The Hartford - Disability

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Diana of Chicago IL (11/28/07)
I submitted a personal health application and was requesting weekly short term disability. I received a letter from The Hartford insurance company saying Your request for Weekly Disability has been declined based on the personal and medical information provided. Specifically, this request was declined because the heigh and weight measurements of 5 feet 3 inches and 190 pounds are not within our acceptable underwriting risk paramenters. I am a perfectly healthy 26 year old female, I am a non smoker, I am on no medication. The Hartford basically called me Fat and Unhealthy!

Karen of Louisville, CO November 28, 2007

Karen of Louisville CO (11/28/07)
After having faithfully paid my disability premiums on time for years, I unfortunately became disabled due to a car accident. The Hartford said that I was disabled but not by the car accident but because I was mentally ill. That gave them the right to cut off my benefits after 2 years. I am not and have never been mentally ill. There is no record of mental illness of any sort in my medical history. Social Security has been easier and more reasonable to deal with.

This has dragged out 4 years now and I am losing my house, my car and most of my possessions. My credit is shot. I am stressed and depressed. My attorney fees have eaten up most of my savings.

Nanci of Sacramento, CA November 15, 2007

Nanci of Sacramento CA (11/15/07)
I was a Hartford employee for 20 years, working as a team leader in the claims department, along with several other jobs along the way. I was injured at work in 1996, suffering annular tears in two discs in my back. Every year I am sent a questionnaire asking me for the same information. Every year I send it back telling them what I can and cannot do.  The doctors have filed their forms as well.

Hartford has somehow gotten the idea that I can perform work within my limitations to the tune of 10-15 hours per week. Yesterday I received a letter saying that they are terminating my right to my Group Life Insurance benefits because I am not disabled. Is this a precursor to them terminating my Long Term Disability benefits, which I happily paid for throughout my career? How can they say I can work when limited to 10 hours per week with restrictions of not being able to sit for an hour and stand for 1/2 hour? It's ludicrous. Not to mention that The Hartford apparently didn't contact any of my other medical providers, specifically my Pain Specialists, who I see every month for very strong pain meds including Morphine, Neurontin, and Clonipin.

How can I find a good ERISA attorney, one whom can and will fight for my rights, and when is someone going to take The Hartford on in a class action suit about their LTD policies? I'd like to know the outcome of anyone else's problems with The Hartford. It seems the big corporations are able to run roughshod over their former employees and everyone turns their heads the other way.

If they stop my disability payments I will be reduced to supporting my family on the money I get from Social Security disability. I will not have any health insurance benefits for them although I will still have Medicare. I made good money and my LTD payments along with my Social Security are 70% of my prior pay, so there is a substantial amount at stake.

Raymond of Strykersville, NY October 17, 2007

Raymond of Strykersville NY (10/17/07)
My long term disability with Hartford should have started 8/1/07. I have been in contact and gave all they requested, overnight and faxing when required. I did not hear anything about my case until I checked on-line, 10/15/07, and saw I would be getting a check for 326. This was for 3 months they owed me. I should be getting 60% of my 66,000 a year salary. I received the check for 326 on 10/16 with no explanation.

I have had to sell things to keep from losing everything I worked for, not counting the stress and mental anguish Hartford has put me through.

Karen of Orlando, FL October 6, 2007

Karen of Orlando FL (10/06/07)
2 years ago in 2004 I suffered a stroke. The cause at the time was due to bone movement in my neck and narrowing of caratoid arteries. i had fusion surgery to correct the neck problem. I was sent home with a walker to steady myself while irecovered. And was told to walk with a cane to balance as the stroke caused right sided numbness from face to leg. i've also suffered memory loss from the stoke. Short term disability kicked in and was paid.

Then it was Hartfords turn...They originally approved the claim. 6 Months later they followed me for a week. They have 3 minutes in whole on film. They have me leaving the drugstor and hobbling to my care ( It was raining) They say i was skipping joyfully along....They have a picture of me tying my shoe and that's it.. They terminated my claim along with insurrance coverage for my entire family.. My youngest son has asthma !.. Luckily my spouse was able to pick us up through the same company..However,, They denied coverage for me for life insurrance .. The company of was Hartford.. stating due to a preexsisting Stroke !!!

I appealed to no avail..They stated that the neurologist failed to perform a specific test. The story i read above is right they look for anything to deny claims.. This is bad faith...

i was approved for SS benefits they state I'm permantly disabled but the amount comes no where near what we need for everyday living..i was the primary breadwinner for the family and I paid in the maximum ammount on this policy for 9 years. This is stressful on my entire family and has caused us a great hardship.. What can we do to bring these folks to justice?

Maureen of Valrico, FL September 21, 2007

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