Hartford scrutinizes long term disability benefit claim after 13 years of continuous disability payments

There seems to be a trend recently in which the Hartford disability insurance company is closely scrutinizing long term disability claims regardless of how long a claimant has been on claim. In the past 7 days I have been contacted by two separate claimants that have been on claim with Hartford for over 20 years and are having issues with Hartford. We usually see problems develop with long term disability claims when a new claims adjuster is assigned to a disability benefit claim. In my opinion, Hartford is one of the most difficult and unreasonable long-term disability insurance companies to deal with. I based my opinions on long-term disability claims my firm has handled and the numerous lawsuits around the country that discuss the conduct of Hartford.

A woman recently contacted me and she asked that I share her experience with Hartford so that other disability claimants can be aware of Hartford’s claim handling tactics. This woman stated the following:

The Hartford sent us a letter demanding that we sign a bunch of papers allowing them access to ALL doctors previously seen, All bank accounts, several questionnaires or they would cut off all benefits (which they did). I spoke to a paralegal at a local law firm that told me to sign all papers unless I had something to hide. We reluctantly signed the papers (I didn’t feel that they needed our bank account info amongst other info not pertaining to this claim). My wife has been on disability with Hartford for 13 years and she has seen many doctors. Her primary doctor has recently filled out a letter stating that there was no time table for her return to work ( she just had an epidural in her spine last week). The Hartford has just sent us a letter stating that they have basically annoyed several other doctors that my wife has seen recently (she has renal issues also) trying to get them to give information but they are blackmailing us as they did at the beginning by saying you MUST tell your doctors to send them the information within 21 days or we will shut off your benefits. They have continually tried every angle to cut off my wife’s benefits with these harassment techniques. We didn’t want to sign any of these papers but we did. We think we should tell them that we are revoking their right to contact everyone. (My wife also gets social security because of this injury and we fear The Hartford will destroy that also leaving us in ruins). Now the doctors that my wife sees are being tormented which will have an effect on the care my wife receives AND now they are resorting to another type of blackmail as they expect us to do their work contacting these doctors to force them to give in to their demands or they will cut us off. I don’t believe we signed up for that duty. I originally thought that they were going to negotiate a payoff settlement but instead it appears that they are trying the bullying tactic so they can stop paying.

This woman’s experience and frustration with Hartford is consistent with the hundreds of Hartford disability claim emails we receive each year. In this scenario, a claimant should never revoke Hartford’s ability to contact a treating doctor, however Hartford does not have a right to receive whatever information they feel like asking for. If you have questions for a Hartford disability attorney regarding a long-term disability claim, contact us for a free consultation.

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There are 9 comments

  • Raul,

    Please contact our office to discuss your claim in detail.

    Stephen JessupJul 28, 2015  #9

  • Please I need legal advice to handle The Hartford. I’ve been trying for almost 1 year to receive my LTD benefits and it’s something after another and they keep making it harder to proceed.

    Raul EsquedaJul 27, 2015  #8

  • Cyndi,

    I see no reason why a disability insurance benefit from a disability carrier would be affected due to you getting married and your husband having income.

    Stephen JessupMar 3, 2015  #7

  • I have been on permanent LTD for 9 years (severe non-ischemic heart failure EF<20). I have been asked to wed. Will my new husbands income effect my benefit? He receives no disability income of any source. Nor will he. He is gainfully employed. Will I be adversely effected by marrying?

    CyndiMar 2, 2015  #6

  • Debra,

    Is your husband’s award of social security benefits based on your claim for disability with the SSA? If not, then Hartford should have no right to seek any overpayment. Hartford would only be entitled if your husband was receiving dependent SSDI stemming from your disability.

    Stephen JessupDec 22, 2014  #5

  • I’m curious about a letter I received from Hartford about my husband’s SSI he just filed for and is getting about 927 a month. We have been separated for the past 7 months and he is in Portland and I live in Texas. I have had no problem with them that was so bad, but now I’m afraid they are goig to drop me. What can they do about dropping me? I really need some advise because this would ruin me, I would end up homeless I’m afraid. As you know with Hartford I have a very short time to get back with them. Thank you in advance.

    Debra FlockDec 21, 2014  #4

  • Well you ain’t seen nothing, MetLife calls my wife on the phone for updates only to call her names,
    like faker, lier, and you better get a job because you are not going to get benefits for long. Then they call her doctors telling them she is a faker and sending them non stop questioners.

    When she said she had enough of their crap they sent her first to a 8 hour test that when they read
    her restrictions (MetLife said she had none to them) they sent her home. Then right after they sent her to an independent medical exam.

    She sent the CEO of MetLife a letter stating she is being harassed and bullied, he responded by saying that’s their policy. After the letter they then did video surveillance.

    This was on year 6 of disability, they never canceled her payments ever. They went away for 5 years now they’re back calling again.

    If u have MetLife get rid of your phone so they can not call you.

    DanNov 20, 2013  #3

  • Tom, if your claim is governed by ERISA, which it probably is, then you must file an APPEAL with Hartford before you can file a lawsuit. For more information about ERISA Appeals you should check out this page.

    Gregory DellNov 23, 2010  #2

  • I have paid the LTD insurance for 10 years at work and now am disabled with a bad knee. The Hartford refuses to pay the LTD. They say the injury is phony. Should I sue the Hartford or my employer?

    Tom DNov 22, 2010  #1