Question

Will Hartford accept my payment arrangment? Will this cancel my LTD benefits?

Asked on December 12th 2014 by Cindy
I have several spine ailments including Degenerative Disk Disease, Spinal Stenosis and Scoliosis. After years of suffering severe back pain, I was forced to stop working and applied for LTD through my employer provided benefits. I have been receiving LTD from the Hartford since November 2013. I also filed for Social Security Disability and I was recently awarded SSDI benefits with retroactive payments totaling roughly $20,000.00. My LTD policy states that I have to pay the Hartford for this “overpayment.” I don’t deny that I owe them this money but I really need this money to pay past due bills and medical expenses as a result of my illness. I would like to make payment arrangements with the Hartford instead of sending them the whole amount immediately. I would prefer they with hold my $1,700.00 per month LTD payment for 12 months to repay the overpayment. In your opinion, would the Hartford accept a payment arrangement such as this? Would 12 months be considered too long? Would this jeopardize my future LTD payments from the Hartford? For instance would they be more inclined to cancel my LTD benefits because of this? Any insight would be much appreciated.

Answer

Answered on December 13th 2014 by Attorney Cesar Gavidia

Cindy, Hartford will typically negotiate repayment plans on overpayments, which can include withholding your monthly benefit to recoup same. With respect to the arrangement affecting your claim – chances are the repayment process will not. With that being said, Hartford policies often contain a two year own occupation definition of disability, as you have been on disability for 13 months this would most likely leave you with 11 months of benefits under this standard before the any occupation definition is applied. Despite being approved for SSDI, your claim will face increased scrutiny and likelihood of denial at that time.

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Hartford

Ran me Around for Months

Reviewed by David on July 5th 2024   Verified Policyholder | January 2024 date of disability
Scammers. Immoral horrible people.
Reply
Sent on July 5th 2024 by Attorney Gregory Dell

David:

It’s horrible that Hartford did that to you.

Hartford

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... read more >
Hartford

Sent my Direct Deposit to a Strangers Bank Acct

Reviewed by Brad on May 2nd 2024   Verified Policyholder | February 2024 date of disability
I went on short term disability and The Hartford put my direct deposit into someone else’s bank account. Somehow they messed up a number or two and they are refusing to ... read more >
Hartford

Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment

Reviewed by Becky H. THOMAS on February 12th 2024   Verified Policyholder | February 2024 date of disability
Dislike how they are constantly interrupting the lives of their disabled EE's whom are entitled to benefit which they paid into out of there pay check every pay period onl... read more >
Reply
Sent on February 12th 2024 by Attorney Gregory Dell

Thank you for your review of Hartford and we appreciate you sharing.  It’s sad they don’t take care of their own employees.

Hartford

Bad Faith

Reviewed by Dustin G on October 12th 2023   Verified Policyholder | November 2020 date of disability
They kept asking my doctor for the same information that they did not need to process my claim. He kept sending in the same information, and they kept asking for it. My do... read more >
Hartford

Denied by Hartford after 20 years of Payments

Reviewed by Mary on October 11th 2023   Verified Policyholder
Hello,I am a Multiple Sclerosis patient. I also have Lymph-edema, Asthma, Blood-clot problems, Bi-Polar 1 Depression, and Head & Neck Injuries. And now, due to MS, Spast... read more >
Hartford

This company is a scam!

Reviewed by Hana K. on July 13th 2023   Verified Policyholder | December 2022 date of disability
The Hartford does not pay claims. The Hartford only collects premiums. The Hartford doesn’t care if you are terminally ill. I’ve been employed at my employer since 201... read more >
Hartford

Hartford Stopped Payments

Reviewed by Fed up in PA on April 13th 2023   Verified Policyholder | January 2023 date of disability
Worst company ever. Their analysts will go against your treating provider every single time. Horrible experience, just horrible.
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