Hartford Settles Disability Claim of 60 Year-Old Account Executive After Terminating LTD Benefits

Our client worked as an Account Executive for many years until he suffered an accident that required him to undergo neck surgery. Harford approved his long-term disability benefits and paid him for over three years. His condition never improved, in fact it became worse after he suffered a stroke. After paying the claimant for several years, Hartford determined that he was capable of returning to work in a full-time capacity, completely disregarding his treating physician’s medical opinion that he was incapable of full-time or even part-time work.

Hartford Tricks Treating Physician Into Signing Document Stating His Patient Can Work

Disability insurance carriers are notorious for harassing claimants’ treating physicians with an overwhelming amount of paperwork hoping at some point the physicians will become fed up and stop supporting their patient’s disability. The insurance carrier will send countless letters to treating doctors asking them to fill out documentation stating their patient can return to work. Unfortunately, most physicians are extremely busy and do not have time to read through lengthy paperwork and will sign off on forms that may or may not contain the correct information.

Hartford was not satisfied with the claimant’s treating physician’s opinions which supported his inability to perform full-time sedentary work with any reasonable continuity. Therefore, Hartford sent his doctor a statement asking him to sign if he agreed that he could go back to work or provide a reason he could not work full-time sedentary work. In haste, his physician signed Hartford’s statement not realizing it did not coincide with his previous opinions. Of course Hartford was hoping this would occur and as a result, the Hartford terminated his disability claim. However, the claimant’s physician was always of the opinion that he was not capable of full-time sedentary work and would stand by his original medical opinions.

It came as a surprise to our client when he learned that the physician he had been treating with for years, who consistently supported his inability to work, and previously stated that his disability was permanent, signed a letter provided by Hartford stating that he was able to return to full-time sedentary work.

In her appeal, Attorney Rachel Alters provided an additional Attending Physician’s Statement clarifying the medical opinions of the claimant’s treating physician. The claimant’s physician did not remember signing the letter stating his patient could return to work and had always been of the opinion that he was incapable of performing the material and substantial duties of his occupation or any gainful occupation due to cervical disc disease, radiculopathy, rotator cuff injury, neck and shoulder pain, left sided weakness, bilateral carpal tunnel syndrome and lower back pain. Attorney Alters also argued that Hartford acted unreasonably by failing to consider the Social Security decision as well as failing to retain a qualified physician to review our client’s claim.

Hartford Acted Unreasonably By Failing To Hire a Physician to Review His Claim

Hartford had a duty to reasonably investigate our clients claim prior to terminating his benefits. However, Hartford did not even bother to retain a physician to review his claim and failed to have a physician’s examine him to determine whether he was disabled. Our client was clearly disabled as was confirmed by the Social Security Administration when they determined he was not capable of performing full-time sedentary work.

Hartford Upholds Decision To Deny Benefits and Claimant Files Suit In Federal Court

Hartford upheld its decision to deny our client’s benefits claiming that the medical evidence failed to support his inability to work in a full-time sedentary capacity. Dell Disability Lawyers filed a lawsuit in federal court on behalf of our client alleging that Hartford violated his rights under ERISA and that their decision to terminate his benefits was arbitrary and capricious. The suit was amicably resolved in a confidential settlement prior to trial.

If you would like to obtain a free consultation to discuss your disability insurance claim with Hartford or any disability company, then please contact Dell Disability Lawyers.


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Hartford Reviews
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Policy Holder Rating

1.6 out of 5
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Showing 8 of 70 Reviews
Hartford

Bad Faith

Reviewed by Dustin G on October 12th 2023   Verified Policyholder | November 2020 date of disability
They kept asking my doctor for the same information that they did not need to process my claim. He kept sending in the same information, and they kept asking for it. My do... read more >
Hartford

Denied by Hartford after 20 years of Payments

Reviewed by Mary on October 11th 2023   Verified Policyholder
Hello,I am a Multiple Sclerosis patient. I also have Lymph-edema, Asthma, Blood-clot problems, Bi-Polar 1 Depression, and Head & Neck Injuries. And now, due to MS, Spast... read more >
Hartford

This company is a scam!

Reviewed by Hana K. on July 13th 2023   Verified Policyholder | December 2022 date of disability
The Hartford does not pay claims. The Hartford only collects premiums. The Hartford doesn’t care if you are terminally ill. I’ve been employed at my employer since 201... read more >
Hartford

Hartford Stopped Payments

Reviewed by Fed up in PA on April 13th 2023   Verified Policyholder | January 2023 date of disability
Worst company ever. Their analysts will go against your treating provider every single time. Horrible experience, just horrible.
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 >

Answered Questions by Our Lawyers
(58)
Showing 8 of 58 Answered Questions

Q: Can a disability company record my phone calls?

Answered on November 23rd 2023 by Attorney Rachel Alters
A: Kansas bars the recording, interception, use or disclosure of any private conversation without the consent of ... Read More >

Q: My employer terminated me 11/14/23 while my LTD claim is being appealed by the Hartford. Does my appeals process get terminated as well?

Answered on November 20th 2023 by Attorney Gregory Dell
A: Mark:Your termination of employment in the facts you describe has no impact on your Hartford claim. Be ver... Read More >

Q: Can I sue the Hartford for something other than claim denial or outside of ERISA?

Answered on November 8th 2023 by Attorney Gregory Dell
A: If you have an employer provided policy then your only remedy is to seek denied benefits in a lawsuit, attorne... Read More >

Q: Long Term Disability with Hartford - They are Stopping my Disability Benefits

Answered on September 20th 2023 by Attorney Gregory Dell
A: Betty,The manner in which Hartford has treated you is consistent with the unreasonable and uncaring treat... Read More >

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Answered on August 21st 2023 by Attorney Alex Palamara
A: Spacey, I am happy to hear that Hartford has approved your claim for LTD benefits and that they have been payi... Read More >

Q: Wrongfully terminate my LTD claim, AND take my qrtly bonus....?

Answered on August 4th 2023 by Attorney Alex Palamara
A: Tammy, I am sorry to hear how Hartford has treated you. It might be best for us to speak so that I can get som... Read More >

Q: Phi violation

Answered on June 21st 2023 by Attorney Jay Symonds
A: Jen, I’m not sure how they would have your information but in some cases an employer will submit a claim on ... Read More >

Q: Why is Hartford asking for reimbursement?

Answered on June 6th 2023 by Attorney Gregory Dell
A: Most group disability policies require a claimant to pay back any social security disability benefits received... Read More >
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In the recent case of Ferrin v. Aetna Life Ins. Co. a federal judge from the Northern District of Illinois determined that Aetna improperly te... Read More >

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In August of 2019, the next of kin for a man currently incarcerated in Florida State Prison reached out to our firm as his relative had been d... Read More >

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