered before Cesar and weight on my shoulders was gone! Cesar is a kind, caring, attorney who will fight for your rights! His assistant Michal always talked to me when I called in with questions or to check up on my case and never made me feel bad for calling. It was nothing like the previous relationship I had with my other attorney and his staff, who avoided me. Cesar explains the process well and keeps you updated on your options throughout the process. He was worth every penny!

I am grateful for their representation and would recommend anyone with an ERISA case to call him!

***** 5 stars based on 202 reviews

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