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Jerry of Judsonia AR (05/07/08)
i have been on dis. for over 10 years .now harford put me out of my benfet .i have 6 mo to apeal .but i am wore out .it have been 5 mo. with out check .my doctor said i am disbilty .i will never get better .at time i just want to die to get out of pain .hartfort will be glad if i did thay have made it hard for the last 10 years
thay were supto to help me till age 65 thay even offter me i think over 40,000.00 but i need the checks over the years and i decline the 40. so thay say i could work and cut me off .if i cant work ,i cant belive tay can take me checks Beth of Orlando, FL March 23, 2008
Beth of Orlando FL (03/23/08)
I have been on LTD through The Hartford since 2/07. I recently met with someone in my home to review my claim as the one year mark approached. Everything I said and explained to him was taken out of context. I have an autonomic dysfunction that is very hard to explain to others. There are many symptoms that I experience. They knew I was going to an endocrinologist as my adrenal glands aren't functioning properly and having additional blood work, etc. performed. They didn't wait for the new results, they disagreed with my cardiologist who has been treating me for over three years as I've gotten progressively worse. The people they have reviewing the claim and judging whether you can or cannot function daily do not treat you, see you on a daily basis, etc. I did not lie about any duties I am able to perform or not perform.
They videotaped me for four days, without my knowledge out of 18 months out of work and decided I could sit for 8 hrs a day even though my blood pressure drops while sitting, my face swells, my heart will race, the same symptoms I get while standing or walking. My cardiologist documented all of this and explained to them I've had episodes in her office while sitting but they don't care. I just received a letter that they cut off all benefits, including what health insurance I had left for the next few months. Now I have no income, no insurance for myself and daughters and don't know where to turn. I don't see how they can do this to people and put their lives at risk. I now face the possibility of losing my car, my home, etc. How can they get away with not listening to the doctors who have been treating you?
I am now losing my monthly income and insurance benefits for myself and daughters that I should have had until August. My illness gets worse with stress and I have been a mess since all of this. Because they don't understand the autonomic dysfunction and everything that goes with that, they decided I didn't need the benefits and could work. I risk losing everything I own! Brian of Salisbury, NC March 17, 2008
Brian of Salisbury NC (03/17/08)
I am on Workman's Comp. due to an on the Job Injury. I have a hard time getting my money from them. I cannot get anyone to respond or return calls. This has been an ongoing battle from day one. I have a doctors stating I cannot perform my previous duties and now no one wants to talk with me or send me my owed money. I have had to fight with them on many occasions.
I have a son with some major Medical Problems. Due to this, I cannot get my bills paid and all the needed care for my son. Lanetta of Sacramento, CA January 24, 2008
Lanetta of Sacramento CA (01/24/08)
I purchased long term disability insurance from Union Secure for union members. The policy was issued by Hartford. My injury occured on 8-22-07 and I filed a claim with Hartford. I sent in the claim form with doctor statements and was told the claim was being investigated. I then contacted them and the said they needed a wage statement from my employer. After that was received, they said it did not break down the overtime. So after a lot of back and forth, I finally asked the adjuster why he could not just do the math. I am guaranteed 40 hrs. a week and anything after that is overtime. He told me he would take the extra step to help me out.
Now they are saying I received my policy amount from workers comp and they will not pay the claim. I purchased this insurance because I wanted to make sure I would be able to cover all my bills in the event of an injury at work. Is there something that can be done about this? I would not have purchased this insurance if it was stated on the application I filled out that they would not cover me if I received worker's comp because I know they will pay me max benefits.I have been stoned walled throughout this experience by the Worker's comp adjuster and Hartford insurance adjuster. Nicole of King George, VA January 17, 2008
Nicole of King George VA (01/17/08)
I was placed on short term disability early during my pregnancy, at approximately week 20. I had various complications, and my doctor told me to take leave and would back up to the beginning of the week (when I initially took leave). I conducted every phone call, follow-ups, and a lot of frustrating/pressuring messages to get my employer and doctor to get EVERYTHING that Hartford continued to say they needed. At various times I was told everything was received, and then 48-72 hours later I would call--having not heard from Hartford. I would be told that they still needed something, and my barrage of calls to employer/doctor would start again.
Once I got everything to Hartford it took them over 72 hours to make a decision, and again I had to call them to find out that they were denying me. Their reasoning was that I had a 5-day lapse of no work before the doctor placed me on leave. But, the reality is: I did not. The week prior to being placed on leave was Thanksgiving week, I had Wed. off (pre-approved by my employer for my mid-pregnancy ultrasound). Thursday was Thanksgiving, and Friday was a paid holiday for my employer. I have argued this and have been told that I can appeal once I receive a letter from Hartford with all of that information. However, here I am a week later and nothing.
I am set for eviction in one week, my car insurance has expired, I cannot afford diapers for my 2-year-old, and am now 8 months pregnant and without income. Diana of Chicago, IL November 28, 2007
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