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What Happens If My Hartford Short Term Disability Claim is Denied?
Hartford - Aetna Lawsuit & Denial Tips. What to do after you have been denied disability benefits.
What Should You Expect When Filing A Hartford Disability Lawsuit?
When it comes to suing Hartford you should expect Hartford to stand behind their decision to deny your long term disability benefits. To say Hartford has an “ego” would be an understatement. We have filed ERISA disability lawsuits against Hartford in federal courts across the country. Hartford uses the same claims handling procedure in almost every disability case and they believe that if they have reviewed the denied claim reasonably, then a Federal Judge cannot reverse or remand their decision. Despite the tough stance Hartford will often take after the filing of a lawsuit, our disability attorneys have been successful at recovering long term disability benefits from Hartford. In more than 98% of the disability lawsuits we have filed against Hartford, we have been able to reach a negotiated lump sum settlement on behalf of our clients. In the videos above we discuss some Hartford lawsuits and our law firms experience in handling Hartford lawsuits. Once you contact us, we will review your denial letter, and let you know immediately if we can assist you to recover benefits from Hartford. We do not charge any fees or costs unless we are able to make a recovery for you.
ERISA Disability Lawsuit Challenges
ERISA Disability Benefits Lawsuits - What You Must Know
Why are Hartford Lawsuits Challenging For Disability Claimants?
More than 95% of the Hartford disability insurance policies sold are governed by ERISA. If your disability coverage was provide by your employer, then your policy is likely governed by ERISA. ERISA (Employee Retirement Income Security Act) is an unfair federal law that governs all disability insurance policies that are provided as an employee benefit. The law was designed to protect individual employees, but in reality it does a lot more for insurance companies. In our videos above we discuss the general challenges present in every ERISA disability benefit lawsuit. ERISA policy holders do not start on a level playing field and some examples of why ERISA is unfair are as follows:
- Only a Federal Judge will determine the outcome of your lawsuit and no jury trial is allowed;
- Regardless of the actions taken by Hartford the court cannot award any punitive or bad faith damages;
- The ability to take depositions of Hartford employees is very limited and the Prudential employees and doctors can hide behind what we call the ERISA shield;
- The Judge is usually required to apply a standard of review, known as an arbitrary and capricious review, that defers to insurance company's conclusion regardless of whether the Judge agrees with Hartford's decision to deny benefits;
- The Judge can remand the case back to Hartford without awarding un-paid benefits and give Hartford another chance to review the claim.
Our Resolved Hartford Disability Benefit Cases (29)
Answers To Your Hartford Disability Questions (4)
Recent Hartford Disability Benefit Lawsuits
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