• 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:

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

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.

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.

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

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.

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.

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.

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?

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? 

GREG DELL: And is it difficult to stay on claim once you get approved?

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.

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.

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.

Comments (7)

  • My company has me covered for about $30,000 is that per year or max payout? And this is for ltd.

    Nanette Dec 19, 2022  #7

  • Lisa, if you are receiving pay through your company for the same time period you are receiving std benefits from Hartford you may owed and overpayment back to Hartford. If you intend to roll into long term disability you need to notify Hartford that your physicians are keeping you out of work and that you’d like your file sent to the Ltd department. As far as time to give notice to your employer it would be best to discuss that with HR.

    Rachel Alters Jun 30, 2022  #6

  • I have STD thru the Hartford. I have 6 months leave thru my company and it will be up on 8/17. I have no intention of going back to my job due to my vertigo issues from a major fall. Will I owe my employer the benefits back? I have been employed for 3.5 years with this employer. What is best day to resign? 1st day back on 8/15? Or can I resign earlier without legal issues?

    Lisa Jun 30, 2022  #5

  • Hello, i am a RR employee that collected Hartford std benefits and have now be awarded Permanent RR medical retirement, and my annuity will be back dated. I will be receiving a back payment based on effective date. I was told by my claim rep. that i will be required to pay back Hartford the money i received from them during this time off, is this true? And if repayment is required what is the point of the insurance policy? Just want a straight answer so I know before i get surprised later. Also, this policy and/or premiums were paid for by either my union ( IAM) or my employer (UPRR) .Thanks in advance!

    Donald Jun 13, 2022  #4

  • Hello,7-19-21 I had sinus surg.,2 wk.before it I was having severe vertigo probs at wk running cnc mach.center.I went on intermittent fmla (1 8hr day and 3 partial days missed) had surg.and returned after 2wk.cont.short term dis recovery time on 8-2-21. ON 8-12-21 I went to HR for constant vertigo issues.My Dr.and HR took me off work for safety fears(cool of them) went on cont.FMLA and filed STD claim w/Hartford.9-11-21 had VNG test and diagnosed w/BPPV bal./vertigo issues,did 1 mo. of PHYS.THER.(EPLEY MANEUVER) w/no improvement. On 10-18-21 (9 wks.after claim filed) Hartford approval pd.me $6300 std ben.and closed claim on 10-24-21.I filed 2wk.extension and was referred to inner ear specialist in KC (I’m in StJoseph,Mo.).appt.11-18-21 comin-up.MY extension is still under review as my 12wk. FMLA exausted out.I’m hoping they continue claim approval if not what do I do please??? THANKS,JEFF

    JEFFREY L ALLEN Nov 10, 2021  #3

  • LM: Generally speaking, Hartford would assume all rights and responsibilities available to Aetna on Aetna claims. Consequently, any existing Aetna overpayments could be pursued by Hartford.

    Jay Symonds Jul 24, 2020  #2

  • Is the policy that was acquired by Hartford from Aetna still the same policy?
    Does Hartford have a right to recover over payments made by Aetna? Or only for over payments made by Hartford?

    LM Jul 24, 2020  #1

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