The Hartford Disability Insurance Reviews

This was the hands down worst short term disability and maternity leave experience I have undergone in my four pregnancies. They have no idea what they are doing and it's impossible to speak to a claims agent. You can only speak to overseas reps who parrot the wrong information it says online. They approved my leave and then rescinded approval at the end.... Like does that make sense? This company has caused me so much emotional distress at the very vulnerable time of having a newborn. Do not ever willingly use this company and if you are forced to make sure you check the regulations yourself because they don't know Jack squat.

Terrible experience with Hartford. Provided them with all necessary documents and they still closed my case due to my dr office not returning any of their fax. I’ve only since my dr once after surgery for staples removal and submitted those notes. Yet it still wasn’t enough they wanted to know next steps for me. Advise them I wouldn’t see dr until the upcoming month where they can actually access me but they didn’t care. Closed my case didn’t even have the decency to call me.

Truly pitiful. Making decisions based on 'doctors' (I'll believe it when I see it) that make healthcare decisions for women postpartum that have never seen or talked to the patient. Image that. Stupid and criminal. Somebody fix it.

Don’t waste your time. This company will Do everything in their power to refuse payment no matter how small the payments are. They will also integrate your doctors and ask for illegal information… Horrible, horrible company!!

The Hartford has been extremely difficult to deal with regarding long term disability claim. I keep getting the runaround that they either didn’t receive documents, couldn’t read documents or they keep asking for more documentation. I have submitted the same documents numerous times and I have been waiting for 10 weeks without an approval. My wife and I are going to become homeless due to me not having an income and my wife is on a fixed income. They don’t care about the well being of their clients especially when it is regarding a mental health condition. They will cause you into a mental health crisis.

The Hartford approved my short term disability claim, paid a month then closed it saying the disability isn't supported. Then opened it as a long term when I called them out on it. Been waiting for a month now for them and I can't get a straight answer as I have bills stacking up.

My employer uses Hartford for all of their paid disability leave cases so I used them when I went on disability for my pregnancy and postpartum disability. The incompetence that I experienced from the customer service representatives was astounding. Time and time again they would make mistakes related to my leave that required me to repeatedly call back to try to correct. They fought me when I got an extension related to postpartum depression. Multiple times I had to get my employer’s HR/benefits department involved to help. They have been such a headache the entire time dealing with them.

Hartford (Heartless) cancelled my benefits after a 5 day surveillance and on 1 day I went to get a haircut and a store to get a pillow. I drive through a drive through for food and parked taking a rest. The investigator videoed thought I gotcha! I did nothing wrong. I went to get a haircut and went to a store and tried on a shirt over my head so I didn’t need to walk to the dressing room. My energy is low and my pain levels terrible. I’m in palliative care. Not curable. My benefits terminated and an investigator who asked all kinds of questions. I told him people who are disabled are allowed vacations. We have good and bad days. But never a day without pain. The fatigue and the pain alone messes with your mind. 9 years of hell and no end in sight and here comes Hartford claiming I can do “any job”. It doesn’t matter if it’s dishwashing. Good luck with that since I can barely do my own dishes. '

This company is a total fraud. I haven’t worked since June of 2023. I was a pilot for Med trans and started having heart problems that caused me to fail my flight physical. I haven’t gotten a penny from Hartford. This company should be shut down. If the company you work for uses this fraud don’t depend on getting anything. I have litigation pending.

Will not pay you for any type of depression. They do not believe in mental illness. The Hartford will ask for multiple forms but it's a waste of time. You might think you are going to be approved, but it's just a false sense of progress. Regardless of what you provide to them as evidence and medical information your claim will be denied.

I purchased short term and long term disability through this company with each job I have had over the past several years in case anything ever happened. I work hard and didn't plan for anything to happen, but you never know. Last year I began having seizures, and in March, my doctor decided I needed to be placed on a leave of absence until they could at least get the problem under control. I had the doctor send in the paperwork requested along with my employer.

The Hartford Disability is a joke. I’m on medical leave. I contacted them the same day I’m put on medical leave 5/28/24. They continued to ask for my doctor to fill out forms. Oh we need this form, weeks later we need another form, weeks later we a different form to complete by your doctor. It’s after July fourth now and I still have not been paid. I wish I can sue them.

