Long Term Disability with Hartford - They are Stopping my Disability Benefits
I have had numerous issues with them calling me back most of the time when I leave a message, I don't get a call back. After leaving my claims representative (Stephanie Ellis) a message I thought if she does not call me back, I will not get my benefit and I won't be able to pay my bills. About two months ago I got approved for Social Security Disability and I received a lump sum from SSDI, and I knew i had to pay this back to Hartford for an offset. Hartford sent me what i need to pay them for the offset and I didn't agree with the amount, so I appealed it of course they disagreed and sent me that my appeal was denied, and the letter gave me options on what to do next. One of them is to contact an attorney which I planned on doing. Just got this letter last week stating the appeal was denied.
Anyway, when I called back to find out why my claim says closed on the website, I spoke to Shanayra and she said let me see what I can tell you on your claim from what I can see on the computer system. She tells me that my claim is only good until September 12th and then it will be closed out. She said on the 20th of September in two days I will get a partial benefit for payment from September 1st to the 12th. I said how can that be and what is the reason? She tells me that from what she can see the Hartford is saying based on my policy that I should be able to return to work maybe not the same occupation but back to work. She then said did your claim handler call and tell you ab out this? I was very surprised because no one has called or let me know that this is the case. I have had no notification of any kind that something was being evaluated on my claim. I spoke to my claim representative about 2 months ago and she called me to introduce herself as my new claim representative. Like I said the 5th claim representative I have had. She said that I have nothing to worry about on my claim, but she needed to set up a doctor evaluation for me and I will hear from someone when that will be.
I then received a call and had an evaluation scheduled about two weeks later. When I spoke to the lady at Hartford today, she said that she sees a letter in their system dated August 30th that has not yet been completed and sent to me yet. So why would a letter dated August 30th not have been completed and has not been sent and it is the 18th of September today. All of this is a shock and a huge surprise to me. I need these funds to pay my bills. I can't believe they can do this. Stop your benefit and give you no notification and are working on a letter that is dated August 30th over 19 days ago. I have no idea what to do right now I have had 3 doctors state I am disabled and filled out their lengthy disability forms in fact I know one was completed about 4 months ago by my primary physician. They want documentation basically every couple of months and it is nonstop with them. I can't work and how they can send me a letter that I have been approved for long term disability a while ago.
Now they are stopping my benefits after I am arguing with them on what needs to be paid back to them from my over payment from Social Security. Also had their evaluation they required me to do over a month ago cause this outcome. So now I should all of sudden be denied for disability and be able to go back to work. This is unbelievable I have jumped through so many of their ridiculous hoops just to have this happen. It took me over 2 years to get approved through Social Security for my disability and that just happened two months ago. My disability is memory issues as well as sone stomach issues. I was diagnosed with Brest Cancer or the second time in April of 2020 and I was told since this was my second time having breast cancer, I needed a full mastectomy. After the surgery I got a very bad staph infection and was in and out of the hospital for over 3 months to get the infection under control. I had to have a pick line put in and get home health care. I did have different chemo drugs this second time for treatment, so I had some different side effects.
I am having difficulties with my memory that is my major disability. Sometimes I can't remember what happened the day before. I have no idea if the chemo caused this or maybe the staph infection or Covid. I did have covid while I was going through my treatments. I was in and out of the ER and the hospital during the most critical time of covid. I am very frustrated since my only income will be SSDI if I can't get my income from Hartford, and I cannot pay my bills on that amount. I don't want to have to sell my house but if they cut off my benefits, I may not have a choice. I can't understand how they can do this with no notification whatsoever. I was told everything was good when I spoke to my claim handler about 2 months ago. Then I found out when I called today that there was some review by their Medical Case Management that stopped my benefit. She could not even give me a reason she said what she is seeing on her end is very vague. I have no idea what I should do with that. Very shocked to find out like this and have no idea what the reason is that they are all of sudden denying my disability benefit. Need some help.
The manner in which Hartford has treated you is consistent with the unreasonable and uncaring treatment of disability claimants. We see your exact fact pattern on a daily basis. We encourage you to call us or submit a free consult request on our website so that one of our lawyers can speak with you immediately. We appreciate you reaching out to us and we look forward to assisting you.
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