The Hartford - Disability

The Hartford - Disability

The Hartford - Disability

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Overall Rating2.2 out of 5
See all 364 reviews & ratings

About The Hartford - Disability

The Hartford is an insurance company that provides coverage policies for homeowners. As the only insurance provider endorsed by AARP, The Hartford offers discounted plans for AARP members. The company also focuses on community impact with its Human Achievement Program, which encourages volunteerism and education.

The Hartford - Disability Reviews

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Page 2 Reviews 10 - 40

Reviewed Jan. 3, 2023

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.

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Reviewed Aug. 31, 2022

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.

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Reviewed Aug. 22, 2022

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.

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Punctuality & SpeedStaff

Reviewed July 28, 2022

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.

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Customer ServicePunctuality & SpeedStaff

Reviewed May 26, 2022

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.

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Customer Service

Reviewed May 16, 2022

I have left messages for disability analysts over the past few months and none of my calls have been returned. Not only can I not get information on what they are looking for as to an update - they treat every disability the same. I have had my doctors state that I am permanently disabled for the past 3 years and yet The Hartford continues to ask for the same paperwork. They last told me a year ago they were not looking for a functional capacity assessment and yet they send this out annually. This makes no sense and I can't get them to respond to phone calls.

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Customer ServiceOnline & AppStaff

Reviewed March 31, 2022

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!

1. Missing/Misplaced HIPPA paperwork/faxes
2. Fax number for Claims Department provided on website is incorrect
3. Multiple messages left for Supervisor, never returning one phone call
4. Analyst caught several times lying about doing her work
5. Time limits set on Doctors to complete paperwork when test results are not in yet
6. Analyst mentioned they were requesting a psychiatric evaluation for me because I was stressed out about the claim, which they later retracted because I spoke with my employer's upper management and filed a complaint against them.

7. After all the proof of my disability and ongoing care they still only approve a couple weeks at a time!!! Then the entire paperwork gathering starts all over again.

Someone, seriously needs to think about filing a class action lawsuit against them. If there were a way for all of us to communicate, it would be great! I think they would change their tactics... and how they handle people with disabilities! God bless!

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Punctuality & SpeedStaffProcess

Reviewed March 19, 2022

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.

In my case, even the short term disability was a hassle as they kept ‘losing’ paperwork and claiming that they needed more information. I did, however, get approved for short term disability on the initial try. But I didn’t get it until six months after I filed a claim (thank goodness I have a ton of savings). By that point in time I was already in the long-term disability window, and it was very clear by my symptoms, and supported by five different doctors, that there was no way I should be going back to work.

The annoyance that was the short term disability process soon turned into the nightmare of the Hartford‘s long-term disability process. They have it set up to make it as difficult on the claimant as possible, and we are people who are already dealing with serious conditions that make it hard for us just to get through our days. We don’t need/can’t handle the monstrous process The Hartford has set up, and that’s what these sub-human devils count on.

Some of their usual moves include: saying they don’t receive faxes or mailed documents so you have to keep bugging your busy doctors to resend things, putting artificial deadlines on records requests but only giving doctors a couple days to comply, parsing every word you say to see if there is somebody else from whom they can request records and continue to drag out the process, The minute they do you get records or forms filled out from your doctor, they turn around and ask for more, then do a quick-draw denial if there is any lag time with your doctors getting them records (and I ask, how many of you know doctors who have so much time on their hands that they can spend their whole day responding to insurance requests?), so that they can get around the rules of how quickly they have to legally make a judgment on your case.

If they reopen your case after their initial quick denial once your doctors do submit the records in, you know, an actually reasonable timeframe, they have all the time in the world to draw it out and they sincerely count on you giving up all hope or maybe even dying while they stall.

In my case, I was on the merry-go-round of constantly filling out more and more forms, having to wrangle six different doctors to make sure they were getting records in and forms filled out in a timely manner (which is a lot to manage when you are a sick person who can barely even get out of bed during your day… I don’t have to tell you that it certainly hasn’t helped in the recovery process), fighting with them about supposedly lost records, etc. for almost 9 months (and this was AFTER the initial 6 months) before they finally handed all of the paperwork from all of my doctors, all saying there’s no way I had any business working, over to their own hired doctor, who has never seen you, whom I’m sure they pay very well just to contradict people’s actual doctors.

Once it got to that point, the denial came very quickly. I was already prepared for it because it was abundantly clear at this point that this was not an ethical company and I knew what they were going to do. I had a lawyer lined up already and had the letter ready to go to start the appeal process, which included requesting the entire set of records they had amassed. The cherry on top of the horror-cake that was my experience with the Hartford was the fact that instead of sending the records on a disc, like the other disability insurance company I had to work with in the past, they had somebody print out every single page and mail a hardcopy. What arrived on my doorstep was the size of two big city phone books and weighed 15 lbs.