My experience with The Hartford Insurance has been a nightmare. Despite being approved and paid out faster by state disability, I spent three years grappling with their inefficient processes. The remote staff's failure to return calls has left me frustrated, stressed, and anxious. The level of incompetence and disregard for customers is unbelievable. The Hartford's unethical behavior has pushed me to consider legal action due to the undue hardship caused. I caution others to be wary when dealing with this company.

Like others on this website, I wish I could give Hartford a zero star review. I had open heart surgery due to a non-work related accident. I received a phone call from Hartford as they are my employer’s long-term disability carrier. I had no idea that I even had long-term disability, So I was relieved when I received the call. The representative told me about the benefits and indicated that some paperwork was needed. They sent me a form to give to my cardiologist and it was returned a week later. Then they asked me for all the records of my doctor visits since the surgery I sent that in as well. My claim was to be reviewed or so I thought. Now I’m finding out that they have additional questions for my cardiologist that must be answered because according to the Hartford, I should be back to work by now.

I wish I could give this company a 0 star rating. This company is a complete scam. I have been out of work since March 24 and suppose to return back to work on May 24. I have done everything to send in all my paperwork on time but they take forever to response make a decision on my claim. They take 5 days to review my claim and ask for more and more paper work. By the time they get done asking for paperwork it’s time for me to return back to work. I will not be re enrolling back into this coverage. I have try to focus on my mental health but so hard when you stress about money and making sure I get steady paycheck. I only received one paycheck and which wasn’t even the whole check. I hope this company burn in hell. I am completely done with this insurance.

I completed my claim on January 25th. I pay a premium for only a 7-day waiting period. I was told 5-8 business days after my doctor submitted paperwork I'd have an answer. It’s March 26th and I’ve not received a dime. My contact is short and rude to me. I’ve had to pawn things to pay my copayments to continue my treatment. My doctor wants me to be out until June 1st, but that certainly isn’t possible because I’ll be homeless. I received a survey to track my satisfaction and I expressed my displeasure. I’ve never had an issue with an insurance company like this.

When I first filed with The Hartford for STD through my employer it seemed seamless and easy. Little did I know that it would soon turn into a nightmare. I have been diagnosed with Cervical Radiculitis in my C7. They constantly hound the attending physician for paperwork on my progress. I was recommended by my ortho doctor to follow up with a pain management facility as the PT and he could no longer provide treatment. The Hartford requested the new doctor's office fill out the required paperwork and give me an extension.

I have been diagnosed with diabetic Neuropathy, Retinopathy, Carpal Tunnel, and Cancer. The Hartford has come up with every excuse on earth to not pay claim. How such a fraud company stay in business is a mystery. They take advantage of this ARISA Law which itself is trash backed by crooked Congress. Although Congress oversee ARISA, my Congressman say they can't help with that. With companies like The Hartford, who needs any terrorist groups!!

At first, it was easy and smooth sailing then they change from own to any occupation, they think everyone can work. I suffered a brain injury that impairs me cognitively, poor memory, lack of concentration, forgetfulness, migraines, vestibular balance issues, vision issues, all in my brain injury, plus physical injuries to my cervical spine and lumbar spine, multiple bulging discs a backwards curve and a tear in one disc that needs to be replaced. I have tinnitus and I get overstimulated fast, can’t even sit in a gym hot tub, lighting people that amount of noise sends me into a migraine or panic. Aside from this I also have PTSD and anxiety depression but I am 100% able to work according to Hartford and it’s drs that’s never seen me. And my 6 drs and specialists are apparently to the Hartford all wrong even with testing and everything being documented.

I’ve been employed at my job for almost 9 years and have been on leave since December 2022. The Hartford has came up with every excuse not to pay out my benefits. It’s one thing after the next. This latest excuse blew me. (DENIED) reason: “Not enough information.” How when they never spoke to my healthcare provider? This company is a complete scam, and they need to be shut down. I will be hiring a lawyer. If you are currently going through the process don’t even waste your time! Get a lawyer NOW! The Hartford does not care if you are pregnant, depressed, anxiety, cancer, or any other life threatening conditions. This company is only around to collect money from the consumers, and not pay the person insured nothing. This company needs to be shut down!

