Does Hartford Pay Disability Insurance Claims?
At Dell & Schaefer, we get questions about Hartford long term disability policies on nearly a daily basis. As one of the biggest names in insurance, Hartford is a well-oiled machine when it comes to processing (and, sometimes, denying) disability claims. Learn more about what it’s like to appeal Hartford’s denial of your claim for long term disability benefits.
Is Hartford a Company That Pays Disability Benefit Claims?
Hartford does pay many claims for disability insurance – but the real question being asked might be, “is Hartford a good company to deal with when it comes to a long term disability claim?” Hartford is a solid company with a good reputation. However, disability claimants who appeal the denial of their long term disability claim without an attorney may be less likely to prevail on appeal than claimants who are represented by counsel. Hartford has a team of attorneys and insurance experts on its side, which can be intimidating to anyone attempting to get it to overturn its long term disability claim denial.
Is Hartford a Difficult Disability Company to Deal with Compared to Other Disability Insurance Companies?
Hartford generally treats all claimants with respect, even when it is denying a claim for long term disability benefits. However, because its disability denial processes tend to be so thorough, winning a disability appeal will require the disability claimant to present a very complete case. This can mean extensive medical records, witness depositions, financial statements, and any other documents that might be relevant to your long term disability claim.
What is Different About a Hartford Disability Appeal Versus an Initial Application for Benefits?
Persuading Hartford that it made a mistake by denying your application can require much more thorough, complete evidence than what was contained in a fairly brief disability claim form. Attorneys approach this methodically, building a disability appeal piece by piece – and the attorneys at Dell & Schaefer have dealt frequently with Hartford and know what they’re looking for in the appeals process. In almost all cases, Hartford is most interested in a claimant’s medical records. Hartford focuses on whether your condition has progressed over time, even with treatment.
How Can Hartford Deny Disability Claims Without Ever Examining the Claimant?
It may not seem fair that Hartford can deny disability claims without ever examining the claimant or even speaking to his or her doctors. But in ERISA cases (or cases involving Hartford group insurance policies), Hartford simply doesn’t have to. This is why it’s so important for disability claimants and their legal advocates to put together a complete appeal that makes it clear the claimant is too disabled to work and therefore is entitled to long term disability benefits.
Is the Support from Multiple Treating Doctors Enough to Get Disability Approved by Hartford?
Like every insurance company, Hartford will look for reasons to deny a claim for disability benefits. This can mean using an in-house nurse or doctor to examine a claim and see if there is any basis on which to deny it. Because Hartford can hire these experts and they’re not required to examine or speak to the claimant, Hartford’s denial of a disability insurance claim often hinges on what’s missing, not what’s there.
Hartford Video Surveillance and Interviews are Used to Deny Disability Claims
Hartford is well-known for conducting video surveillance on its claimants, then following up this surveillance with a targeted interview. Because denying a claim can save Hartford tens or even hundreds of thousands of dollars in long term disability benefits, hiring a private investigator to follow a disability claimant for a day or two can be a good investment if the information the investigator finds provides Hartford with a reason for denial.
If you need to apply, appeal or file a lawsuit against Hartford to receive your disability insurance income benefits, contact any of our disability insurance lawyers for a FREE consultation to discuss how we can assist you.
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.