Hartford continues to use video surveillance to wrongfully deny long-term disability claims

On April 7, 2010, the ABC Good Morning America (“GMA”) show once again presented a story exposing the desperate actions of the Hartford Insurance Company. GMA’s recent news story can be viewed at the right. Disability insurance companies are notorious for using video surveillance. Hartford is one of the country’s largest long-term disability carriers.

Hartford regularly relies on disability video surveillance in an effort to deny long-term disability claims. The video surveillance is conducted without the permission of the claimant and usually takes place over several days or weeks. Disability companies such as Hartford will spends tens of thousands of dollars on one claim to conduct secretive video until they get footage that they think will support a claim denial.

“It is sad that disability claimants call me on a daily basis to discuss their fears of being videotaped by their disability insurance company”, said Gregory Dell, a nationwide long-term disability insurance attorney with Attorneys Dell & Schaefer. According to attorney Dell, “Disability claimants do not need to be worried about video surveillance unless they are engaging in activities that are inconsistent with things they have told treating doctors or the insurance company they could not perform. A claimant does not need to bedridden or helpless in order to be eligible for disability insurance benefits.”

Attorney Dell recommends that you take the following actions if you suspect video surveillance or are notified that your disability company has conducted video surveillance:

  1. Call police if there is any suspicious activity;
  2. Ask the disability insurance company to send you a copy of any video surveillance, including all written reports;
  3. Ask the disability insurance company to send copies of your video surveillance to your treating physician and ask your treating physician to comment on whether the activities in the video are inconsistent with your medical condition;
  4. If a private investigator comes to interview you, before you answer any questions ask if they have conducted any video surveillance. The investigator will try to catch you in a lie and then show you the video surveillance latter.

The disability insurance companies are permitted to video tape you at anytime if you are in the public domain. This means that you have no right to privacy if you are out in public. If your claim has been denied because of video surveillance you need to hire an attorney that is skilled in demonstrating that the video surveillance has no relevancy to the requirements of working any job for 8 hours per a day. There are numerous defenses and arguments that can be made in response to a disability company’s position that you are no longer disabled due to your activities on video.

DISABILITY INSURANCE COMPANY INFORMATION
Videos, Questions, Resolved Cases, Lawsuit Summaries & Company Reviews

disability insurance companies complaints

Leave a comment or ask us a question

There are 5 comments

  • I have had super migraines for more than 20 years finally 3 years ago I was told I had chiari malformation. I live in Rogers Arkansas, I can’t work because of the severe migraines, neck pain, back pain. I live where there are no doctors that know how to treat this condition or do the surgery. I finally found a neurosurgeon that did the surgery then disappeared, I can’t find him anywhere. It was a great but mercy says he doesn’t work here anymore. What do I do to have been denied disability 2 times? Awaiting to be scheduled a hearing forever… I need medicaid, I can’t see the doctors that I need to see, I have lupus, diabetes, chiari malformation, fibromyalgia. I am so desperate… I have a small settlement of $270.31 a month. The doctors think I just want drugs, well yes, it’s true I am in chronic pain 24/7, I really mean pain, what am I to do? I am voting on medical marijuana because I can use that instead of morphine and cut down the oxycodone. I just don’t know what to do anymore. I have no – and I mean no – quality of life anymore. You walk into an ER at the hospital and they automatically think your a druggie. I just want to be able to get out of the house an have some quality of life. Is there anyone that can help me I am desperate… There are now neurologists or neurosurgeons in Rogers , Springdale, Fayetteville and as of Sept. of 2012 none in Fort Smith. What do I do?

    Tracy LagunezNov 6, 2012  #5

  • The Hartford attempted to do an “in-home visit” which, when I tried to verify his dept., no one knew who he was; finally I found out he was a “special investigator” and wanted to come and do an in-home interview, ask me questions THEN show me the video. And my case handler LIED to me the day before saying she did not know who he was. Guess the company? The Hartford! Then, the next day I refused to let this man in my house until I had more info. They would not tell me when the video was taken. She, and her name is Victoria Vaugn, said they had not even verified it was me! And me and my mother look alot alike! Also The Hartford was the one who set me up with a group to start my social security! There is more. I have seen 5 different doctors, who all agree with my disablity. There is much more.

    Lelia TormaschySep 23, 2012  #4

  • Steve,

    Hartford can basically video you anywhere in public. They can video your wife as well. If Hartford tries to use the video surveillance for profit, then your wife may be able to sue them. They are not permitted by any law to stalk you, so you should call the police if you feel that this is taking place.

    Gregory DellMay 9, 2012  #3

  • The Hardford can do almost anything they want because current laws allow they to.

    They can get away with videotaping a claimant where ever or whenever they want.

    But what about other Family Members? Your Spouse? Your Children? Does the laws allow them to stalk and harass them also?

    On a recent Field Interrogation by an incompetent dolt sent by the Hartford at my Lawyer’s office (there was no way I would allow the scumbag in my home), he did the usual questioning then showed the video in an effort to intimidate. The footage he had was laughable, but The Hartford, along with a IME report done by a Doctor in their back-pocket, will terminate my LTD.

    However the video footage had at least 20 minuets of just my wife! Are these lowlife PI’s also allowed to do this? Does the law allow they to stalk your family as well!?

    Can my wife seek legal action against this corrupt company?

    Steve FordMay 7, 2012  #2

  • Insurance frauds costs us all billions each year. Why whouldn’t an insurance company use legal means to try and prevent fraud? I can see why this would cause someone undue stress… if they are committing fraud. Otherwise, who cares?

    SteveOct 17, 2010  #1

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.

Dell & Schaefer Client Reviews   *****

Shirley W.

My husband was looking for attorneys to help me with my disability claim. He was in Florida on business and happened to call Dell & Schaefer by accident. I have been out of work due to physical illness with an emotional component related to the pain from my physical problems.

My employer used a 3 party administrator for disability claims and they were less than helpful. I was afraid I was going to loose everything if they stopped paying my benefits. I received a phone call from attorney Rachel Alters. She was my angel! She had me fax all the communication I had received from the disability company. She read through all the of sideways language and was able to explain every bit of it to me. Best of all, once I hired Dell & Schaefer I did not have to talk to “the company again.” What a relief! As soon as “the company” found out I had a lawyer everything turned around. I was deemed totally disabled not only for my job but any JOB. Rachel guided me patiently and kindly through every step of this process.

As it stands now, “the company” is paying me a lump sum settlement, that Rachel worked very hard to obtain. They will continue to pay for the services of the company working on my social security disability. Rachel also negotiated my life insurance will be paid by the company until I am 65.

Also “the company” wanted to keep any retro-payments due to me from social security. Rachel stood up for my best interest and any funds that are due to me from Social Security are mine and “the company has no right to them.” Rachel has also educated me about managing a large lump sum of money and the responsibility associated with making it last. Rachel Alters is my lawyer but I also consider her my friend (I have never met her) but only a friend would work so hard to protect the interest of someone else.

Read 424 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us