This company. Smh. From the very start you can tell they don't want to approve your claim. Their approach and tone, whole demeanor is horrendous. Yes there is an expected procedure, but you need 5 days to review any documentation? Then after 5 days you get an email or a call saying you having missing documents when your paperwork was completed 100% accurately. It's been months and I can't get an approval for my LTD through my employer. I just hope I can sue these people. I can only imagine how many other lawsuits they already have against them.. But I guess they just don't care. I would stay far from this company!

Diagnosed w/ Cancer...Submitted claim for short-term disability through my employer w/ The Hartford. Not once have I spoke to agent handling my case. They use customer service agents (overseas that do not even speak English) as the middleman when you call in (Smart). So they pull up your case and read through the notes and basically advise you whatever you want to hear. It took months for them to approve my claim.

Back in 2016, I had my insurance dropped under legally entitled paternity FMLA when my son was born. Every single document was properly filled out multiple times. Now I’m on interment FMLA to help manage my dad’s needs and The Hartford is trying to play the same games. Not responding to faxes, emails, etc. This company should be reported through every avenue possible, Attorney General’s offices, Labor boards, Unions, The companies themselves. Sorry Hartford, but FMLA is a law and can’t be manipulated to suit your needs when every single thing is done by the book. You are a miserable, unethical, pathetic company. I have no idea how anyone that represents this company sleeps at night. Should be shut down immediately or held accountable.

I'm trying to get FMLA leave on my wife. We've had her heart doctor send in papers 4-6 times. The doctor office must forget something every time because the Hartford wants me to keep telling them what they are forgetting instead of them calling and walking them through it. Last I checked I'm not on the Hartford's payroll. I don't have time to keep working full-time, take wife to appointments, and try to get some sleep. I will just start calling in to work instead. The Hartford is horrible. We're adding this to our contract to get rid of them.

The Hartford is absolutely terrible. I’ve been waiting almost 4 months for my approval. I understand there’s a process however, this company DO NOT care about the fact they are serving those who became ill. I’m my opinion their process is designed to deny your claim. There’s no reason an LTD claim should take so long. They DO NOT care, they are searching for a reason to deny, that’s the hold up, leaving you with no income, making a bad situation worse!

After 20 years of working, I was forced by my doctor to stop working for two and half months due to my panic attack and anxiety attack. I’m on a heavy duty medication; still they do not care! First they will drag the process for months. Then they will contact your doctor. My doctor charged me extra to write an inclusive description of my condition. They denied my case yesterday after so much back and forth between me, my employer and my doctor. They dodged paying me and blamed my employer for my condition; they expect my employer pays for my leave. A total scam! They do not care about you, at all! They will do anything to not pay you. Absolutely anything.

Our experience was a negative one - figuratively and literally. After weeks of waiting, they paid my wife $3,147.14. Three days later they took it out of her account and left her with bounced check fees. Several more weeks later - after several poor customer service experiences where they admitted they had made an error, they finally paid her a little something to get her by. It was a check for $1.29.

Terrible. Paid my premiums for 15 yrs. When it came time to use they make it as difficult as possible. Repeated requests for documents they know they have. Send you to quack doctors who claim you are fit to fit. Now the claim they overpaid me $13000. No more payments till l pay them back. Won't answer or recalls. Fear l may need to hire a lawyer. Not what l want. Just want what l was promised. Sad that this company is allowed to operate.

This company is only interested in taking your money and providing no service. As soon as you have a claim, they drop you, even after 7 years of paying their outrageous rates. As most other reviews below have found, 1 star isn't low enough for The Hartford.

53 year old US Veteran with Service Connected Disability (Hearing). Hartford Insurance Company and Attorneys "Hedrick Gardner Kincheloe and Garofalo LLP" refused payment of Workmans' Comp Claim since Aug 2019 "Employee Handbook and Employee Credit Cards". As of August 21 2022. THE VETERANS HEALTH CARE (Tricare) has paid All the Medical Bills for 'Work Injuries' from an Unlicensed NC Plumbing Contractor. Hartford insurance paid Hedrick Gardner Kincheloe and Garofalo LLP for the 3.5 million dollar PPP loan during covid 19 and a new attorney's building in Charlotte NC. The US Veteran has been Homeless/Unsheltered since 2019/2020 including 6 months in the Veterans Homeless Shelter while Hartford Insurance and their Attorneys racked in Millions of US Taxpayers Money.

