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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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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Reviews

Bruce R. (Arizona)

Steve Dell has done an exceptional job with my disability application process. The firm is extremely well managed. They have acquired an incredible amount of experience over many years. I recommend them for disability insurance claims without reservation. 

Don (Florida)

I called this firm a few months ago completely disparaged due to a company cutting off disability benefits at a time that nearly caused me to lose everything.

Attorney Alex Palmera and Danielle worked hard to reach an amicable settlement and my case was settled a few months later. This is a good firm and the specific expertise in disability claims saved me countless hours of hassle at a time when an already fragile state existed.

Thank you Mr. Palamara and Danielle.

Sandra B. (Arkansas)

I have nothing but good things to say about how my buyout was handled with my disability claim. The level of professionalism was amazing. All of my questions and concerns were answered either by Danielle L. or Alex P. in such a timely manner and with such care I would recommend them in a heartbeat to anyone needing to approach their provider with buyout options.

They did a fantastic job communicating between the provider and me, always keeping my best interest at heart and always answering my many many questions. They really did take most of the stress out of this whole situation. I would give them a 10 out of 10 for every step of this crazy journey. Thank you so much for helping me through this.

Brenda R. (New York)

I needed assistance with an appeal for a LTD claim that was initially denied. Stephen understood what needed to happen to win the appeal and he did win the appeal for me.

Michael C. (Virginia)

Greg Dell and his assistant Anneli have been extremely responsive and helpful, not only our initial consultations, but in follow-ups 1 and 2 years later with the insurance company to ensure that they comply with their agreements (which they did), as well as a separate and only slightly-related inquiry about our health insurance. I always hear back from them very quickly, which is rare and greatly appreciated.

Jeff P. (Oklahoma)

After a very long and frustrating ordeal to keep my LTD payments coming I decided to seek assistance from and attorney. After much research and asking those in the legal profession Dell & Schaefer seemed to be the top choice. I reached out and Alex Palamara was the attorney assigned to my case. All I can say is the experience was outstanding. Both Alex and his Paralegal, Danielle Lauria were excellent to work with. They were very kind, concerned, understanding of my frustrations and treated me with the utmost respect. Communication was excellent with regular updates and telling me what I could expect in each stage of the process.

Alex was also very straight forward with what to expect and no pie in the sky promises or expectations were made. In the end we won our case and I believe it was solely due to their experience and knowledge of not only the laws but the insurance companies as a whole. I would highly recommend them and am very grateful for the help they afforded to me.

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