• Legal Tips For Applying For Hartford Disability Insurance Benefits

Is Applying For Hartford Disability Benefits Difficult?

Applying for short or long term disability benefits with the Hartford can be difficult. The definition of disability in your policy, the severity of your medical condition and the type of job you are unable to perform are all factors that must be considered when applying. With proper guidance from our disability insurance lawyers, more than 95% of our Hartford disability insurance claimants are approved for either short or long term disability. Our success rate is high because we have handled thousands of Hartford disability insurance claims and we know what it takes in order to give our clients the best chance to be approved. Please watch our video above in which we discuss important information you should know about the application for disability insurance benefits. Contact any of our lawyers for our opinion about your ability to get your Hartford disability benefits approved and how we may be able to assist you.

When Should I Call A Lawyer To Help With My Hartford Disability Benefit Claim?

The best time to contact a disability insurance lawyer when applying for STD or LTD benefits is before you submit your initial application to Hartford. Don’t worry if you already submitted your application because we will still do whatever we can to achieve a claim approval. The initial application is the foundation of your claim and Hartford is looking for you to tell them every reason you cannot work in your occupation. Regardless of what you tell Hartford, they are looking at your claim from the perspective of how quickly can they get you back to work. The key to a successful Hartford disability benefit claim approval is to have very strong medical support for your restrictions and limitations.

  • How Important Is The Support Of My Doctor In Obtaining Disability Insurance Benefits?

Why is Medical Support Important for a Hartford Disability Claim?

Medical support is far more than your doctor filling out Hartford’s Attending Physician Statement with the statement that you cannot return to work. Hartford’s Attending Physician Statements are specifically designed to obtain limited information from your doctors so that Hartford can claim you lack sufficient medical support to approve the claim. Our disability attorneys draft custom Physician Statements for your claim and we work with you and your doctor(s) to submit strong medical evidence. Most doctors take minimal notes as they don’t expect their chart notes to be analyzed or reviewed by a disability insurance company. Disability insurance companies will commonly deny disability claims on the basis that a claimant’s medical records don’t have sufficient documentation of either a claimant’s complaints or functional limitations. We guide you through each visit with your doctor so that we can make sure your doctor is properly documenting your medical records.

  • Why are the duties of my pre-disability occupation important when seeking LTD benefits?

Does My Job Type Make it Easy To Get Hartford Disability Benefits Approved?

The duties required to perform your job in conjunction with your medical condition will determine how difficult it will be to get your claim approved. In our video below we discuss the importance of making sure the disability insurance understands your occupational job duties.

When you apply for disability benefits Hartford will commonly require your employer to complete an occupational verification form that asks basic questions like your date of hire, number of hours worked prior to disability, job title and sometimes a request for a job description. Hartford asks your employer for minimal occupational information because they want to establish your job requirements based upon a generic job title and not based upon the specific manner in which you performed your job. Twenty people can have the same job title at twenty different companies, yet the responsibilities of each job are different. Additionally, an employer’s job description is rarely accurate in describing an employee’s job duties. When we submit a disability application for our clients we provide detailed occupational information that describes the physical and cognitive requirements of your job. Hartford tries to describe your job duties based upon a generic occupational class such as sedentary, light, medium or heavy duty. This technique is unfair to claimants as no one’s job should be defined based upon the ability to either sit for 6 hours a day with breaks, or frequently lift more than five pounds. There is a cognitive component to every job and the reality of being able to consistently show up for work and function with 100% focus for 8 hours a day / 5 days a week. Through the strategic drafting of your job duties we are able to force Hartford to evaluate how your medical restrictions and limitations prevent you from performing the duties of your occupation.

There are many more factors to consider when applying for Hartford disability benefits, but the factors will vary based upon the type of disabling condition and job you are unable to perform. We have handled just about every type of disabling medical condition and people working in all types of occupations. Contact us for a free review of your disability policy and a preliminary opinion about your ability to collect either short or long term disability benefits from Hartford. We appreciate you considering our law firm to guide you through this difficult time.

