Hartford Disability Denial Attorney

No Fee Unless We Win. Period.

Fields Law is on your side. We can help you appeal a Hartford Long Term Disability denial and take the fight directly to them.

The Hartford is one of the largest investment and insurance companies in the United States. With over 200 years in service and billions of dollars in revenue each year, the last thing their clients expect to receive is a denial of their disability benefits when they need them the most.

When you pay your premiums for disability insurance each month, you have a right to expect those benefits to be paid when you experience illness or injury that leaves you unable to work. But whether your disability benefits have been outright denied, or prematurely cut off, you need an experienced legal partner to help you fight for your rights.

That’s where Fields Law can step in and help you get the benefits you deserve. Like many insurance providers, The Hartford has earned a reputation for routinely denying or terminating valid disability claims.

While receiving a denial or termination letter may leave you feeling lost in despair, the good news is that a denial or termination of benefits is not the final word.

With the help of a legal partner who has successfully taken the fight to The Hartford and won, you too can fight back and emerge victorious.

Fields Law is a nationwide injury and disability Law Firm. Each year we help clients who have been unfairly denied disability benefits by The Hartford reclaim the benefits they deserve. Our team of experienced disability attorneys is ready to fight for your rights and ensure you receive the benefits you paid for.

You pay your premiums for coverage – it’s time to receive the payments you rely on. Let Fields Law fight to reverse your wrongful denial and get you the help you need.

Understanding Why The Hartford Denies Disability Claims

Receiving a denial letter from The Hartford can feel like a hit below the belt. After all, you’ve paid your premiums for years. But when the moment has come for you to collect on the benefits you need to support you in your most difficult hour, the support from The Hartford is nowhere to be found.

But why does The Hartford deny valid disability claims? For most insurance providers like The Hartford, their focus is less on satisfying their clients and more on limiting payout – resulting in higher profit margins, and happy investors.

Unfortunately, it’s their clients that are left in the lurch, while The Hartford searches for any reason to deny a claim.

Some common reasons you may have received a disability denial from The Hartford include:

Insufficient Medical Evidence: Hartford has been known to claim that there was not enough evidence to prove a disability, even when your personal doctors support your claim.
Policy Exclusions: A common tactic is Hartford’s use of restrictive policy language, such as claiming that you can perform “any occupation”, even when it is not your primary career. They may also argue that your condition doesn’t meet their definition of disability.
Missed Deadlines: Many insurers require you to meet strict deadlines and requirements when filing your claim. If your claim has even a small mistake, Hartford may use it as grounds to deny your claim.
Social Media Monitoring: Hartford has been known to track your online and social media activities to monitor the severity of your disability. Posting photos or content that show you performing activities that should be limited by disability can be grounds for denial.
Termination After Approval: Hartford may initially approve your benefits, only to sever them months or years later, claiming that your condition has improved and that they no longer consider you to be disabled.

But The Hartford’s Long Term Disability denials aren’t the only tool they use to pad their profits.
Insurance providers like The Hartford often try to delay or draw out the claim process in hopes that they can coerce policyholders to settle for less, or even abandon their claims altogether.

The bottom line: the less they pay out, the greater their profits, and they will look for every opportunity to avoid making a payout.

Despite these underhanded tactics, a Hartford Long Term Disability denial doesn’t mean the end of your case. With help from Fields Law, you can mount a Hartford disability appeal. Together, we can gather the evidence to prove your case and fight back against their underhanded tactics.

Why You Need a Hartford Disability Lawyer Like Fields Law By Your Side

Trying to appeal a Hartford disability denial alone is possible, but it presents significant challenges.

The Hartford has entire teams of lawyers and claims specialists all working against your efforts. To overcome them, you need the support of an experienced legal partner who has gone up against the insurance company and come back a winner.

As one of the nation’s largest disability law firms, Fields Law has successfully recovered millions of dollars for our disabled clients across the United States. We have extensive experience combatting insurers who have wrongfully denied disability claims, including The Hartford. Our Hartford Long Term Disability denial attorneys will work tirelessly to strengthen your claim with evidence and help you overturn your denial, reinstate benefits, and recover the missing payments you are owed.

With Fields Law’s experienced Hartford disability attorneys, you gain:

A skilled legal partner who knows The Hartford’s tactics and how to counter them.
Coordination with your doctors to gather the most crucial medical and vocational information to prove your disability.
Professional assistance in understanding and meeting the complex insurance and Employee Retirement Income Security Act (ERISA) requirements and deadlines.
A comprehensive record of your appeal process, a critical foundation if litigation becomes necessary.
Skilled Representation in negotiations or in court if your appeal is denied.
Peace of mind knowing that experienced Hartford disability insurance lawyers who understand their tactics are on your side.

Overturning a Hartford Long Term Disability denial is possible, but your best shot at success requires help from the right legal partner.

Fields Law has the knowledge, skill, and experience to help you mount a successful Hartford disability appeal.

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How Fields Law Can Help With the Hartford Disability Appeal Process

If you’ve received a Hartford disability denial letter, be aware that the clock is already ticking. Hartford disability insurance appeals are a time-sensitive process, and missing a deadline could stonewall your case – or even risk closing it permanently.

With Fields Law handling your Hartford Long Term Disability appeal, you can expect:

Comprehensive Review of Your Denial Letter

Your denial letter will state the reasons for The Hartford’s decision. We will carefully analyze Hartford’s reasoning, and identify the gaps or errors made that caused your claim to fall short. This is the key to forming a successful appeal.

