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 Dell Disability Lawyers 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.
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.
Resources to Help You Win Disability Benefits
Get Your Hartford Disability Application Approved
Prevent a Hartford Disability Benefit Denial
Negotiate a Hartford Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.