Hartford

Hartford told me TODAY my benefits are stopped effective TODAY

Reviewed by James on April 11th 2017   Verified Policyholder
I was in the medical field as a respiratory therapist for 27 years and always carried a Long term disability policy. In October of 2014 I was diagnosed with Lung cancer and had a large portion of my lung removed and subsequent chemotherapy which has left me with residual neuropathy, muscle weakness and chronic fatigue. I have been receiving my benefits for the last two years while jumping their hoops of medical exams and tests and procedures to validate that I cannot work. Today I was informed my benefits are stopped effective today. They had informed me in January that pending my last assessment by my physiologist, my benefits may change, not discontinued. Also it was determined that I can do sedentary work. So they no longer have to pay my benefits. One of the multitude side effects of chemotherapy is commonly referred to as brain fog. I know it sounds funny but it is a real problem. I have continued difficulties learning new information and concepts. I experience difficulties in memory and focus. This all has caused a sense of depression and hopelessness. I am functional but limited. This all is directly related to the cancer and I am seeking treatment however this all has come at huge costs. It’s been a struggle physically and financially for the last two years. And now without their benefits I see only one path. They claim I can appeal their decision, however it will take a minimum of 45 days. And I don’t see a decision going my way.
Reply
Sent on April 11th 2017 by Attorney Stephen Jessup

James, it sounds like Hartford denied your claim based on the 24 month definition of disability switching from the inability to perform your own occupation to the inability to perform any occupation. Hartford only provides for one level of appeal so it is imperative that your appeal be as complete as possible. Please feel free to contact our office to discuss how we may be able to assist you in appealing your denial.