This was what I was to hand to my lawyers for them to parse through and build their case. At that point I just had to laugh. Bravo, the Hartford. You are officially the most terrible, evil company in existence. If I knew how to come after you legally, I would be doing it. Once I get better, which I do plan to do, and I plan to do it with all of the money you owe me in hand eventually (because I’m not giving up, **), I am going to make it my business to write letters to every politician, every Attorney General, every governor, every news outlet I can to try and get some traction on making your business practices illegal, or even coming after you for your practices that are actually currently illegal, but with which you are somehow getting away. You deserve to go down in flames. Shame on you for preying on people who are at their lowest and most vulnerable. If karma exists, anyone associated with The Hartford is going to really be in for it.

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Customer Service

Reviewed Nov. 23, 2021

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.

If it was you that had to go through all of this to be able to receive money that you have been investing into for 3 years I'm pretty sure you will feel how I feel. This is the worst company ever and there are not professional at all... Customer service is terrible along with their communication! Wish I never was injury because they don't care how you make it with no income since this is supposed to be GUARANTEED help that you pay for!!!

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Customer ServiceStaff

Reviewed Nov. 22, 2021

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.

Due to my dr telling me I NEEDED to take some time off and just focus on my mental (my mom passed back in June she was struck by a hit and run) I decided to take some time. Would I have known that I would not be getting paid for those 6 weeks after being released from a psychiatric facility I would have went against my drs wishes and went to work. I am a single mother with 3 small children I can’t afford to take any kind of break from work, I know I made a horrible mistake but mental illness is real.

I don't mean to make anyone feel bad for me but at this point I don't know what to do. I am beyond frustrated, EVERY SINGLE time I call Hartford I hang up crying. The customer service reps have no clue wtf they're doing. The “Analysts” are never available or a supervisor for that matter. I never get call backs, they always need something else, every time I call… again this has been going on since September 7, 2021. If you're an employer I’m begging you DO NOT USE THIS COMPANY FOR YOUR EMPLOYER!!!!

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Reviewed Oct. 22, 2021

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!)

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Reviewed Sept. 9, 2021

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.

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Customer ServiceStaff

Reviewed Sept. 2, 2021

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!

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Customer ServiceStaff

Reviewed Sept. 1, 2021

Do not use the Hartford for your disability insurance! They will take your money and do everything in their power not to pay when you file a claim. First of all they are completely incompetent. I have had to call twice a week since I went on disability to follow up on the things that they said they would do. If they say they will call you back something send something they more than likely have not done it. On a couple of occasions I was told that my paperwork had not arrived but when I inquired further I that my paperwork had arrived they just had not reviewed it yet. My therapist said everything that was asked for and more yet they denied my claim twice. My therapist sent an extensive letter outlining my depressive disorder and my symptoms which prevented me from working yet they still denied my claim.

The stress of having to continuously follow up on the Hartford and the status of my claim has aggravated my anxiety and depressive disorder. I am under extreme duress facing a divorce from my alcoholic husband, taking care of a toddler by myself and my brother passed away 2 weeks ago what more do I have to go through in order to get the disability insurance that I am due?! I am in tears writing this right now but I will get what I am owed!

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Reviewed Aug. 13, 2021

LISTEN AND LISTEN WELL-Do not use The Hartford! Not effective communicators and unfortunately are taking your money or your companies money with every intent not to pay out these claims! Please contact the Attorney General's Office and report them as soon as possible. Corporate crooks!

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Customer ServiceStaff

Reviewed Aug. 12, 2021

Over one month ago I had a severe reaction to new medication which also caused a psychotic break so severe I had no idea where I was even if I was at home. I am still recovering from cognitive and physical impairments. The representative will not return phone calls or messages. Customer services says they need more information but they won’t tell me specific information. I’ve made several trips to my dr to have them complete the same forms. The dr will fax them. I also email them and put them into regular mail. I have worked for my company for several years and I actually enjoy my job and look forward to getting back. I am 45 and have never had to file a disability claim until now. While this company gives me the runaround, I am stressing over whether or not my mortgage will get paid or if I should pay the electric bill or buy groceries.

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Reviewed May 21, 2021

I had an accident that caused a laceration with muscle, nerve and tendon damage to my dominant hand. I have gotten refusal to pay letters from them for the ER visit and the surgery. They are now denying another surgery to repair and correct what the first surgeon did not do.

