Hartford is a joke. Their favorite word is "denied'
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Judi, the insurance industry thrives on using information contained in claim forms to deny a claim. That is why it is so important to complete them in a way to avoid their traps. In your situation it appears that your claim was denied based upon the ability to perform your job in the “national economy.” Most policies will indicate that “regular occupation” is defined to mean the job you perform as it is commonly performed in the national economy and not for a specific employer or at a specific location. If your claim forms indicated you could do your job, just not for your specific employer, then Hartford would use that to say that you can perform the duties of your job as defined by the policy. In appealing the decision it would be incredibly important for your doctor to argue and stress that during the time you were out that he/she believes you could not perform your job duties at all, for any employer. Additionally, if you have been the victim of a hostile work environment you could contact an employment attorney to discuss if you have any rights or causes of action against your employer.
