Hartford relies on video surveillance of the insured to deny disability benefits

A federal appellate court ruled that it was reasonable for The Hartford, to rely on videotape of the client Hartford had made after she filed a claim for long-term disability.

The claimant originally worked as a Technical Writer but filed a long-term disability claim, citing Epstein-Barr virus as the cause of her disability, which was approved. Later in the claim, The Hartford took surveillance over a two-day period and interviewed the Writer with respect to the observed activities in light of her disability benefits based on Epstein-Barr virus. The Hartford then terminated benefits.

The court held that the reliance on the disability video surveillance and an independent medical review conducted by The Hartford was reasonable, and upheld the denial of benefits for disability caused by Epstein-Barr virus, saying that the decision was reasonable and based on substantial evidence.

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Do you help Hartford claimants nationwide?

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
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  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

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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Julia R.

Being very ill is extremely difficult for anyone to deal with. But trying to focus on health issues while navigating all of the complexities of STD and LTD really makes a bad situation worse and more stressful. I spoke with many lawyers before I was connected with Dell & Schaefer and they were the first and only ones to take the time to truly listen to my history and make the sincere effort to understand my situation. After that, they – specifically Rachel Alters and her brilliant team of professionals – did everything they could to support and champion my case – from dealing with insurance companies to speaking with my doctors.

Rachel and her colleagues helped me when I most needed help and continue to check in on me which is wonderful. As their client, you are not just a numbered file – you really are treated as a person who matters and their care, concern and consistent follow-up has made this challenging period in my life much, much easier.

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