The Hartford Disability Insurance Reviews

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.

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!

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.

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.

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.

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.

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?

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.

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...)

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.

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.

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.

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!

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!!!!

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.

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!

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.

I was injured on the job in November 2019. I was sent to an urgent care for treatment on my lower back/hip. My initial visit I was treated by a Nurse Practitioner who told me my injury was due to a long term issue even though I'd never injured my lower back but was placed on light duty for 7 days. Four days later I go to work and begin experiencing severe pain. My HR manager sends me back to urgent care. The Dr. comes in, starts immediately apologizing stating the N.P. had misdiagnosed me but he didn't think it was vital enough to contact me and tell me. (At that moment I knew I was in trouble) He tells me I have Sacroiliac Dysfunction due to the fall. I receive a shot and sent back to work.

I wish I can give them ZERO stars!! I’ve been getting the run around for over a month now! I call my claim person almost every other day for updates and NEVER get a call back!!! “We need more information” is what I’m told by customer service reps, HOW MUCH MORE INFORMATION??? My doctor has submitted all medical records and because their clinicians clearly don’t understand medical jargon they’re asking for even more! Horrible, horrible, horrible company to deal with it!!!!

I have a torn tendon in my foot and was out of work for two months. The Hartford Group has yet to return any of my calls to the representative assigned to my case nor their supervisor or even their supervisor. I have faxed, emailed, and uploaded the documentation they requested and still haven’t received a penny from them. If it wasn’t for my wife putting money away for something like this happening we wouldn’t have been able to pay our bills or have a Christmas. It’s now nearing the end of January and we still continue to leave messages to no avail. It seems if they can’t deny your claim they just ignore you.

The only issue I have is that when paperwork is faxed, they will tell you it takes 24 hours to update the claim online but for STD/office notes they don't update at all. They keep you in limbo on whether or not they got the paperwork because if you call, they will say they never received anything but then 5 days later the system will either say accepted or denied. They need to work on the updating process because it would make it much more easier to deal with rather than going back and forth with your doctor and them because they claim they have not received the paperwork.

Updated on 02/08/2020: Was given the runaround from very beginning. No problem with 6 months of short term but once the claim went into long term, it became a completely different company. The application took 13 days to go 200 in the mail? I don't think so. They held the application! This is unethical and illegal. Next they put this scumbag, Chris ** on the case. He lied about his position. This guy is some kind of manager they put on my claim to prevent it from going any further. He made several unethical remarks throughout the process. I was eventually denied after 3 months. He sent my records to an "independent doctor" hired to disagree with mine. They only do this when there's enough evidence to approve a claim, but they don't want to for monetary reasons. I'm sure this guy sleeps fine at night because he's a wicked piece of work. Karma is a **. Good luck Chris! Go chalk up another one.

I submitted my papers for surgery in Oct 2019 for rotator cuff surgery putting me out of work until Feb 2020. The Hartford decided to only approve me thru Dec 17, 2019 which was my 2nd post op appt with the surgeon. Trying to get anyone to call back after numerous voicemail and messages sent thru website is just ridiculous!! I have had no payment from the Hartford since Dec 17th 2019. They have received all required information from my physician and still have yet to update the status of my claim not to mention they have not issued any further payments. This is an insurance that I pay for! I have exhausted savings to pay bills as I was using savings to supplement my disability payments. I have gotten no resolve on this matter and have filed a complaint with BBB!

After a very serious auto accident where I was hit broadside by someone going 55 mph, I was left unable to work due to severe muscular/skeletal damage to my entire body. Broken back, damaged most organs, and many other broken bones and torn ligaments and tendons. I was left unable to use my hands for grasping items, and having 17 surgical procedures in 7 years along with numerous treatments to relieve pain in all areas of my body. I was a awarded social security disability.

I had open heart surgery in January and needed Long Term Disability after the Short Term Disability ended in April. After two months, without any pay, they denied my claim as a pre-existing condition in June. A pre-existing condition is supposed to be when you had symptoms or were treated for a condition before your Hartford insurance started. The heart condition I had has no symptoms or treatment other than the surgery I had when I was insured, but my claim and appeal were denied anyway.

The Hartford insurance company terminated my LTD. I have been disabled since 2008, and I still am. In fact I am more disabled now then and will only get worst. But according to The Hartford, I can work. I appealed their decision. Their review determined that the termination was the appropriate decision. They themselves never contacted me or asked me any personal questions during the appeal. I never had a exam with a doctor. I am on SSDI. Which they said differs from their qualifications.

I have been on long term disability now for 2 years. I have had 3 spinal surgeries in the last 5 years. I have submitted paperwork 3 times now this year alone to continue receiving payout on insurance. This is just ridiculous to continue sending the same documents over and over.

