Denied Disability by The Hartford?

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.