I had to use them for worker's comp, save you the hassle and get a lawyer. They are petty and incompetent. The adjuster Blanca has decided to not go off the drs notes, and she also has decided to pay me 30 days behind on my payments, so of course I’m incurring all types of late fees and hardships. I will be going after all of that in my settlement. Now they have turned a $150,000 payout to almost $400,000 due to pettiness. It’s putting me in a bind now but due to stupidity I’m going to have a nice hefty payout. Thank you Hartford and Blanca specifically for your incompetence and stupidity.

My husband went out on a planned surgical leave. He planned to be out for 6 weeks. Our claim was quickly approved. We submitted paperwork end of March and payment was not received until May 6 for a two week period of time. I called them the following day and asked if they needed any additional paperwork for the rest of the time, they told me, "No. You will received payment the following week." I said ok. That date came and went. I called everyday and every time I spoke to them they said they needed something else. I sent them updated paperwork, contacted my husband's company because they needed something from them. It is now the end of May and I have yet to receive any additional payments that are owed to my husband. Every time you speak to them they are VERY unhelpful. They keep pointing fingers instead of addressing the issue.

I am appalled that these people can continue to do business in our country! I will not waste my time but only say that almost ALL these stories and mine in which we are "handled" are eerily similar!

The Hartford has to be one of the most evil, unethical companies on the face of the planet. They take people’s premiums hand over fist, but when it comes to paying out long-term disability claims, they do everything they can to make sure they don’t have to pay. I’ve read a bunch of reviews on here and realized I should leave my own. If there is a class action suit against this company I would definitely climb on board.

I have been affiliated what is this company for three years due to my job who they recommended. Now that it's time for me to actually use my short-term since I have been off work due to an auto accident my short-term was dated for 10-18-21 and I just was able to get approved on 11-22-21 after I had to call to speak to a supervisor and still want to give you the runaround and now that I'm approved they have to talk to my lawyer's office for me to be able to receive my short-term money and my lawyer's office does not have nothing to do with me receiving my short-term money before the holidays and I still have no income but I still have to play this game.

I have been dealing with Hartford going on 4 months now. I was admitted into a psychiatric facility due to a suicide attempt (they have ALL the paperwork from the drs, nurses, etc) back in November. I was released from the hospital 2 weeks later and Hartford then approved my pay for 9 days…which was completely fine, it wasn’t until I was released from the hospital that I would be told I needed to request an extension for additional time (my company pays me 100% disability up to 8 weeks) so I requested this time after being released, I was told I needed documentation from my psychiatrist which was actually returned to them, but they “never got it”. It was faxed 3 times.

This company is full of the greedy, selfish, unqualified, and never pay up what they owe. Go ahead and keep my money and suffer the consequences as I try to put you out of business. The day after day I will be leaving a nasty review until you pay me the money you are stealing from a person with a broken neck. (How dare you!)

Date 9/9/2021. I has submitted payroll copies as well as a July 13,2021 copy of off set deduction stated on the Advantage site. On 8/15-8/21 pay statement 340.46 was deduced from pay for the stated off set flat rate deduction of 340.46. This means the off set was paid in full. Yet deductions of 340.46 were taken out again on pay period 8/22/2021 and again on pay period 8/29-9/04/2021.Making a total of 680.92 more taken than was required. I have contacted my case work about this issue. 1st on 8/24/2021 then on 9/3/2021. Again on 9/7/2021 and as yet this issue had not been fixed or replied to. I would like to have funds owed to me paid.

What this company gets away with should be illegal! My husband has been out of work with 2 surgeries for his back. This company took 14 months to decide to deny his disability claim after forcing the doctors to fill out the same paperwork over and over again bc they can’t keep track of records. The doctor and PT say he can’t go back to work right now but rest assured the experts at the Hartford say he should be just fine. My husband is one of the hardest working people I know. To watch him struggle just to get around and have the Hartford tell him it’s all in his head is heartbreaking! If he could work trust me he would be. Also good luck contacting anybody from the company. They will respond weeks if not months later. This company is a joke! Don’t waste your time and money on this company!