Hartford Interview Request Is A Trap Used To Support A Disability Denial

Hartford interview request, a trap supporting disability denials

As disability attorneys that have handled hundreds of Hartford disability claim denials nationwide, we are always trying to warn Hartford disability claimants about the claim handling tactics used by Hartford. Hartford handles every disability claim in a similar manner and they can be relentless in their pursuit of a claim denial. Our suggestion is to never allow a Hartford employee to interview you without representation. Additionally, if your definition of disability will change at some point during your claim, then you need to start preparing for this change at least 6 months in advance. The story you are about to read below is a typical situation for a Hartford disability claimant:

“I have currently been receiving disability benefits from the Hartford since July 2010. I was approved for social security benefits in July 2011. Social Security sent a lump sum back payment to me in November which I promptly turned over to the Hartford as a claim adjustment required when social security was approved.

Since that adjustment the Hartford has been paying me about 1900 dollars a month and social security has paid me 1600 dollars a month. The problem is that since this adjustment occurred the Hartford has continually had their agents calling me on the phone telling me I should be working.

I have disabling cardiac issues and am in constant pain with spinal disc degeneration and cannot handle this stress. My husband had to deal with these people and they ran him ragged. They insisted they never received medical records from the doctor or hospital even though both promised they sent them. My husband was forced to go to the doctor’s office and put the office manager on his cell phone and listen to them argue about the records. Finally, the Hartford agent reluctantly allowed my husband to fax the physician statement from his office and then had no choice but to acknowledge receiving them.

But the Hartford was not finished. They sent me a letter stating that July 2012 would be the two year anniversary of them paying my benefits and my eligibility to continue receiving benefits would have to be reevaluated. On Friday February 3rd an agent from the Hartford called and identified himself as a private investigator for the company. He made an appointment and came to our house on friday afternoon February 17th to conduct an interview with me. The agent recorded me while interviewing me asking me an extensive number of questions ranging from my medications to my daily activities. He also had me sign a medical records release form.

After the interview the agent opened his laptop and showed us footage of me being followed by Hartford to a local hospital on November 14th and 15th 2011. I got the impression he thought I was working. In fact the woman was my 88 year old mother and I was with her at the hospital all day to be at my dying father’s bedside. While we were in the hospital the Hartford agent camped out in the hospital parking lot all day waiting for me to exit the hospital and return to my car. While waiting in a wheel chair for me to get the car, a man approached her and asked her for money while staring into the parking lot. My mother was frightened and upset and the man hurried off. We didn’t know it at that time that we were being watched but after seeing the footage we have a strong suspicion that this was a Hartford agent. It seems to be too much of a coincidence. We have been using this hospital for years and no such event has ever happened. This hospital is in a fairly affluent suburban community and such a random encounter at the hospital door while Hartford was performing surveillance seems highly unlikely.

The agent also showed us footage of my husband and I together at a local shopping center shortly before Christmas. The agent was attempting to catch me carrying heavy packages but I was not and never do. The footage showed my husband driving and carrying heavy packages. I carried only cards medicine and a tin of popcorn. The agent then politely left.”

If you are in a similar situation with Hartford or your claim has been denied, contact us for a Free Consultation or call 800-628-8331 to discuss how we may be able to assist you. We are one of the few disability law firms in the country that will represent you for a reasonable fee even if your claim has not been denied. There are numerous actions that a claimant can take in order to improve the strength of their disability insurance claim.

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Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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Noah P.

A few years ago I found myself unable to work and needing treatment. While I was getting the treatment I needed my employer fired me. This left me still needing treatment as well as needing to find a source of income. Not knowing where to turn or what to do my wife an I contacted Dell & Schaefer for help. Upon speaking with attorney Stephen Jessup we felt assured that we had found the help we needed. Attorney Jessup worked with the attorneys from my former employer and explained my situation to them. During the weeks of negotiations attorney Jessup kept us informed as to the progress and ultimately called us with a settlement offer. We were so relieved and grateful!

But that is not where our story ended. After informing us of the offer presented by my former employer, attorney Jessup advised me that he felt he could get us a better settlement with just a bit more time. I discussed it with my wife and we both felt confident in attorney Jessup’s advice so we allowed him to further negotiate on our behalf. Sure enough, a more equitable settlement was reached in a very short time. During the entire process attorney Jessup and the staff at Dell & Schaefer handled everything with very little input needed from us. This allowed me the time and reassurance that I needed in order to heal. Their professionalism and reassuring manner never left me feeling concerned that I wasn’t being fully represented despite the fact that they rarely needed participation directly from me. In the end my confidence in them was rewarded with a better settlement than I was expecting. My wife and I are forever grateful. From my experience it would be very difficult for Dell & Schaefer to improve upon their process.

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