The Hartford Disability Insurance Reviews

I wish companies would find a new long term disability agent. My STD (short term disability) ended on 12/14/25 and my long term was sent on 12/15/25 to the Hartford. I was denied by them on 12/09/25 before they even got my claim, I had several conversations with the my case worker who claimed he understood all documents was sent but since it wasn't on their form they denied me. Then he had the audacity to say I should go to another dr for a evaluation and have that dr fill out a attending physician form from them. So now here it is the first of the month no money to pay bills, I am still at a loss on how it was denied before they actually took over the claim, those clinical people are very illiterate. If they can't read office notes or surgery notes to determine if the person should be approved but if a person has to have surgery and they have to go back for a post op appt that means that patient has some healing to do prior to being released.

The Hartford Insurance is the worst period!! I had surgery almost 4 weeks ago. I am still waiting for them to approve my short term disability. They have received all documentation from my employer and doctor. What is the point in paying for this if you can't use it when you need it. I will be canceling these crooks as soon as I return to work. I believe they are trying to wait until I return to work so that they don't have to pay me.

Not sure if I have even enough space to write so basically I’m more traumatized than before I reached out and asked for help to the Hartford long-term disability! An experience that I will never forget. I am still not done dealing with them, I thought they were suppose to help people in the time of need? How many papers I had to send them. How many doctors notes. At least 100. This is through my work so it should not have been such an issue! I will continue my review with the outcome and let everybody know what my outcome was. I’m going into more detail to explain.!

I have all the documentation they asked for. The clinical analyst must be uneducated and refuse to understand how disease and disorder can impact someone’s ability to work. If I was them I would not be able to live with myself. I would come home from work every day and feel like an absolute failure. I hope none of these analyst or their loved ones have to deal with someone like them. If you can them, they do not call you back, if they say they understand over the phone how that documentation would significantly impact the outcome of the case. Lies. The letter does not reflect any of their lies. Their denial has furthered my experience of the worst year of my life. Good luck dealing with them. They are not educated to understand disease and disorder.

I have been out of work for a month in that time dealing with Hartford Disability is long and drawn out processes for claim. They keep sending things back to Therapies needed more information. Why can they ask for all they need the first time things are sent back to get reviewed. I am already dealing with stress and anxiety and this is just added more stress to my plate. It should not take this long to make a decision about my disability and it transferred me to somebody and it goes straight to voicemail because they don’t wanna talk to me. I just wanna know what else is you need and what else I gotta do. Tina **

The Hartford lies about everything. They also take/steal your money without your consent and authorization! There is a NO transparency. They are a fraud. Their customer service is the worst! They have no idea what they are doing, they need to be replaced. You always get the run around ending with the same result being Nothing. I Highly recommend finding another company to do your business with!

Probably the most pathetic and incompetent company and group of employees I’ve ever come across in my life. This is not insurance, it’s a scam. They string you along and make you jump through hoops while you deal with cancer and they do absolutely nothing in return but blow you off and lie about how they will call you back and tell you they have everything they need from you only to tell you that they need more, which is usually something that they already have. Just ridiculous. I see an attorney in my future. I will do all I can to see that my employer doesn’t give another dime of my money to these incompetent con artists.

The absolute WORST customer service. I have called three times to request a benefits verification letter. My analyst is supposed to be Charm ** and she should be FIRED. The frontline customer service people have sent the request as urgent each time and I still have no letter and they won't connect me directly to her. I'm beyond frustrated.

Teresa (spelling? Theresa?)- This person answering the calls is past the point of rescue when it comes to customer service etiquette. We have a patient who we have been assisting with her short term disability paperwork, and this Hartford employee is painful to deal with. She is not willing to give basic answers to basic questions. The paperwork in-and-of itself has been a fight for this patient, but Teresa cannot even answer questions for clarification. They deny for incomplete/invalid/missing fields. These are flags within their own system that should be at Teresa's disposal.

Horrible experience! Never call you back! After 12 weeks was told they need more paperwork even though had my doctor's note. Told me would close my case if they didn’t have more paperwork within seven days. Two of those days were a weekend! Asking for income information even though they already had it!! NEVER sign up with them!!!

I have been on a Leave of Absence from work, since February, and for 6 months, I received short term disability. In August, I was called by a Hartford agent about long-term disability. I waited 2 months, and then was denied. They claim that my doctor didn't return calls, and was contacted by a specialist, and never responded, my doctor said he never heard from them, and I take his word over theirs. My doctor said he do what was needed for me to get my short term disability as well as my long-term disability. Their specialist says I am not disabled...Even though my Spine specialist says I am.

In July of 2025, I was diagnosed with two type of cancer, one was melanoma and the other was basal carcinoma. My first surgery was August 1 and the second was on September 2 of 2025. For both surgeries I had to fight to get my short term disability approved. Even after my Doctor sent paperwork after paperwork. My second surgery was the work. I ended up having to send photos to get approved. Something we should not have to do. They want to second guess what my doctor feels is best for me after having. Two major surgeries. One of the worst companies ever. Run away from them. Below is the photo I had to send in order for them to do anything

If only I could give a zero. This is regarding disability insurance. I could not believe that this company withheld payments for my husband who was diagnosed with terminal cancer. In his last months of life he had to fight with this company to get his payments. The Hartford would claim that they sent document requests to the doctors who were treating my husband and ALL the doctors denied receiving these requests. I had to have them email ALL requests for documentation to me and I drove these to each and every doctor each time.

