Attorney Claim Handling Gives Claimants Protection Against Hartford

Peace of mind and protection against claim denial is the reason our clients rely on our disability lawyers to manage their Hartford disability claim. Claim approval does not mean that Hartford will pay benefits for as long as you want them. We have known Hartford to be aggressive in its hunt for reasons to deny long-term disability claims. The Hartford claim rep assigned to your long term disability claim is required to review your claim every month and determine your eligibility before a benefit check is issued. Hartford has the right to stop paying benefits at any moment they believe that the claim is no longer supported. Our law firm offers a unique flat monthly fee service in which we take over the handling of every aspect of your claim with Hartford so that you only deal with our firm. In the video above we discuss our monthly claim handling service.

The Benefits Of Having Our Law Firm Handle Your Hartford Claim Are Multiple:

1. Hartford can no longer contact you for any reason as all communications both oral and written must come to our office
2. We complete every claimant statement with you
3. We work with you and your doctor to complete each Attending Physician’s Statement
4. We prepare you for visits with your doctors so that your doctor will properly document your medical records in accordance with Hartford’s requirements
5. We make sure every monthly benefit check is received timely and paid correctly
6. We alleviate the anxiety commonly caused by receiving letters from Hartford and unprepared phone calls
7. A Hartford rep or third party investigator cannot come to your home unannounced
8. We limit the scope of any medical exam requested by Hartford and make sure you don’t get examined by a doctor known for claim denials
9. We consult you on things you can do that will not jeopardize your benefits
10. We give you piece of mind knowing that you have a lawyer that knows every detail of your claim and is ready to take immediate action if your claim is wrongfully denied

Does Hartford Think There Is A Problem Because You Have A Lawyer?

From our experience Hartford prefers for a claimant to have a lawyer. With a claim professional present, the claim for disability benefits becomes a business-to-business relationship rather than a business-to-consumer relationship. There are no games played by Hartford when our law firm is involved. Hartford has probably handled more cases with our law firm than any other law firm in the country.

There is a level of respect and competency that has been recognized by Hartford and we focus on getting our clients monthly benefits paid in a timely and efficient manner. Our approach to claims is to fight aggressively if our client’s disability claim is denied.

However, unlike most other law firms we don’t fight unnecessary disputes during the claim handling process that will only lead to a further delay in payment of your claim. We know that our clients rely on the consistent and timely payment of their Hartford disability check. We protect your claim to make sure the Hartford disability benefits are paid for as long as you need them.

Questions About Hiring Us

Do you handle ERISA Hartford appeals?

If your disability income claim has been denied by Hartford and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Hartford. Our law firm has handled thousands of ERISA appeals against Hartford. We have a streamlined process that will allow us to prepare a very strong appeal on your behalf.

Do you help with Hartford applications?

The application for disability benefits with Hartford is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Hartford. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Hartford. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Hartford.

Do you file Hartford lawsuits?

If Hartford has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Hartford. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Hartford. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Hartford.

Can you help with a Hartford disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Hartford and we know the unreasonable denial tactics used by Hartford to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Hartford.

Do you manage Hartford monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Hartford disability benefits continue for as long as you need them. Many claimants either don’t trust or experience aggravation dealing with Hartford. Dell Disability Lawyers manages every aspect of your claim for disability income benefits from Hartford. Hartford only interacts with our law firm. Contact us to learn how we can manage your disability claim.

Can you negotiate a Hartford lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Hartford. Our disability lawyers have established relationships with the people at Hartford that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Hartford. Our goal is to get you the highest buyout possible.

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 decision, 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 800-698-9159 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.

Is The Hartford good at paying claims?

Compared to other similar companies, Hartford eventually pays more claims. Customer reviews of people who have received payouts is higher for Hartford than similar companies. When you file a claim with Hartford, you want to make sure that your paperwork is filled out correctly and completely. Failing to provide all of the necessary information can lead to delays in processing your claim. In the event that there are any questions or discrepancies about your claim, Hartford has a customer service team who can help answer any questions you may have and help ensure that everything is done correctly.

How long does it take for The Hartford to process a claim?

In general, it takes 30 days to investigate a claim. Payments will begin shortly after approval. However, depending on the complexity of the claim, it could take longer. The Hartford may need to obtain additional information, review medical records, speak with witnesses or other parties involved in the incident before making a decision on the claim. In addition, if your claim is denied then the appeals process can take up to several months.

What happens after a claim is processed?

An adjuster will review your claim. They may ask for additional details regarding your injury as the claim investigation proceeds. If approved you will begin receiving payments.

The first step in the process is to calculate the amount of the payment. This includes computing the total amount payable and any deductions that may apply, such as deductibles or copayments. The adjuster will also evaluate whether you are eligible for additional benefits, such as wage-loss coverage or medical treatment coverage.

After calculating payments, the insurer will send out a notification to inform you on the amount of payment and when to expect it. Then, they will mail out a check directly to you or your bank account.

Once a claim is approved, claimants may be eligible for additional benefits depending on their individual situation. These benefits can include reimbursement of out-of-pocket medical or other expenses, rehabilitation services, and wage replacement for lost income due to the disability. If you are eligible for additional benefits, an adjuster will contact you to discuss these options in more detail. 

Why would The Hartford deny a claim?

Hartford may reject your long and short-term disability claim if you fail to provide requested medical and financial records promptly. The Hartford, along with other disability insurance companies, includes a “Proof of Claim” or “Notice” clause in their policies. Failure to meet deadlines could result in claim denial. With complex claims, it may be difficult to respond within the timeline Hartford has established. 

Other reasons why Hartford may deny a claim include:

• Not meeting the definition of disability. The Hartford offers different types of coverage and policies that have different definitions of disability. In order for a claim to be approved, the individual must meet or exceed the definition of disability as outlined in the policy.

• Pre-existing conditions. If an individual has any pre-existing health issues that are related to their disability, the claim may be denied.

• Not providing enough medical documentation. The Hartford requires detailed medical records from a variety of sources in order to evaluate a claim. If an individual does not provide the necessary documents or does not respond promptly to requests for additional information, then the claim can be denied.

• Filing after deadlines have passed. All claims must be filed within the specified deadlines in order to be considered. If a claim is not filed or completed on time, then it may be denied.