Image of two people (from neck down) reviewing a contract.

Gathering of Medical and Vocational Evidence

Our Hartford disability insurance appeal attorneys will work with your doctors as well as outside experts to create a record that fully documents your disability and the effect your condition has on your ability to work.

A man in a suit talking with a woman with a paper in his hand.

Correcting the Record

A Hartford Long Term Disability denial relies on incomplete or selective medical reviews. We will ensure your appeal gathers sufficient expert opinions and vocational evidence to correct the record, before your appeal is submitted.

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File the Administrative Appeal

Our team will prepare a detailed legal brief, backed by medical evidence, vocational reports, and other data to demonstrate irrefutably why you qualify for benefits.

A gavel with three blocks in front of it spelling WIN.

Pursue Litigation if Necessary

If your Hartford disability appeal is denied, Fields Law is prepared to file a lawsuit and continue to fight for your benefits.

Taking on an insurance giant like The Hartford is no easy task. They will attempt to stifle and discourage you at every turn, but victory is attainable. With Fields Law in your corner, we’ll do everything in our power to get your denial overturned and get you the support your policy promised.

Real Clients, Real Results: Fields Law’s Track Record of Success as Hartford Disability Insurance Attorneys

Large insurance companies like The Hartford may have an inherent advantage, but they’re not unbeatable. Fields Law has earned a reputation as a disability law firm with the experience and skill to stand up to even the biggest insurers. Our Hartford disability insurance appeal attorneys have successfully recovered millions in lost benefits for our clients.

We’ve helped clients:

Reverse wrongful denials and obtain the benefits they deserve.
Obtain lump-sum settlements after years of delays.
Restore benefits that have been cut off prematurely.

As your Hartford disability insurance attorney, Fields Law is dedicated to your success. Below are just a few examples of successful appeals we’ve won of a Hartford disability denial:

Overturn of Denial

Wanda, Purchasing Agent, Rhome, Texas

Disability: Chronic Back Pain, Ischemic Heart Disease

Problem: A purchasing agent for a Texas steel company, Wanda, suffered from debilitating back pain caused by sacroiliitis and degenerative disc disease. She also suffered from ischemic heart disease, ultimately preventing her from performing her job duties. Wanda applied for Long Term Disability benefits and was paid benefits for two years. However, The Hartford later denied the claim under the reasoning that Wanda could perform other job duties and was no longer considered disabled.

Success – Decision Reversed, Benefits Reinstated: When Wanda approached Fields Law seeking help, our Hartford disability insurance lawyers began by reviewing her records and getting updates to these. We sent her for testing, which conclusively proved that she did not have the capacity to perform any type of work due to her disability. Her treating doctor also provided a report outlining her condition and its limitations on her ability to work. Upon appeal, The Hartford reversed their decision, and reinstated Wanda’s monthly benefit payments, giving Wanda the peace of mind that she could count on the benefits to support herself.

Successful Appeal of Denial

Michael, Director of Engineering, Virginia Beach, Virginia

Disability: Lupus, Depression, Anxiety

Problem: Michael served as the director of engineering at a major hospital in Virginia, routinely working over 60 hours per week. After being diagnosed with Lupus, Michael’s treating physician recommended that he work no more than 40 hours per week. He decided to take time off to recuperate, and applied for Long Term Disability benefits. However, The Hartford denied his claim, stating he should be able to perform his job duties in 40 hours per week.

Success – Decision Overturned, and Benefits Paid: Feeling distressed, Michael hired Fields Law for his appeal. We worked with a vocational consultant to confirm that Michael could not perform the complex duties of his job in a 40-hour work week. After reviewing updated medical records and the report for the vocational consultant, The Hartford overturned their decision and paid our client the benefits he deserved. Michael was so pleased with Fields Law’s performance that he has retained our services to represent him on an ongoing basis.

Restoration of Benefits and Lump-sum Payment

Paul, Site Supervisor, Green Bay, Wisconsin

Disability: Severe Back Pain, Neuropathy, Radiculopathy

Problem: An energy site supervisor from Green Bay, Paul, began suffering from radiating back pain and neuropathy in his extremities. After his condition made his work impossible, he applied for and received Long Term Disability through his employer’s insurance plan. After two years, The Hartford stopped paying his insurance, claiming Paul could return to work in a different job capacity.

Success – Benefits Restored + Lump Sum Payment: Paul contacted Fields Law for help. Our team found that the insurance company overlooked key medical records. We obtained updated expert opinions from Paul’s doctors as well as vocational experts and drafted a strong appeal to the insurer. The Hartford changed their mind based on the strength of our appeal, and the client received a lump-sum payment for back pay, as well as ongoing monthly benefits. Paul was extremely pleased with Fields Law’s performance, and was relieved to have won his appeal.

4035

cases won nationwide

1364

lawsuits filed

$24798357

in benefits recovered last year alone

See the full list of our case wins and lawsuit results here

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Have You Received a Hartford Disability Denial? Contact Fields Law Today

If The Hartford has denied or terminated your Long Term Disability benefits, you don’t have to face them alone. You deserve a team who is ready to fight for your rights.

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Successfully representing clients in all 50 states has given us a depth of local experience and a national reputation of winning for our clients

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