Hartford

The lawyers at Frankel & Newfield have successfully represented many Hartford disability insurance policyholders in their fight to obtain or hold onto their disability benefits. We work with clients on Hartford short term disability claims, as well as long term disability insurance claims. If your Hartford disability claim has been denied, or if your claim has been terminated, call Frankel & Newfield at 877-LTD-CLAIM (877-583-2524) to find out how we can help you.

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.

Here are the ways in which we help our clients with Hartford claims:

  • 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.

Hartford 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.

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, whose disability claims were denied and delayed. Our long term disability insurance lawyers know that the Hartford answers to its shareholders first - and to claimants never.

Our attorneys work with clients on Hartford short term disability claims, as well as long term disability insurance claims.

Some further insights into Hartford Disability Claims

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.

Several news segments on ABC's Good Morning America have drawn attention to 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.

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 1-877-LTD-CLAIM (877-583-2524.