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Reviewed May 3, 2021

Hartford LTD. Long Term Disability. I purchased years ago. When Covid hit I started spraying my bus with disinfect per my boss. Well from spraying like 5 times a day it injured my lungs. I tried to use my LTD since my Dr took me off work. They have harassed my doctor my Pulminary Dr. My Dr filled out all necessary firms but now they state he only gave 1 word answers. I dont recommend this insurance company. You will not get the disability.

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Reviewed Feb. 6, 2021

Having purchased the insurance through my employer I have been diagnosed with cancer. I’ve lost a kidney, and a portion of my bladder. I am currently going through treatments for my bladder for 6 weeks four times this year and The Hartford has refused to continue payments to me costing me $1,800 per month suggesting I go back to work at a meat packing plant during a pandemic. I am being gamed by this company and will continue to turn the screws until I am made whole.

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Reviewed Jan. 16, 2021

They don't pay. They harass your Dr. over and over again. Total scam, how can they be in business? Government or consumer affairs should go after them. You think you have insurance if you're sick, but you don't. Class action suit anyone?

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Reviewed Dec. 15, 2020

I faxed all the necessary paperwork on Thursday 12/10/2020. I called today. 12/14/2020 to make sure they received all the paperwork. I was told they received nothing. It is supposed to take 24 hours to show up. I have exhausted all of my finances. My hr Co worker even called them. And we both were told check back tomorrow. Thanks a lot The Hartford for giving me my 30 days of pay. Hope you all have a great Holiday. I'm trying to take care of my spouse who is a amputee.

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Reviewed Nov. 25, 2020

Traumatized by my experience with this company. Lost paperwork, empty promises, calls not returned, misinformation. Wrote CEO, and still did not receive anything even close to adequate or acceptable service. I have been sick with Long Hauler COVID for over 3 months, and suffer debilitating symptoms. Working with them was literally a Nightmare inside my already COVID Nightmare. They handle only my company's Leave; thank God another company handles the Disability - which was approved much more efficiently than anything with The Hartford. While I was sick, at times unable to get out of bed for days in a row, I needed to continue to call and follow up because they were unresponsive and continued to lose paperwork, etc. (BTW - I wonder where my PHI paperwork went...? Maybe a good question for a Lawyer...)

My recommendation: keep track of every single interaction, who you spoke with, what time, what day, what transpired. I did for nearly every interaction, and plan to send all of the details to my Fortune 5 companys' CEO once I am in a much better place health wise. They need to know what their employees are going through. I am back at work now, still struggling, but managing. Lo and Behold, one of my employees just went out on leave, and texted me the difficulty she is having with The Hartford - needless to say I was not surprised, and definitely advised her to keep records of all interactions, too. If you are having to go through this company for a leave or disability, I am sorry for you. Try to be prepared and advocate for yourself.

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Reviewed Oct. 11, 2020

After suffering injuries from a roll over car crash I received short term disability for almost 6 months. I returned to work with limited duties and struggled to continue working. I started missing work and leaving early suffering from head injuries. My HR team at work reached out to the Hartford and had my LTD claim opened and reviewed, after a month of paperwork the Hartford approved my long term disability claim and informed me of my benefit amount. On that very same day my employer terminated my employment.

Two weeks pass from my termination date and I had yet received my benefit payment. I contacted my Hartford rep and could tell something wasn’t right, they kept delaying me and not answering my questions. Finally I received notice that the Hartford reversed their decision and now denied my claim. I appealed their decision and was denied again. Now with no income and being a sole provider of my family of 5 things have gotten desperate. The most upsetting part of this was being told by the Hartford that maybe I should find a new career! Such despicable people work for the Hartford!

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Reviewed Aug. 14, 2020

I had to go out of work 1 time in my life. I am 45 and have back pain. They approved me for my waiting week then closed my claim. I returned to work for 1 week then was taken back out by my spinal surgeon. Now that I will receive paid weeks from them they keep coming up with excuses not to approve me. If I could afford it I would try to not have to deal with the Hartford at all. They only seem to help professional disability cases. You know the every year kind of pros that every corporation has.

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Reviewed July 16, 2020

Hi, I have The Hartford and I pay for LTD. I have given them all they asked for and I was informed that they have determined that "their doctors" know more and better about me, than my PCP and my Orthopedic surgeon. Although my claim is approved, they have stopped paying me my benefit payment and have instructed me that I must contact my state Rehabilitation program and I must let them find and determine what job would be within my restrictions.

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Reviewed July 14, 2020

Having a stroke has been a nightmare, dealing with Hartford on short term disability has almost been worse. I have had to jump through hoops to get approved, now I'm having to "renew" my time. The stress of dealing with them is going to cause me to have another stroke, they treat you like a criminal. I didn't ask for this to happen to me. It's not like I'm faking a stroke. I should not have to keep filling out new forms. And they have absolutely no empathy. I am only dealing with them because it's who my work uses. If I had a choice I wouldn't use this company for anything. Short term disability is horrible as it is, quit playing with the lives of people who have valid health conditions!

