• Hartford Disability Company Field Interview Request And Video Surveillance Usage

Hartford Disability Company Field Interview Request and Video Surveillance

Hartford Disability Company, and other disability insurers, use video surveillance and field interviews as a technique to deny claims. A recent federal court case found that Hartford correctly terminated long term disability benefits for a claimant who was caught on video surveillance engaging in activities which she had claimed she could not do.

In this case, after Hartford conducted its surveillance, which was done surreptitiously as usual without the knowledge of the claimant, the company subjected the claimant to a field interview. Unfortunately, during the interview, the claimant lied about her actions, denying she had engaged in any of the activities that had been captured on video.

Based on the video surveillance and the falsehoods told by the claimant during the interview, the court concluded that Hartford did not act arbitrarily or capriciously in terminating this claimant’s long term disability benefits.

What to Learn From the Case

When claimants fill out their application for benefits, they present activities they cannot do. For example, they say they can only sit or stand for a certain period of time or can only drive short distances. This may be updated as time goes on.

Later, generally after a claimant is receiving benefits, the insurer will conduct video surveillance to try and catch the claimant doing some activity they claimed they could not do, or which the insurer can interpret broadly as the activity being inconsistent with the claim. Maybe the claimant drove two hours after claiming he or she could not sit for more than 10 minutes.

But, the big problem occurs in the field interview. The claimant must be truthful. The activity caught on video surveillance may have a reasonable explanation and be a complete aberration from the claimant’s usual daily activities. But, if claimants deny they engaged in the activity, any other claim they make about their pain and suffering or inability to do certain things is no longer credible.

At Attorneys Dell & Schafer, we believe an attorney should prep the client prior to a field interview so the client knows what to expect. Claimants should always assume they have been captured on video surveillance and should be honest about their activities. One of our attorneys will also be present during the field interview. If you need any help with your disability claim, no matter what stage you are at, feel free to contact us for a free consultation.

Learn why the Hartford lawsuits are challenging for disability claimants.

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Questions About Hiring Us

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   *****

Gerald T.

I contacted Dell & Schaefer out of frustration with Metlife’s complete lack of response to my notice of claim letters. In my conversations with attorney Jay Kanter he reassured me I had a good policy and a solid case for long term disability benefits. Mr. Kanter was able to get a prompt response from Metlife and guided me through the application process. The assistance of attorney Kanter was instrumental in the approval of my claim and has made the application process and ongoing claims maintenance much less stressful than trying to go it alone. Everyone at Dell & Schaefer I have had contact with has been helpful and professional. I appreciate how they continue to represent me in the maintenance of my long term disability claim.

***** 5 stars based on 202 reviews

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