• Does Hartford Pay Disability Insurance Claims?Does Hartford Pay Disability Insurance Claims?

Does Hartford Pay Disability Insurance Claims?

At Dell & Schaefer, we get questions about Hartford long term disability policies on nearly a daily basis. As one of the biggest names in insurance, Hartford is a well-oiled machine when it comes to processing (and, sometimes, denying) disability claims. Learn more about what it’s like to appeal Hartford’s denial of your claim for long term disability benefits.

Is Hartford a Company That Pays Disability Benefit Claims?

Hartford does pay many claims for disability insurance – but the real question being asked might be, “is Hartford a good company to deal with when it comes to a long term disability claim?” Hartford is a solid company with a good reputation. However, disability claimants who appeal the denial of their long term disability claim without an attorney may be less likely to prevail on appeal than claimants who are represented by counsel. Hartford has a team of attorneys and insurance experts on its side, which can be intimidating to anyone attempting to get it to overturn its long term disability claim denial.

Is Hartford a Difficult Disability Company to Deal with Compared to Other Disability Insurance Companies?

Hartford generally treats all claimants with respect, even when it is denying a claim for long term disability benefits. However, because its disability denial processes tend to be so thorough, winning a disability appeal will require the disability claimant to present a very complete case. This can mean extensive medical records, witness depositions, financial statements, and any other documents that might be relevant to your long term disability claim.

What is Different About a Hartford Disability Appeal Versus an Initial Application for Benefits?

Persuading Hartford that it made a mistake by denying your application can require much more thorough, complete evidence than what was contained in a fairly brief disability claim form. Attorneys approach this methodically, building a disability appeal piece by piece – and the attorneys at Dell & Schaefer have dealt frequently with Hartford and know what they’re looking for in the appeals process. In almost all cases, Hartford is most interested in a claimant’s medical records. Hartford focuses on whether your condition has progressed over time, even with treatment.

How Can Hartford Deny Disability Claims Without Ever Examining the Claimant?

It may not seem fair that Hartford can deny disability claims without ever examining the claimant or even speaking to his or her doctors. But in ERISA cases (or cases involving Hartford group insurance policies), Hartford simply doesn’t have to. This is why it’s so important for disability claimants and their legal advocates to put together a complete appeal that makes it clear the claimant is too disabled to work and therefore is entitled to long term disability benefits.

Is the Support from Multiple Treating Doctors Enough to Get Disability Approved by Hartford?

Like every insurance company, Hartford will look for reasons to deny a claim for disability benefits. This can mean using an in-house nurse or doctor to examine a claim and see if there is any basis on which to deny it. Because Hartford can hire these experts and they’re not required to examine or speak to the claimant, Hartford’s denial of a disability insurance claim often hinges on what’s missing, not what’s there.

Hartford Video Surveillance and Interviews are Used to Deny Disability Claims

Hartford is well-known for conducting video surveillance on its claimants, then following up this surveillance with a targeted interview. Because denying a claim can save Hartford tens or even hundreds of thousands of dollars in long term disability benefits, hiring a private investigator to follow a disability claimant for a day or two can be a good investment if the information the investigator finds provides Hartford with a reason for denial.

If you need to apply, appeal or file a lawsuit against Hartford to receive your disability insurance income benefits, contact any of our disability insurance lawyers for a FREE consultation to discuss how we can assist you.

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FAQ

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   *****

John S. (Alabama)

My Dell & Schaefer experience spanned over 7 years and it was in one word “Relief”. A fantastic relief. Why relief? Because dealing with my disability insurance company was nightmarish and D&S instantly relieved me of all the worry. From the very first conversation I had with Greg Dell, on a Sunday I believe, thru his help, he and his most competent team including Alex Palamara, Danielle Lauria, and Anneli De-Cardenas removed the proverbial 800 pound gorilla off my shoulders. Greg and Alex spent an initial, and draining 3 hours listening in while an insurance rep grilled me on an in-home interview. This was after they had filmed me on two separate previous occasions. They even followed me thru Walmart, cameras on! Yes folks, they will try to catch you doing anything outside the limits of your disability. They don’t want to pay you!

My Dell & Schaefer attorneys told me from the start, be honest when you talk to the insurance company people on that interview. I did and from that interview on, D&S handled everything regarding my policy. I was able to sleep at night knowing I had expert representation. Everything from my disability company went through Dell & Schaefer. This was a huge burden, relieved!

***** 5 stars based on 165 reviews

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