• How Long Does a Hartford Short Term or Long Term Disability Claim Last?How Long Does a Hartford Short Term or Long Term Disability Claim Last?

How Long Does a Hartford Short Term or Long Term Disability Claim Last?

Hartford disability income policy holders expect Hartford to pay their Short Term & Long-Term disability insurance benefits, if continuously disabled, until the policy holder’s social security retirement age. That isn’t always the case. In this video and article learn about:

[00:00:04.99] GREG DELL: Hi. Greg Dell, with Attorneys Dell and Schaefer, and every day, we do a new question of the week that seems to come in from people around the country. And today’s question was, how long is Hartford short-term disability? And see if you can expand upon that, and also maybe talk a little bit about how long is a long term disability claim, so that people understand both of those scenarios.

Hartford’s Policy Language of Short Term & Long Terms Disability

[00:00:25.75] STEPHEN JESSUP: All right. So short-term is just that. It’s short-term disability. It’s going to be based on the policy language. A lot of times, it’s usually, at a minimum, 90 days, sometimes out to 26 weeks or 180 days, six months. Your short-term disability period is also the elimination period for the long term disability. So to get on long term, you have to show that you’re disabled during the elimination period, which is the short-term period. So depending on how your policy’s written, they usually are but up once again each other.

[00:00:56.27] And then most of the Hartford disability policies are written that they will go out to your social security retirement age. There are still some that’ll say out to the age of 65, but you also have to be careful. Hartford does write policies I’ve seen where it’s been a maximum of five years, or it’s only for as long as you’ve been employed by the company.

[00:01:16.45] So there are some weird variations, and that’s really going to be based on what the premium rates your employer wanted to pay for the policy. But as a general rule of thumb, short-term is going to be around 90 days, maybe out to 180. And if you maintain all of the requirements of the policy itself, it could pay you out to your social security retirement age.

Hartford Long-Term Disability Insurance Policy Restrictions

[00:01:36.09] GREG DELL: OK. Along the lines also, as to how long Hartford disability benefits can last, talk about the limitations in a policy which, while the policy may say age 65, it really isn’t.

[00:01:48.33] STEPHEN JESSUP: Yes. So you’re referring to the long term disability policies – certain restrictions, you will almost certainly find in a Hartford policy that if your condition’s caused by a mental health condition, it will be limited 24 months of benefits. That’s the standard. Again, I’ve seen as little as 12, high as 36.

[00:02:06.03] They’re giving substance abuse the same thing. And Hartford is starting to join a lot of the other insurance carriers, where they’re starting to limit certain physical conditions as well. So you may be in a situation, say, if you go out on major depression, where Hartford, at the end of that two years, is saying, well, yeah, there’s no way you can work. But we only have to pay you 24 months under the policy, so we wish you the best.

[00:02:27.48] GREG DELL: And then also, people think that just because they got approved and the policy says age 65, that it’s going to last to 65 or as long as they need it. Is that true?

[00:02:36.18] STEPHEN JESSUP: That’s not true. It is true if you meet all the terms and conditions. That’s the caveat. So in an initial awards letter, it may say your benefits have been approved out to 2035, which is someone’s retirement age. And then they call and they got a denial letter, and like, well, it said they were going to pay me. I’m, like, well, the caveat is if you meet the terms and conditions, which means, do they determine you’re still disabled under the policy? And if they don’t, then you no longer do, and you’re terminated.

Is it difficult to stay on claim once you get approved by Hartford? 

[00:03:01.65] GREG DELL: And is it difficult to stay on claim once you get approved?

[00:03:04.88] STEPHEN JESSUP: With Hartford, yes, it can be very difficult to stay on claim. You know, you have the any occupations switch, usually around 24 months. It’s this idea of performing any other occupation. So it’s a lower standard by which they deny.

[00:03:18.15] It’s not often that we see people’s claims actually make it through the maximum benefit period, whether there’s a shelf life of anywhere from two to five years and then Hartford is going to draw a line in the sand, because this area of the law is very favorable when it gets to court. So I believe that you start to see a higher incidence of claim denials, which is, in some ways, like a strong arm buyout tactic, where they try to buy you out on the cheap.

[00:03:45.42] GREG DELL: If you have a situation with Hartford or have any questions that you’d like us to answer, feel free to give Stephen or any of our disability attorneys a call. We represent claimants all over the country. We’re always going to provide you with an immediate free phone consultation. Whether you give us a call or email us a question, we also encourage you to subscribe to our video, which you can do below. And we appreciate you considering our law firm.

Our disability insurance lawyers are available nationwide to provide you with an immediate FREE consultation to discuss your Hartford disability insurance claim.

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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.

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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.

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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.

Reviews   *****

Dennis W. (Florida)

If it weren’t for Attorney Rachel Alters, I would have probably been living on the streets, living in a cardboard box, or maybe not even be here today. I was denied numerous times by my own Short Term and Long Term Insurance Company that I had paid years of premiums to. I figured that since it was my Insurance Company that I wouldn’t have any problems with submitting a claim and getting it approved. Was I wrong… Then the claims adjusters started playing head games with me each time I contact them or mailed them any additional information. Nothing seemed to matter. Eventually I would always get a rejection/denial letter in the mail. I was so irritated and frustrated as I also had to deal with my illness and go without any income for almost 2 years.

I even researched and contacted numerous local lawyers. They would either state that they wouldn’t take the case, take the case and either do nothing with the file or at a later date contact me to inform that they didn’t practice in that particular area. This included all the Attorneys and Firms that you see advertising on the television, including the Large Law Firms. Theses firms actually didn’t have the expertise nor the experience in the area of Traumatic Brain Injury, as it was a fairly new unknown area. This was prior to the publicizing of Traumatic Brain Injuries regarding NFL Football Players committing suicide (retired or ex-football players) as well as Professional Boxers. Now all of the sudden those same Attorneys and Large Law Firms are advertising for cases with Traumatic Brain Injuries and Insurance Disability Claims like they dealt with them in the past, which is definitely not the case.

I was stuck between a rock and a hard place. So I went researching on the internet and found Dell & Schaefer and watched their videos and so on. I contacted their company and was given an appointment with Attorney, Rachel Alters. She went to bat for me. Fought the Giant (Insurance Company) and won, whereas all these other Attorneys and Large Firms wouldn’t even touch my case. Attorney, Rachel Alters was even willing the take the case to court. She went to battle against a Large Insurance Company and won without going to court!

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