US Supreme Court to Hear Disability Insurance Case Against Hartford Insurance Company

On October 15, 2013, the United States Supreme Court will hear oral argument in a long term disability insurance case against Hartford Insurance Company (Heimeshoff v. Hartford Life & Accident Insurance Co.). The issue before the court involves a long term disability insurance lawsuit which was dismissed as a result of the claimant filing a lawsuit after the statute of limitations had run. The claimant was a former Walmart employee. The statute of limitations is a set period of time within which a lawsuit must be filed. If the lawsuit is not filed before the deadline, then the lawsuit is forever barred. In the disability case against Hartford the disability policy required a lawsuit to be filed three years from when proof of loss was due.

The problem is that the claimant did not receive a final decision on all of her ERISA appeals within three years from the date of which proof of loss was due. The current law provides that an ERISA lawsuit cannot be filed until all appeals have been completed unless the filing of a lawsuit would be futile. Hartford argues “that ERISA plans are ordinarily enforced according to their terms, and the parties can agree, if they wish, to start the statute of limitations before the administrative process runs its course“.

This argument is unreasonable as it basically means that a disability insurance company can draft a disability policy that directly contradicts Federal Law. The US Supreme Court will issue an opinion on this case in the next few months and its impact can have a potentially dramatic impact on when ERISA disability insurance claim denials must be denied. For a great summary of the US Supreme Court argument to take place today in the case of Heimeshoff v. Hartford Life & Accident Insurance Co., we recommend you review a great blog entry on the Supreme Court of the United States Blog.

Our disability lawyers have helped hundreds of individuals with their claims against Hartford. We are not handling this specific case. Contact any of our lawyers for a free review of your disability insurance claim.

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Questions About Hiring Us

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
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • 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.

Dell & Schaefer Client Reviews   *****

Gary Z. (Ohio)

Steve and Danielle were so wonderful to me and my wife. We were so upset with our situation with Cigna and I called Dell & Schaefer and was transferred to Attorney Stephen Jessup. I can’t explain how he eased my mind. He was so professional and educated on the subject of disability insurance and made me comfortable that he would help me. Any time I had a question I could call or email them and they got right back to me. The friendliness and helpfulness was amazing. Steve Jessup helped me win my case and I can’t thank him and his company enough.

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