Hartford
Hartford has brought me so much stress
I have been on std since I believe may 2, 2014. I suffer from PTSD, depression, anxiety, panic attacks, flashbacks and insomnia with night terrors due to the tragic death of my son 5 seconds before i kicked in his door when i heard the gunshot and it went downhill mentally for me from there. I see a psychiatrist and a therapist and take a handful of pills every night along with daytime meds and am unable to return to my job i had for 26 years, l am constantly being cut off from my payments for lost paperwork or they just dont send it until I notice i have no money credited to my account. Now they have hired a company to file for Social Security Disability for me. I’m terrified that if I get denied SSD first time around (like you hear happens ofyen) they will use that as an excuse to deny my payments. They have added so much stress to my life. They assured me a few months ago they don’t discriminate Mental health claims.
Reply
Nette, I can’t imagine that you are still on STD since May 2014. At most, STD policies transition into LTD after 12 months. The policy will require you to apply for SSDI or Hartford will estimate what you would be entitled to and reduce your benefit by that amount. You certainly do not have to use their suggested attorney/advocator group and can choose your own. Denial for SSDI is very common, and that in and of itself would not be sufficient for Hartford to deny your claim under its policy.
