After appeal filed by Attorney Jay Symonds, Hartford overturned its second denial of long term disability benefits for Alabama CEO

Our client, Mr. H, formerly worked as a CEO of an engineering services contractor. In February 2016 a number of medical issues, including Cardioembolic Stroke as well as associated cardiac and cognitive issues, forced Mr. H to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy. Both benefits were funded and administered by Hartford. Mr. H’s occupation as a CEO was intellectually demanding and required high level of executive functioning. Under his employer’s disability policy, he would be considered totally disabled if he was unable to perform the essential duties of his “own occupation.”

After paying Mr. H for the maximum benefit period under the STD policy, Hartford denied LTD benefits. After receiving the denial, Mr. H contacted Dell & Schaefer and discussed his case with Attorney Jay Symonds. Attorney Symonds identified several significant issues in Hartford’s denial letter and in the physician consultant’s medical reviews, and agreed to prepare and submit Mr. H’s ERISA appeal with the assistance of his appeal team. The appeal was successful and Hartford overturned its decision and reinstated benefits. Less than 3 months later Hartford again terminated benefits claiming Mr. H was “able to perform 8 hours/day and 40 hours/week on a sustained basis.” Because Attorney Symonds and his team continued to represent Mr. H following his reinstatement of benefits they were quickly able to prepare and submit a second appeal on his behalf.

The appeal addressed all of Hartford’s short-comings and reasons for denial, with a special focus on the review conducted by Hartford’s 3rd party medical consultant and undocumented and unnecessary interactions initiated by Hartford’s in-house nurse reviewer. In particular, despite having overturned the denial, the nurse reviewer circumvented the claims examiner and contacted the 3rd party medical consultant purported seeking “clarification” on issues that had already been resolved and asking that he apply a policy standard not applicable to Mr. H’s claim. What’s more, the 2nd denial addressed only Mr. H’s sleep apnea and failed to address Mr. H’s significant neurological/cognitive dysfunction, which was the basis for his initial claim.

Approximately 4 weeks later, and after reviewing the 2nd appeal and hundreds of pages of exhibits and medical records, Hartford again overturned its decision to terminate the claim and reinstated Mr. H’s long-term disability benefits. Attorney Symonds continues to represent our client to best ensure that Hartford will not terminate his benefit again. Feel free to call our disability attorneys for a free consultation on this or any matter relevant to your disability claim.

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We represent Hartford clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Hartford disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Hartford. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Hartford.

How do you help Hartford claimants?

Our lawyers help individuals that have either purchased a Hartford long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Hartford:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
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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.

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.

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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   *****

Ken A. DC

First of all, may I say this: if you are a professional and find yourself in the unfortunate position of having to file a claim against your disability carrier – do not try this on your own! HIRE A PROFESSIONAL! This was advice that I was given and I am very great full I was smart enough and followed it. Your next decision is whether to hire a ‘disability claims consultant’ or an attorney which specializes in professional disability claims. I decided upon the later. The reason being an attorney has ‘power’ and ‘authority’ and actually ‘represents you’. He/she has authority (power of attorney) to actually communicate with your insurance company and do ‘Whatever It Takes’.

A disability claims consultant does exactly that… they ‘consult’ with ‘you’ (not the insurance company) and make recommendations… they tell you what to do. Mr. Dell actually told my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim.

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