Hartford Disability Insurance Claims Attorneys

The Hartford Financial Services Group, Inc. is more commonly known simply as The Hartford and is based in Hartford, Connecticut. The Hartford was initially founded in 1810 as the Hartford Fire Insurance Company, but a fire that destroyed New York’s financial district in 1835 led to Hartford president Eliphalet Terry using his wealth to cover damage claims.

In March 2012, Investment News reported that the Hartford would sell its individual life, Woodbury Financial Services, and retirement-plan operations and focus on property and casualty insurance, group benefits and mutual funds. One year later, the Hartford Courant reported that the Hartford completed the sale of its life insurance business to The Prudential Insurance Company of America, retirement plans to Massachusetts Mutual Life Insurance Co. (MassMutual), and individual annuities to Forethought Financial Group Inc. after closing on the sale of on Woodbury Financial to AIG in December 2012.

The Hartford has been on the Fortune 500 list of the largest United States corporations for 24 years and ranked 161st in 2018 with $62.307 million in assets. The Hartford generated $19.827 million in revenue and $1.807 million in profits.

If you or your loved one are trying to file a disability claim with the Hartford, do not hesitate to seek legal representation. Abell and Capitan Law has experience dealing with the Hartford and will know how to help you get the benefits you are entitled to.

Our firm can assist in filing the initial application as well as filing any appeals or lawsuits and negotiating settlements. Call (267) 419-7888 or contact us online to receive a free consultation.

Do I Need A Hartford Disability Insurance Claims Lawyer?

It is not uncommon for the Hartford to attempt to use federal Employee Retirement Income Security Act of 1974 (ERISA) laws to try and deny some claims. As an insurance company, the Hartford stands to make more money when their benefits payouts are low. This incentivizes these companies to deny or underpay claims, for whatever reason they can justify.

You are going to want an attorney in your case because they are going to have a much better understanding of what needs to be included in your initial application. You can increase the chances of your application being approved by having it reviewed by a lawyer.

Another advantage of an attorney is that they will also be able to identify common insurance company mistakes. The lawyer will know when claims have not been administered correctly and can hold the Hartford accountable for these errors.

It is also beneficial to have an attorney to deal with any unusual requests that you might get from the Hartford. You may be presented with specific forms that you do not want to complete if they are being used to argue that you are able to return to work, and you could also be asked to submit to an independent medical examination (IME), which is an exam performed by a doctor picked explicitly by an insurance company that you will want to speak with a lawyer about before attending.

Why Choose Abell and Capitan Law To Handle My Case?

Abell and Capitan Law has offices in Philadelphia, Newtown Square, and Chadds Ford in Pennsylvania as well as a Louisville, Kentucky location. We serve clients nationwide.

Erik Abell handles ERISA governed disability claims in federal courts throughout the country. He received his Bachelor of Arts from the University of Kentucky before earning a Juris Doctor from the Louis D. Brandeis School of Law at the University of Louisville.

Joe Capitan was named a Pennsylvania Rising Star by Super Lawyers each year from 2013 to 2017. He is a member of the Philadelphia Bar Association, Pennsylvania Bar Association, and Pennsylvania Association for Justice.

Abell and Capitan Law also represents clients on a contingency fee basis, so you only pay when you receive a monetary award. Our firm can negotiate a just settlement to your case, but we will not be afraid to file a lawsuit when the Hartford refuses to provide adequate compensation.

Types of Hartford Disability Insurance Claim Cases We Handle

The Hartford states that its short-term disability insurance covers illnesses, injuries, and pregnancy that keeps people out of work beyond their paid sick days. Common examples of illnesses and injuries covered by short-term disability insurance include broken bones, rehab, herniated disks, maternity leave, tendonitis, runner’s knee, stress or anxiety, whiplash, carpal tunnel syndrome, tennis elbow, bunion removal, and surgery recovery.

Short-term disability benefits have various start dates, and some plans may begin coverage on the day of an injury. Benefits may be between 50 and 67 percent of a person’s income loss.

Long-term disability insurance is designed to cover illnesses and injuries that will cause people to miss extended periods of work. Common examples of illnesses and injuries the Hartford lists as covered by long-term disability insurance include rheumatism, sprains and strains, pregnancy complications, heart attacks, pneumonia, stroke, scoliosis, back pain, and coronary artery disease.

Long-term disability insurance for the Hartford can pay up to 67 percent of income loss. The maximum benefit may be $3,000 up to $10,000 per month.

The Hartford application for short-term disability income benefits has four sections, three of which are completed by the employee and one of which the employer’s authorized representative completes that. The application for long-term disability income benefits has five sections, two of which are completed by the employee, two of which are completed by the employer’s authorized representative, and one of which is completed by the physician treating the employee.

The Hartford could take several tactics in the handling of your claim, including sending an investigator out to your home to conduct a very lengthy interview that could last several hours. In other cases, the Hartford may pay to have somebody conduct surveillance on you and videotape you engaging in activities that would be used to argue that you are not disabled.

In some cases, the Hartford will ask you to submit to an IME. You need to know that an IME is often used to get insurance companies to have their doctors find reasons that a person should be able to return to work, which often leads to a denial of benefits.

When you suspect that your claim is taking too long to be processed, you can contact the Hartford to try and get answers. An attorney will usually be able to ask more forceful questions that produce more significant results.

If the Hartford denies your claim, you will usually be notified by mail. The postmark date can often be significant as it relates to your appeal deadline, which should be stated in the notification letter you receive.

Frequently Asked Questions

For short-term disability, the Hartford will contact your employer and doctor for additional information. Your doctor could require an authorization to release information to the Hartford. If you are filing a long-term disability claim, you must make sure that the employee statement & authorization form, employer statement, and attending physician’s statement are all completed. Your doctor may again require an authorization to release information to the Hartford.

You are required to use sick leave until the sick leave bank is exhausted, and your short-term disability or long-term disability benefits are offset by the amount of sick leave that you receive. If you receive 100 percent of your salary through sick leave, you will only receive the minimum benefit. You can also use accrued vacation during the elimination period and continue to take accrued vacation time after short-term disability benefits become payable. Accrued vacation will not offset your short-term disability or long-term disability benefits.

The Hartford defines a Disability or Disabled as meaning a person is prevented from performing one or more of the essential duties of either their occupation during the elimination period, their occupation for the 24 months following the elimination period resulting in current monthly earnings being less than 80 percent of a person’s indexed pre-disability earnings, or, after that, any occupation. Short-term disability benefits are payable for up to 13 weeks, as long as a person qualifies as disabled.
Long-term disability is payable for 24 months as long as a person is disabled from performing the essential duties of their occupation for their employer. A person can continue to receive benefits if they remain disabled beyond 24 months, to continue to meet the definition of disability, and are disabled and are unable to contribute to any occupation in the general economy.

Contact a Hartford Disability Insurance Claims Attorney Today

If you or your loved one are struggling with a Hartford disability insurance claim, you can give yourself a lot of relief by making sure you retain legal counsel. An experienced lawyer will know how to make sure your claim is filed correctly and can help you exercise all appeal options if you are denied benefits.

Abell and Capitan Law understands that every person’s medical condition is different and tailors its strategies to each individual’s unique case. Call (267) 419-7888 or contact us online to take advantage of a free consultation.

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