Hartford Disability Help

Question

After 3 months my LTD approval, insurance company stopped LTD payment during review of continuity and also have argument with insurance company regarding offset of my son's disabled adult child benefits

Name: Dell Disability Lawyers
Brand: Dell Disability Lawyers
Rating: 5 (746 reviews)

Asked on February 5th 2024 by Yifan

Dear Sir and madam,
I live in PA and has a problem with LTD insurance company, not sure whether your firm can execute lawsuit in PA? Here is the details about my situation. My LTD was approved in October 2023, predating my own disability. My son has been receiving SSI benefits since he turned 18. Upon the approval of my SSDI, my son became eligible for DAC (disabled adult child) benefits. I applied for DAC on behalf of my son in November 2023, and the approval was granted in January 2024. The new DAC benefits will replace SSI starting in February 2024. The insurance company believes my son's DAC benefits result from my disability, but I disagree. I believe DAC benefits are not subject to an offset from LTD because a disabled adult child receives Social Security Disability benefits based on the child's own disability. And you know what happens? Hartford immediately reviews my LTD and stops making payments. I need your help and may file a lawsuit to fight for my rights.
Thanks.

Answer

Answered on February 5th 2024 by Attorney Gregory Dell

Yifan:
Thank you for contacting us about a Hartford LTD denial. It sounds like there should not be a setoff due to your child’s qualifying SSDI disability. You need to file an appeal before you can file any lawsuit. If you contact us we can review your claim.

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Total INCOMPETENCE!!!

Reviewed by Bryan on January 23rd 2026 Verified Policyholder | December 2025 date of disability

They don't answer or return calls... lack of communication... unorganized... takes 3-4 weeks after approval to recieve a check... they mail checks on a friday... mailed me...

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Frustrating

Reviewed by Annie on September 29th 2025 Verified Policyholder | September 2025 date of disability

I’ve dealt with the Hartford before for short term disability. I’m now dealing with them due to feign off work for surgery on foot. Nothing has changed with this compa...

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Ran me Around for Months

Reviewed by David on July 5th 2024 Verified Policyholder | January 2024 date of disability

Scammers. Immoral horrible people.

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Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

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Reviewed by William M. on June 26th 2024 Verified Policyholder | June 2020 date of disability

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I was not able to work as a physician for about 14 months due to neck/back issues. Even though I had 3 medical doctors explicitly state that I was not to work AT ALL as a physician at that time, New York Life (NYL) Disability Insurance denied my long term disability claim (which apparently they deny a high percentage of people similar to me- only they know why they do this to so many- I have my own suspicions). I was in pain from my medical issues and so frustrated with NYL considering I had many bills coming due. I then decided to call Dell Disability Lawyers. One of their attorneys, Alex Palamara, spoke to me on the phone right then to hear and understand my story and then offer ways he could help. Long story short, within a few months of me returning back to work, he was able to persuade NYL to pay me my long term disability claim. He (and his kind assistant, Tabitha) were always very helpful, informative, and available to me. I feel quite certain that NYL would NEVER have paid me what was appropriate based on my insurance agreement/ contract with them without the help of Alex. I highly recommend him/Dell Disability Lawyers. If you find yourself in a similar situation of disability insurance denial of your own personal/group policy, especially if you are a medical provider/physician like me, then consider contacting them for advice/direction PRIOR to appealing your claim on your own.

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Alex Palamara is one of The Best lawyers in the world and Dell Disability Lawyers are the Best by Far. Alex and his Assistant Tabitha helped me get the compensation I needed for a Horrific Disabling heath condition I’ve been dealing with for over a year. Alex and his team were so professional and caring. They treated me like I was there own family. Alex Knowledge, Expertise and skills as a Lawyer is among the Best of the Best in his field and I would HIGHLY recommend that if you ever have any issues with any Insurance Company over your Disability issues, please don’t hesitate to seek out Dell Disability and Alex Palamara. They truly are Amazing and caring. Thank God for them. Outstanding Job Alex and Tabitha

G.T.

9 years ago when I had to apply for disability benefits from my private disability policy the insurance company ignored my inquiries until Dell and Schaefer represented me and I have received the benefits without interruption til my policy expired at age 65. I have appreciated not having to deal directly with the insurance company and having attorney Greg Dell and assistant Danielle Lauria handle all communications which included monthly progress reports. I thank them for their efforts on my behalf and highly recommend them to all those in need of disability benefits.

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I’m so thankful I chose to reach out to the attorneys at Dell. They have always been quick to respond to any and all questions I have had. The anxiety I had while dealing with Lincoln Financial on my own has decreased immensely since Alex and Danielle took my case. They were able to get my LTD denial reversed and I am so very grateful!

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Question

After 3 months my LTD approval, insurance company stopped LTD payment during review of continuity and also have argument with insurance company regarding offset of my son's disabled adult child benefits

Answer

Resources to Help You Win Disability Benefits

Submit a Strong Hartford Appeal Package

Sue Hartford

Get Your Hartford Disability Application Approved

Prevent a Hartford Disability Benefit Denial

Negotiate a Hartford Lump-Sum Settlement

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