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Reviewed June 12, 2020

They don’t pay, you need to fight for your money. I was told, "You worked in pain before. Why can’t you do it now." They had notes from two different dr “no work”. Still not good enough. Don’t use. They don’t pay!!!!

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Reviewed May 19, 2020

Whomever called from Windsor Ct ** who did not announce herself and then moved forward with yelling and calling me a liar should be terminated immediately. If The Hartford prefers to be corrupt and try and lie their way out of the obligation that they are assigned when taking money from a client then there are laws for that. I will be calling the Attorney General of Texas and Connecticut to file a complaint. You have denied my claim so I have turned this over to an Attorney to file for me. Again this disgusting foul human on the other end of the phone should be terminated and this email will be my review of the actions of The Hartford.

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Reviewed March 20, 2020

I see there is another post regarding a torn tendon and being temporarily disabled...I too just received a denial...I have paid out of pocket through my work (which is one of the larger employers in WNY) for years and now that I've been taken out of work for a specific timeframe to heal I was denied. Ironically, I bought a policy from AFLAC who approved my claim and I haven't had it as long as Hartford!...what's wrong with this picture??? I'll be appealing and giving them lots of grief equal to the pain I'm living with!

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Reviewed Feb. 26, 2020

I collapsed in a crosswalk mid- January 2020 and sustained injuries from the hard fall. I was admitted to the hospital via the ER and discharged over the weekend. The coming Monday, my PCP faxed a completed Physician Statement from The Hartford. Seven days after the form was received with supporting hospital records including abnormal EKG, regurgitation from a leaking valve in my heart, POTS, and a few other abnormal results, The Hartford assigns an Analyst who calls and explains that she’s processing the claim per the short-term policy.

In early February, approximately 2.5 weeks later, my employer tells me that The Hartford denied the claim and sent an email to them confirming this denial. When I called, on the recorded line, The Hartford told me it I had 2 claims under review: 1 short-term and 1 long-term. I asked why there’s two since it’s 1 incident and only 1 physician statement was faxed for 1 incident. No one at The Hartford returned my calls nor provided answers as to what was going on for days. In mid February, The Hartford conceded via email that it was a mistake made on their end while processing my doctors complete form and records.

The Team Leader overseeing the processing of my claim then calls to say that “stress and anxiety” are also symptoms on the January form that my doctor submitted along with fainting, and orthopedic injuries. The Hartford then sent mental health forms to be completed exactly 12 days (two more weeks after the initial processing delay) because they didn’t sent them in January or early February when they sent all of my doctors records requests and forms. The Hartford, however, complained that my therapist didn’t send records in early February per their request. When I asked for a copy of the fax they sent, and they sent it to me, I see that the complaint was dated 12 days before a record request fax was sent sent to my provider. Health providers aren’t clairvoyant and cannot send records 12 days ahead of a request to even do so. No one can.

The Hartford received the completed additional mental health form and then came back and said they required more information from my doctor and mental health therapist. Both providers completed the forms and returned them. While the forms were being completed, I had an MRI of my knee that revealed a partial tear of my MCL. By medical definition, this is a sprain of the knee. The Hartford disability website says sprain and strains are covered by their disability insurance. However, today 2/25/20, The Hartford did not approve the symptom. The MRI report and the treatment record from a top board-certified orthopedic surgeon was rejected today by The Hartford saying it’s not a valid injury. The policy says it covers sprains and a sprain it legally defined as a injury or tear of a ligament.

For the treatment of my heart condition, I underwent a CT angiogram and a tilt table test in early February. In addition to the irregular EKG, the tilt table revealed very abnormal blood pressures and pulse data and the angiogram revealed a large growth on my right ovary and 4 in my lungs (with no history, ever, of smoking—or second-hand). The cardiologist was concerned with the ovary growth and suggested that I have further testing to investigate it. The growth turns out to be quite suspicious via ultrasound imaging and my surgeons says since I’m post-menopausal, the chances of malignancy is much greater. I am to undergo surgery to remove the growth and Fallopian tubes.

I had an irregular abnormal ekg, abnormal growths in my CT, and a tear in my MCL, and The Hartford still has not approved the claim. My providers complete the additional info requests and provide results backing their recommendations and The Hartford keeps saying it’s not enough. It’s been 6 weeks without any income and I have no idea when The Hartford will stop their games. They continually demonstrate bad faith.

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The Hartford - Disability Company Information

Company Name:
The Hartford
Year Founded:
One Hartford Plaza
Postal Code:
United States