Hartford Denies Long Term Disability Benefits After Paying for 22 Years

It is crazy that Hartford denied long term disability benefits to our client after paying for 22 years. Client initially went out on disability on April 15, 1999, due to a diagnosis of HIV/Aids, chronic hepatitis B, lipodystrophy, wasting syndrome, neuropathy/pain and fatigue. His claim was with Aetna, but after Hartford purchased Aetna, Hartford began an updated review in March 2020 to determine if he was still entitled to benefits after the client had been on disability for nearly 22 years. We have seen a lot of disability denials after Hartford purchased Aetna.  

Following a peer review report conducted in March 2020, Hartford determined that client had no viral load and that all blood chemistries have been normal, leading to a conclusion that our client’s complaints of symptoms were minimal and functional levels would suggest an ability to work. To clarify restrictions they scheduled him for an IME in June 2020 during the height of the COVID pandemic. The client was reasonably concerned about attending and Hartford agreed to have another review performed by an infectious disease doctor.

Two of the client’s doctors indicated that the client’s HIV was well controlled leading the reviewing physician to opine no necessary restrictions and limitations. Making the situation worse this opinion was forwarded to one of the client’s doctors who agreed with the level of functionality opined by Hartford’s doctor. Hartford then conducted a quick vocational analysis and found two low skill level work occupations it felt the client could do and denied the claim in late August 2020.

During the course of the appeal we were able to get the doctor who had agreed with Hartford’s doctor to clarify his position, ultimately leading him to draft a letter that although the HIV is well controlled it did not diminish the clients very real neuropathy and fatigue issues and that based on these issues the client would be disabled. We also sent the client to a FCE in March 2021 that indicated a less than Sedentary ability for full time work. Appeal was submitted April 22, 2021.

On appeal, Hartford’s reviewing doctors found restrictions and limitations that would prevent the client from performing full time sedentary work, resulting in his claim being overturned in early July 2021, we received notice that the claim had been reinstated. Given his lengthy claim history and reasonable mistrust of Hartford we negotiated a lump sum settlement for the client that was finalized in mid-September.


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Hartford Reviews
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Showing 8 of 66 Reviews
Hartford

Hartford never paid me

Reviewed by Nanette M. on April 26th 2020   Verified Policyholder
I went on disability March 25, 2019 until Dec. 23, 2019 from my job FedEx. The Hartford insurance company didn’t pay me my disability check after the end of July. I appe... read more >
Reply
Sent on April 26th 2020 by Attorney Gregory Dell

Nanette, we are sorry to hear that your claim for benefits for the period of July through December was denied. Please feel free to contact us for a free consultation.read more >

Hartford

Hartford rep felt so guilty over how the company treated me that she quit

Reviewed by Delton on April 8th 2020   Verified Policyholder
It’s been since 1998 but they really screwed me over big time and caused my family and I much distress ~ first they required me to go to a psychiatric doctor before they... read more >
Reply
Sent on April 8th 2020 by Attorney Rachel Alters

Delton, I’m sorry to hear about the experience you had with Hartford. Unfortunately since your claim dates back to 1998 it would be too late to file suit as the statu... read more >

Hartford

Hartford ajuster won't return my calls. I might have to move back to California

Reviewed by Jesse on March 17th 2020   Verified Policyholder
I was awarded medical for life, for my back injuries at work by the court of Los Angeles in California years ago. I moved to Colorado two years ago and for the past few mo... read more >
Hartford

Hartford keeps saying they haven’t gotten my paperwork

Reviewed by David C. on March 3rd 2020   Verified Policyholder
I have a short term disability claim through the Hartford through my job. I was approved to go back to work on March 9th. The Hartford keeps telling me they did not get my... read more >
Reply
Sent on March 3rd 2020 by Attorney Stephen Jessup

David, I would recommend you try to get a fax confirmation from your doctor, or better yet secure the information needed from your doctor and send to them. I have seen ... read more >

Hartford

I'm going bankrupt after Hartford rejected all my medical tests/records

Reviewed by JNC on February 26th 2020   Verified Policyholder
In January, I collapsed in a cross walk while crossing the street. I sustained injuries to my left knee and spine and have been chronic testing to determine the cause of m... read more >
Reply
Sent on February 26th 2020 by Attorney Jay Symonds

JNC: I suggest you contact our office and speak with one of the attorneys to address the specific questions you have regarding your situation as well as your options on... read more >

Hartford

Hartford has denying claims down to an artform

Reviewed by Judy P. on February 26th 2020   Verified Policyholder
I have been denied by the Hartford for LTD through my company. I can already tell they have this down to an artform.
Reply
Sent on February 26th 2020 by Attorney Jay Symonds

Judy: If this is the first denial you have the right to file an appeal but the deadline is time sensitive. Unless you plan to file your own appeal, I suggest you contac... read more >

Hartford

Hartford Insurance Company is a bunch of unpassionate people

Reviewed by Daniel B. on February 15th 2020   Verified Policyholder
Why is the Hartford Insurance Company a bunch of unpassionate people?
Hartford

Lack of respect, consideration, compassion and professionalism

Reviewed by Talita on January 23rd 2020   Verified Policyholder
My complaint about The Hartford is about the lack of respect, consideration, compassion and professionalism that I have been suffering.On December 4th, 2019 I had a pa... read more >
Answered Questions by Our Lawyers
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Showing 8 of 49 Answered Questions

Q: Do I have to sign the overly broad "AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION" form from The Hartford LTD insurance company?

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Q: Can a chiropractor fill out the APS for The Hartford LTD claim?

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A: Louis, yes, a Chiropractor can fill out an APS for a disability claim. That being said Hartford may try to min... Read More >

Q: Before I present my appeal, can I acquire exams and conduct an IME on my own (to avoid bribery/bias from Hartford)?

Answered on November 7th 2019 by Attorney Stephen Jessup
A: Michael, yes. In the course of an appeal you want to get as much beneficial information as possible, to includ... Read More >

Q: Can I get a lawyer to get the back pay Hartford still owes me?

Answered on August 28th 2019 by Attorney Rachel Alters
A: Laren, you could hire an attorney but it may cost you more than what you are owed for the STD back pay. I woul... Read More >

Q: How many IMEs can Hartford make you go through?

Answered on August 24th 2019 by Attorney Jay Symonds
A: DWT, most group policies allow the carrier to request that you be examined as frequently as they deem reasonab... Read More >
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