Hartford

Over a year passed with zero notification from Hartford

Reviewed by Michael J on June 4th 2019   Verified Policyholder
My Problem with The Hartford LTD Group Policy benefits I had been receiving has to do with a major clerical error and a major oversight Hartford did and their failure in notifying me sooner (Approximately ONE YEAR AND EIGHT MONTHS HAD PASSED AND I HAD NOT RECEIVED NO NOTIFICATION NOR CALL FROM THE HARTFORD INDICATING THAT MY PENSION BENEFIT WOULD BE AN OVER-PAYMENT AND AN OFFSET! When I had notified them and (unaware) what I had completed and had stated regarding an additional Pension benefit that kicked in in 2015. I had no knowledge that my Pension Benefit would be considered an offset amount, still I honorably listed this new benefit in their Annual Update Claimant Questionnaire Forms they periodically send to me for an update on my condition. Seven months later I received a confirmation letter that my LTD benefits would continue and NO mention of an over-payment was stated in this letter regarding an off-set on my new Pension benefit I had listed in the form. The next year, I again listed this benefit amount on the annual Hartford Claimant Questionnaire and Physician forms they sent and I completed and returned the forms via Certified letter – this time I receive a letter stating that my pension benefit is an offset and I need to repay Hartford? Approximately ONE YEAR AND EIGHT MONTHS HAD PASSED AND I HAD NOT RECEIVED NO NOTIFICATION NOR CALL FROM THE HARTFORD INDICATING THAT MY PENSION BENEFIT WOULD BE AN OVER-PAYMENT AND AN OFFSET! Their error and oversight and a mixed message I had received the prior year with a confirmation letter that my LTD benefits would continue had no mention of an over-payment stated in the prior letter regarding an off-set on my new Pension benefit. I have to suffer financially and have my monthly benefits held until the over-payment is recouped because of Hartford’s error (not mine) and I have to suffer financially? Very unfair. I sent a letter requesting partial waiver of the over-payment and a recalculation reduction from the original total amount The Hartford LTD Group Benefits Department had determined to be an over-payment due to a vested portion of a monthly Pension benefit I started to receive in 2015 and so far, received NO response about it from my Benefits Claim adjuster at The Hartford. I left a voice mail message to my Claim Rep at The Hartford – and so far no response.
Reply
Sent on June 4th 2019 by Attorney Jay Symonds

Michael, this is certainly unfair and Hartford should be willing to work out a repayment schedule the would ease your financial burden. I suggest you request and send in your employer provided group policy and contact our office and speak with one of the attorneys to address your situation.