Federal lawsuit against Hartford Insurance alleges company refuses to pay disabled Patriot Act analyst

A Federal lawsuit filed in United States District Court Southern District of Florida accuses the Hartford Life and Accident Insurance Company of breaching its contract with Branch Banking and Trust (BB&T) and a BB&T employee. Filed by noted disability insurance law firm Dell and Schafer, the suit states that Hartford is refusing to pay benefits to the employee, a U.S. Patriot Act/Anti-Money Laundering Analyst. The refusal by The Hartford violates the Employee Retirement Income Security Act of 1974, commonly referred to as ERISA.

The lawsuit states that Hartford claims the analyst is capable of working, despite a medical diagnosis of Cervical Degenerative Disc Disease and migraine headaches. The analyst has been unable to perform one or more of the essential duties of her occupation due to her condition since June of 2006. While Hartford initially agreed to pay the claim, the company reversed its decision, stating that the analyst can continue to work. Doctors, however, say that the analyst is completely disabled under the terms of the Hartford policy.

According to the lawsuit, the analyst and her employer paid premiums to Hartford Life and Accident Insurance Company per the terms of the contract, and followed all policies and procedures in submitting the claim. At all times the analyst has been and remains disabled and is entitled to Long Term Disability Benefits under the terms of the policy. While the Social Security Administration approved her disability benefits, Hartford refuses to advise the analyst, or her attorneys, what additional information is needed for the claim to be honored. As a result of Hartford’s refusal to honor its legally binding contract with the analyst, the analyst has been forced to retain legal counsel to represent her in this matter.

The plaintiff seeks entry of judgment against Hartford for damages including but not limited to past due contractual benefits, future benefits, interest, and attorney fees.

Read more about the Hartford disability lawsuit.

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There are 2 comments

  • This seems to be standard operating procedure for Hartford. Several coworkers were treated likewise. My LTD was started and before 2 years was up – they forced me onto the government’s SSDI payroll. I even told the people at the SS office. My LTD benefits with the Hartford were to end at the age of 65 according to my contract. Sounds like a case of abandoning their contractual responsibility and forcing the government to do it instead.

    Gloria AndersonMay 17, 2014  #2

  • My husband is disabled with brain cancer. We have been fighting with Hartford for a year about his LTD. They finally started to pay us again, only to come up with another reason to decrease the amount and tell us they “overpaid” us and now we owe them money.

    Deana HendersonJun 1, 2011  #1

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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.

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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.

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Dell & Schaefer Client Reviews   *****

Julia R.

Being very ill is extremely difficult for anyone to deal with. But trying to focus on health issues while navigating all of the complexities of STD and LTD really makes a bad situation worse and more stressful. I spoke with many lawyers before I was connected with Dell & Schaefer and they were the first and only ones to take the time to truly listen to my history and make the sincere effort to understand my situation. After that, they – specifically Rachel Alters and her brilliant team of professionals – did everything they could to support and champion my case – from dealing with insurance companies to speaking with my doctors.

Rachel and her colleagues helped me when I most needed help and continue to check in on me which is wonderful. As their client, you are not just a numbered file – you really are treated as a person who matters and their care, concern and consistent follow-up has made this challenging period in my life much, much easier.

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