Hartford Buys Out Disability Policy Following Appeal

When our client first contacted our Office he was unsure if he even had a case worth pursuing. After being on long term disability for a year, and still within his “Own Occupation” period Hartford denied his claim for continued benefits based on video surveillance conducted, an in-person interview, and the results of an Independent Medical Examination they had sent him to. By all accounts, prior to denying the claim, Hartford had performed a thorough review of the claim. The loss of monthly benefits and the financial hardship that resulted on account of it was made even worse due to the fact Hartford was also threatening to send him to a collection agency to recover an overpayment on his claim. If this wasn’t bad enough, prior to contacting Attorneys Dell & Schaefer he had legal representation that dropped our client’s case a few weeks before the administrative appeal was due to Hartford, as the attorney had felt there was not a reasonable chance of securing benefits. Despite all of this, Attorney Stephen Jessup resolved to assist our client in securing from Hartford what was rightfully his.

The Appeal

Our client’s Hartford policy contained a “discretionary clause” that would potentially require a Judge to give deference to Hartford’s decision to deny the claim should the case have to go to trial. Without a doubt, Hartford had certainly did enough in reviewing our client’s claim prior to denial to prove to a Judge that it had acted reasonable when determining our client was no longer entitled to continued benefits. Realizing this Attorney Jessup’s first and most immediate order of business was securing an extension to file our client’s appeal as it would take some time to compile additional evidence to strengthen our client’s claim and not only give him client the best reasonable chance of winning his Appeal but also to give him the best chance of prevailing at trial.

Hartford granted a brief extension to file the appeal. During this time Attorney Jessup secured a copy of the Claim File and set to work to review and find any discrepancies and inconsistencies to undermine the volume of information Hartford created and compiled to deny the claim. Attorney Jessup arranged for our client to undergo an independent Functional Capacity Evaluation and coordinated with our client’s doctors to prepare responses to Hartford’s Independent Medical Examiner’s report. Additionally, as Hartford had denied our client’s claim during the “Own Occupation” period Attorney Jessup also focused his attention to ensuring that Hartford would not simply overturn its denial as it related to our client’s inability to perform his Own Occupation and then deny for any additional benefits under the “Any Occupation” definition of disability.

When all of the information was gathered Attorney Jessup submitted our client’s Appeal. Despite all of the steps Hartford had taken to deny the claim Attorney Jessup was successful in forcing Hartford to overturn its initial denial.

Overpayment and Buy Out

After the denial of benefits was overturned Attorney Jessup was then able to prevent our client’s overpayment from being referred to collections and negotiated a repayment plan with Hartford. During this time Attorney Jessup also worked to ensure and secure benefits for our client into the Any Occupation period. After successfully navigating all the obstacles that had plagued our client’s claim Attorney Jessup was able to negotiate with Hartford to secure a lump sum settlement of our client’s claim for benefits.

In less than a year our client went from feeling hopeless and abandoned when his claim was denied to constantly worried about whether Hartford would arbitrarily deny his claim again, and now to being secure in knowing his income is protected and he will no longer be at the mercy of Hartford.

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FAQ

Do you help Hartford claimants nationwide?

We represent Hartford clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Hartford disability insurance policy?

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.

How do you help Hartford claimants?

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.

Our experienced lawyers can assist with Hartford:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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.

Reviews   *****

Todd H.

My experience of dealing with The Hartford for my company LTD benefit was a nightmare from the start. Our company chose an “any occupation” clause from day 1 of disability leaving the door open to almost automatic decline. Of course, that is what happened.

I researched on the internet for days for a firm that knew ERISA Disability Laws and specialized in them. After an email to Dell & Schaefer, I received a call from an attorney named Victor the same day. After I described my occupation, he said “We have another attorney that I work with here who has helped many others in your occupation and I think he is better prepared than I to get you this benefit”. He about blew me away-sending business AWAY for MY sake? I knew, right then, that my choice of Dell & Schaefer was the correct one.

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