Top 5 Causes of Disability Insurance Claims: 1. Neuromuscular Muskuloskeletal or Soft Tissue Disorder
Top 5 Causes of Disability Insurance Claims: 2. Mental Issues (Depression, Anxiety, PTSD, Bipolar)
Top 5 Causes of Disability Insurance Claims: 3. Nervous System Disorders (MS, Parkinson's)
Top 5 Causes of Disability Insurance Claims: 4. Cancer
Top 5 Causes of Disability Insurance Claims: 5. Cardia Diseases

Will Hartford Require me to Apply for Social Security Disability Benefits?

Hartford requires all of their disability claimants to apply for social security disability benefits (SSDI) because the award of SSDI benefit will be a deduction from the monthly amount that Hartford is required to pay each month. In the majority of Hartford disability policy, after 24 months of receiving payments the definition of disability changes from Own occupation to Any Occupation. The Hartford’s Any Occupation definition of disability is usually very close to the social security disability of definition. There are situations where a person may be able to work in another occupation and still be disabled. In this situation, the claimant would not be required to apply for SSDI.

Questions About Hiring Us

Do you handle ERISA Hartford appeals?

If your disability income claim has been denied by Hartford and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Hartford. Our law firm has handled thousands of ERISA appeals against Hartford and we will prepare a very strong appeal on your behalf.

Do you help with Hartford applications?

The application for disability benefits with Hartford is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Hartford. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Hartford. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Hartford.

Do you file Hartford lawsuits?

If Hartford has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Hartford. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Hartford. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Hartford.

Can you help with a Hartford disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Hartford and we know the unreasonable denial tactics used by Hartford to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Hartford.

Do you manage Hartford monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Hartford disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Hartford. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Hartford. Hartford only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Hartford lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Hartford. Our disability lawyers have established relationships with the people at Hartford that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Hartford. Our goal is to get you the highest buyout possible.

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.

Dell & Schaefer Client Reviews   *****

Jeff S. (Kansas)

Due to my vision and health issues testimonials are not typical of me. Dell & Schaefer however did such a sensational, and professional job we felt it absolutely necessary to share the experience.

I had been thinking of pursuing a lump settlement on long term disability with the insurance company for some time. Decided on Dell & Schaefer after much research on several firms across the country. Residing in the Midwest did cause some reservations about choosing a firm around 1500 miles away. However shortly after choosing Dell & Schaefer my concerns where quickly put to rest by how proficient the team is, and how they are always there with you. Never waited for a response and always felt like we knew exactly what was going on every step of the way.

I got the pleasure of working with Mr. Stephen Jessup Esquire, along with Sonia R. Nogueira, and team on my case. After contemplating my situation Steve was contacted to let him know it would be about three months before moving forward. I mention this because no pressure was ever felt to pursue or take a settlement and the firm awaited me to contact them again. No annoying emails, calls, letters, or any type of pressure to hire them. When questions arose the team was right there for me through the entire process and only a phone call or email away. Never had to wait for a response before or after retention. Mr. Jessup at one point during my case was out of country and still offered guidance when needed, almost immediately after emailing. Sonia also went above and beyond and took my call around six P.M. on a Friday to help me with some document questions. Simply an incredible level of service that seems rare anymore. I always felt truly comfortable!

Mr Jessup and everyone with the firm seemed to have a very good rapport with the insurance company. I mention this because within about two weeks of retention we had the first offer. Within less than four weeks we had reached a settlement agreement, and funds where in my account about two hassle free weeks later. This all transpired even with delays of the insurance rep taking vacation twice. Overall my settlement expectations where far exceeded. During the original consultation Mr. Jessup mentioned a monetary figure that was lower than the actual final settlement. There where no false promises or over inflated estimates as sometimes found elsewhere. Just an upfront honest answer of what could be to come. During the process I still received my monthly benefit and never had to deal with the insurance company directly. This in itself took so much stress out of my life. After three years I no longer had to continually jump through hoops when the insurance company requested something or worry that I might undeservedly lose benefits.

The above is just a small part of my experience on how I felt the professional and courteous team was always willing to go the extra mile. If you or someone you might be concerned about are in need of guidance my opinion is a better choice could not be made than contacting the team at Dell & Schaefer about options.

Because of the work done by those at Dell & Schaefer I now have the funds to live while attempting medical procedures that insurance will not cover. Hopefully because of this someday I can return to a career as I’m still almost twenty years from retirement age.

Thank you all at the firm again for returning some normalcy to my life and treating me like a person not a case!

***** 5 stars based on 202 reviews

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