Hartford Disability Insurance Claim Denials

Has your Hartford Disability Benefits Claim been delayed, denied, or terminated?

Call us today for a free case review at 877-583-2524.

The lawyers at Frankel & Newfield have successfully represented many Hartford disability insurance policyholders in their fight to get or continue receiving their disability benefits. We work with clients on Hartford short term disability claims and long term disability insurance claims. If your Hartford disability benefit claim has been denied, or if your claim has been terminated, call Frankel & Newfield. This is one battle you don’t want to take on your own, and with Frankel & Newfield, you don’t have to.

Hartford Insurance is one of the leading insurance companies in the group long term disability insurance field. In 2003, the Hartford purchased CNS's group life and disability and medical and accident business, expanding its group benefits division even further. The company is publicly owned and trades on the New York Stock Exchange and its earnings are measured in the millions and billions.

How can an individual who is battling a disability also fight against a company of this size? It’s nearly impossible to represent yourself in appealing a denial; even an application for disability claims is spring-loaded with information that can –and will—be used against you during the claims process.

Hartford Disability Insurance Uses Aggressive Denial Tactics

When we are fighting against a disability claim denial from Hartford, particularly when the claim concerns an ERISA policy, we are accustomed to seeing these tactics:

  • Overly aggressive utilization of surveillance in an attempt to show inconsistencies with the claimant's reported limitations;
  • Scheduling of field visit interviews with claimants after surveillance has been conducted to present their "gotcha" moments to scare and intimidate policy owners
  • A repeated reliance upon paper only reviewing physicians who have long-standing relationships with Hartford;
  • The performance of vocational assessments which rely wholly upon the medical evidence developed against a claimant.

We are not alone in seeing these patterns of deliberately intimidating tactics. Numerous courts have noted Hartford's close relationships with a myriad of third-party entities which pander toward the insurance companies to the detriment of insureds, as well as the flawed vocational assessments.

Court Determines that Chronic Fatigue Patient was Still Disabled

A victory for Chronic Fatigue (CF) sufferers came when a Federal judge held that Hartford's claim determination must be overturned, finding that a claimant remained disabled from her ability to perform the duties of any occupation. The Court rejected Hartford's transferable skills analysis and labor market survey, rejected the opinions of its paid medical. The Court found that Hartford failed to credit reliable reports from the claimant's doctor, and improperly ignored the findings of disability from Social Security. Interest and attorneys' fees were also awarded.

Frankel & Newfield Helps by Preparing Hartford Disability Claims Before They Are Filed

The application that you fill out online to submit a disability claim to Hartford seems like any other insurance form–long, a little annoying in parts, but not so bad. But look at it through the eyes of a claims agent whose focus is to look for claims that can be denied, and you’ll see it in a new light. What information are you providing that could be taken out of context and used to show that you are not really disabled?

We help Hartford short and long term disability benefit claimants by helping them at every stage of the claim, including:

  • Pre-claim strategizing to help ensure seamless transition to claim;
  • Claim preparation and claim management;
  • Defending claimants from aggressive claim tactics (including requests for Functional Capacity Evaluation, Independent Medical Exam, Field Visit)
  • Appealing ERISA denied or terminated claims;
  • Litigating claims following Exhaustion of Administrative Remedies

Many Hartford disability insurance policy owners have contacted us regarding challenges to their benefits. We represent claimants who were being paid and then were suddenly terminated, as well as those whose disability claims were denied and delayed from the start. Our long term disability insurance lawyers know that the Hartford answers to its shareholders first - and to claimants never.

More Examples of Hartford Disability Benefits Being Denied

A nurse anesthetist lost use of function in his right hand due to surgery, and was paid benefits by Hartford for nearly three years. He was terminated based on surveillance video. We fought back with an aggressive appeal and proved that his claim was rooted in the loss of fine motor skills needed to perform intricate medical procedures.

An insurance agent with a host of cardiac, orthopedic and gastrointestinal issues found his benefits abruptly terminated following a review of his medical records by a clerk who reviewed records from only two of his eight physicians. Our appeal was thorough and pointed to the failure of the clerk to conduct a complete medical review. Benefits were reinstated and he continues to be paid on the claim.

Hartford Denies Benefits after Surveillance Video Surfaces

Several news segments on ABC's Good Morning America focused attention on Hartford insurance's treatment of disabled individuals. Reporter Chris Cuomo has taken Hartford to task for wrongfully terminating claims by Jack "Rocky" Whitten. That segment led to dozens of people contacting Good Morning America to share their stories of having their own disability benefits terminated.

Choose Frankel & Newfield to Represent Your Hartford Disability Benefits Claim

Frankel & Newfield has many years of experience with Hartford long term disability claims and works with many Hartford group disability policyholders who have had their claims denied, delayed and terminated.

If you need help with a Hartford disability claim, call our office toll-free at (877-583-2524).

Jason A. Newfield

Written By:

Jason A. Newfield

Disability Insurance Attorney