I was injured in an auto accident in January. It took them over 4 months to approve my short term disability and then they only gave me part of the money. Waited 2 months and received a second payment. All this time bills are adding up. They switched me over to long term disability and wanted medical records for the last year. I explained to the claims adjuster how to obtain the records yet due to her incompetence she did not follow through and harassed my doctor. After my doctor repeatedly telling The Hartford Group where to obtain records the original adjuster closed my claim. I filed an appeal and gathered all documentation myself for them. Now I am being told I have to wait until October 10 months after my initial claim before they make a decision. In the meantime my bills are adding up and I am not able to return to work. Guess I’ll be homeless because I was injured and cannot work.

Please be advised that Hartford is a complete scam/ fraud. Please do not sign up for the Hartford. They will bleed you dry and give you nothing but BS excuses in return, even when paying out of pocket...

The absolute worse experience with an insurance company ever. I was handed platitudes every day, but they don’t care about anyone's situation. 26 days to assume liability, then the adjuster turtling toward a reimbursement plan. Initial assessment $4900. After the collision shop got it-over $11,000. And 60 days after the collision, Hartford wants to ship 5 suspension parts from 5 different states. “Have a blessed day-I’m proud to provide you with excellent customer service”. I don’t think so Hartford, I have made 2 payments on my vehicle while you are stalling and I’m driving around with a less than suitable vehicle. Absolutely the worst ever!!!

I claim was transferred to Hartford for my long-term disability. Workers are incompetent. First worker sent medical release without complete information and no signature, then sent a blurry photo of release form that was not legible. I only know information because I inquired why medical records has not been received. If I didn't follow up there would be ONLY the letter in the mail for me to file an appeal. I need to file an appeal because you are not doing your job. I had to end up getting medical release form sent myself. I requested a new adjuster. Now she states she needs medical records from the Wellness center located at my job.

After they found all of my paperwork, they sent me a letter saying I was missing the paperwork. You know that you are supposed to be there to help right? Not screw people over worse! In a time of need this is not the company that you want behind you. I have to try to force myself back to work before my recovery because of this company not doing their job correctly! My company sent my paperwork in months before my short term ran out so that I would not lapse. They told me they had everything and I should have had my interview already, then proceeded to tell me that I was missing the information that they already had.

I would highly recommend anyone looking for workers comp insurance look other places. They have made it so miserable to switch to a different company. I won’t go into all the details, but to suffice it to say, it has been no less than an invasion on my privacy. This is the thanks I got after using them so many years as the Workman’s Comp for our company, pre-pandemic. After the pandemic and loss of staff, we did not need their services any longer. You would think all you’d have to do is reach out to them and let them know you are regrouping - that with just one employee you decided to use another source for Workman’s Comp. You would think! But no - they make you jump through hoop after hoop after hoop after hoop. I will NEVER use the Hartford again - OR RECOMMEND them for any kind of insurance needs.

I had a stroke December 7th 2023. Up to that point I stopped working in October due to severe headache and memory loss. The Hartford denied my initial claim. For two mo the of salary at 80%. What they don’t tell people is the company you work for has say in your claim, even though they aren’t doctors. They let this info slip during a hard conversation. After my stroke it took three mo tha to start getting pay w t and approval. I was on short term disability and then converted to long term disability in June of 2024. Up until now June of 2025 The Hartford has told me they are going to reduce my benefits, per their policy to what they think SSA will pay me. That’s not ok. They will force me into bankruptcy. They have a co fractured obligation to pay me my 60%. I’ve lost 30 years of technical knowledge. Day to day I forget things. Most days I’m in bed.

Worst, most heartless company I have ever had to deal with. To start, they initially refused my claim even though I had surgery for glioblastoma--a brain cancer with an average survival rate of 8 months. It's also on the Social Security Administration's Compassionate Allowance List, a program that "helps us reduce waiting time to reach a disability determination for individuals with the most serious disabilities." Not Hartford, since "compassionate" is not a word I have ever heard used with them.

This company is the worst with following up and making sure you get your payments on time. It’s like they are like a month behind on payments. I don’t care how many messages you send them. They don’t answer. My first case manager was so bad they assigned me a new one because she didn’t call me at all. The operator try to help you at best they can but they can only do so much. I’m trying my best to get my company to get a new company because this is very stressful when you have bills to pay. The economy is all ready bad enough. I believe they do this to try and push you back to work. They don’t care if you are sick or not you are just a number to them. I am more than a number I am a human being that have paid into your company for over 20 years. These companies need to be regulated by the government. Someone please help us…

Dealing with The Hartford Insurance Company.. a nightmare in communications, getting the long term disability benefits, correcting their mistakes, ignoring our requests for information, My wife paid into this policy for 10 years and proved she was disabled by a long-term illness. Lawyer fees are climbing, the process is making her more ill. All we ask of The Hartford is JUST BE FAIR TO US, AND PAY US WHAT YOU OWE. We have bills like everybody else.. My sick wife should not have to tolerate their ineffective and inefficient responses to paying our claim. I’m watching her health deteriorate because of the stress.

This company is the perfect example of making the customer service experience so abysmal that people will give up and let the company take half of their claim. They fight you about your conditions, coming to you from a place of skepticism while you sit without pay with bills due. They don't work for you. Also if they make a mistake on your dates and "retract" coverage, you will be sent a bill that is expected to be paid for in a "timely fashion". I got two of these bills from the company that is supposed to pay me for my broken elbow.

Terrible company to deal with. My doctor gave them everything they asked for and they still denied the claim. They were also asking her to violate HIPAA laws which was not ok. Don’t even bother. They always refuse to pay out.

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.