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

Leave a comment or ask us a question

There are 2 comments

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

    Stephen JessupJul 15, 2016  #2

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

    Lisa HJul 14, 2016  #1

FAQ

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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.

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.

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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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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.

Reviews   *****

Amy W.

My disability claim had reached the 10 year “any occupation” point. The appointed insurance claims representation began calling and asking several questions and requiring that I answer, while indirectly threatening that my claim would be canceled if I did not answer immediately. It was very unkind and stressful to be threatened in this manner.

My claim was then set for cancellation after my medical records identified a temporary period of remission. They used one sentence of ten years of records that was based upon how I felt that day during that appointment. I contacted Dell & Schaefer and Attorney Gregory Dell responded to my e-mail within hours and on a Sunday. I was assigned to Rachel Alters. The insurance company asked me to do some pretty unsettling things, a physical capacity test that was being requested by LTD carrier to confirm their cancellation. Rachel was honest, direct and comprehensive while being timely and efficient. That is a hard find in any business to client relationship.

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