Hartford Disability Help

Question

What % offer (for a lump sum buyout) would you consider low, average, and high?

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

Asked on February 11th 2012 by Roger

I have been receiving monthly LTD payments from The Hartford for almost 2 years. During a recent conversation with one of their Ability Analysts I raised the possibility of receiving a single lump sum payment instead of my current monthly payments. The analyst confirmed that The Hartford does indeed do this, and she said that she would look into it and get back to me. I’m aware that The Hartford will offer me less in a lump sum payment than I am scheduled to receive if I continue to collect my disbursements on a monthly basis, but my question is this: What percentage offer by The Hartford would you consider to be low, average, and high? Some background information: My LTD policy with The Hartford will pay me until I am 65 years old, and at my current monthly disbursement rate I will have collected $2,520,000 by my 65th birthday. So to recap: What % of this $2.52M, if paid out in a lump sum, would you consider (a) Unacceptable, (b) Par-for-the-course, or (c) A reason to celebrate?

Answer

Answered on February 11th 2012 by Attorney Gregory Dell

Roger, Great question. In some situations Hartford will engage in a disability lump sum buyout negotiation. There are numerous factors involved with determining whether a buyout offer is good or not. Some of the factors involve the definition of disability in the policy, the interest rate used to calculate the present value of future disability payments, the mortality factor discount used by Hartford, the reserve set by the insurance company and the tax implications of a lump sum. I discuss each of these factors in more detail in a video located here: (https://www.diattorney.com/services/lump-sum-buyout/) In an undisputed claim, a buyout offer of between 65-75% of the present value is the most that would ever be offered. On a daily basis we negotiate buyouts for disability claimants. If you would like to discuss a potential buyout in more detail, please call us for a free consultation.

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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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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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David:

It’s horrible that Hartford did that to you.

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Truly Horrible and Immoral Company with No Customer Service

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

My experiences with Hartford have been nothing short of cruel. They started off by claiming that having Glioblastoma, which has an expected life span of about fifteen mont...

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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

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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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Question

What % offer (for a lump sum buyout) would you consider low, average, and high?

Answer

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