What to do if Hartford Denied Your Long-Term Disability Benefits?

Unfortunately, malpractice in disability insurance providers happens more frequently than one may think. Much like other companies that offer disability insurance, Hartford can reject your LTD claim for several reasons. One explanation is that their procedure is designed for you to fail. It’s no secret that most LTD claims are rejected immediately. Disability applications from Hartford are usually drafted in a way that begs for a rejection.

Although you have the choice of filing an appeal with Hartford on your own, ERISA makes it a difficult and lengthy process for individuals who go it alone by employing tactics to deny your claim web series review.  

Crafty denial strategies:

They commonly employ tactics like overly aggressive such as using surveillance to expose discrepancies between the claimant’s alleged limits and their actions. Additionally, after conducting surveillance, they arrange field visit interviews with claimants to intimidate and frighten insurance owners. Additionally, Hartford frequently relies on paper-only reviewing doctors with a history of working with insurance companies. They also focus too much on assessments that work as medical evidence gathered against a claimant.

Appeal for Hartford LTD Claim:

ERISA is chock full of deceits and traps that tip the odds in the insurance company’s favor. For instance, once your appeal has been lodged, you are not allowed to add any more evidence to it under ERISA. Therefore, the judge will not permit you to provide fresh evidence, witnesses, or testimony if your appeal is turned down and you go ahead and file a lawsuit. It is best to have everything you require filed as part of your appeal.

Consider having an experienced ERISA-trained attorney by your side when you file your appeal because ERISA is so complicated. The criteria for appeals are so strict, and every ERISA disability case is unique. A few documents you might want to submit with your appeal are all of your medical records that support your disability, reports from your doctor attesting to your restrictions and lack of functionality, and letters from loved ones and friends describing the effects of your impairment on your life. 

Final thoughts:

A lawyer will be in a better position to examine your claims file and the denial letter and advise you specifically on what to include to strengthen your case. Your prospects of overturning the judgment or succeeding in court may increase with a legal counsel beside you.