If I had the opportunity to turn back time and purchase LTD thru another carrier I would. I was awarded SSDI benefits and received the retro, which I am well aware of that I have to return it to The Hartford. They are making me pay back more than I received in retroactive. They are sending me to their occupational Dr despite all my medical reports and all of my records from over 20 hospital admissions within the last 2 years.

All they have done is give me the run around at this company. My rep Amber refuses to return phone calls. I have been waiting over a month for a decision. My doctor has provided so much documentation. They constantly say they are not receiving the paperwork. And then when they do receive it, they say it's not enough. They keep saying they are getting information from their own medical professionals who have never even spoken to me. They take mental illness as a joke. And they actually cause more stress which makes my mental illness worse. It's like they just try everything they can to avoid paying on the claim. I've even broken down crying on the phone with them because they really don't care!

Been receiving long term disability until they needed a review. After reviewing various doctors' recommendations saying I couldn't work in any capacity, they decided to go with "their" doctor that has never seen me. At the end of the letter they basically said, "Go ahead and try to sue us if you disagree".

I had a heart attack and stent put in. The cardiologist faxed them their form plus I sent them all the paperwork they ask for 5 TIMES. They have never returned my calls and my claim status is denied. I may lose my job over this. These are the kind of thugs that steal the income they owe you while you are critically ill. Demonic Company.

So I work for a big company and I need to have surgery and call them get the claim all set and told them that the surgery is scheduled for this "date" and will be changed once I find the correct. They just put it there for a dummy date. And then I get the call from the doctor and we finally schedule it for this "date". I call and tell the Hartford the new correct "date". A week later they cancel the whole claim and tell me I have to start over.

Have been on LTD with the Hartford since 2006 being diagnosed with Rheumatoid Arthritis Auto immune disease, Fibromyalgia and Bipolar disorder with psychosis. Within first two years, I had to get an attorney to fight them because they cut me off after the Doc didn't send in one form. I was not notified and it took 6 months & $5,000 in attorney costs to reinstate my benefits. In August, the Post Office gave me a new street address (rural) & my mail wasn't forwarded for a week and half. A benefit check was returned to them and so they promptly sent me a discontinuation letter. Mrs. ** claimed she called me three times but wasn't able to leave a message due to "a fast busy signal". I called my carrier and lo and behold, there were no phone calls from Ms. **.

I filed for my short term in the beginning of May 2019. We are now at the end of September and no monies have been issued. All you get is the runaround with these people. The one thing I did was contacted the Department of Insurance and spoke with a disability rep. @ 866-444-3272. The rep did make a call to my rep at the Hartford. Just waiting to see how it goes.

I have never had so much trouble getting short term disability, long term disability and FMLA. I have had Crohn's since 2011 and Ulcerative Colitis since 2002. I have used The Hartford for my FMLA and was constantly getting letter thrown at me to have my physicians fill out and faxed. I almost lost my job because they were not receiving the Dr's fax reports. Even though they were getting confirmation reports stating it was sent, the hartford was saying they did not receive it. I have been on STD since Jan 10th 2019 and have been a prisoner in my own home due to my condition. I only have 4 to 6 inches of my colon left and have been very ill.

I have spinal issues (disc herniation and stenosis) that have made it impossible to do my job. Both my doctor and my employer understand this and advocated for short-term disability to try and heal. The belligerent and rude staff at The Hartford made the entire process as stressful and confusing as possible, with delayed and insufficient communication along the way. And of course after weeks and weeks of waiting on them, they deny coverage. On someone who for periods of time can't walk or sit. Criminal.

If I could give 0 stars I would. We pay for disability insurance so that we can have peace of mind and get help in our time of need. Only hoping that we never have to use the insurance. Unfortunately, The Hartford is not there for their "clients" (cash cows) when they need it most. I was on leave from work due to severe depression, suicidal ideation etc. I had all the paperwork and medical records from my doctors to prove my claims. The Hartford not only takes forever to correspond with, they constantly "lose" things, or say they never received them. They don't like to return calls and they make the process very hard. Instead of finding the relief people need in their time of need, The Hartford piles on the stress, frustration, despair, hopelessness etc.

This company is absolutely horrible. They have no understanding of mental health conditions only judgments and assumptions. I worked for my company for 20 years, out on leave once prior for the difficult pregnancy and birth of my twin boys. I lost 9 months of my salary because of these scumbags. I provided every document needed, took up appts to get these things processed and even filed an appeal and got denied. Their business practices are horrific and unethical. After reading many complaints about them I’m not surprised my experience was like this. Something more has got to be done to this company for treating working people this way. Scumbags!

As an Archdiocesan employee I purchased Hartford Long Term as the Diocese does not participate in the state disability. Late September of 2018 I hospitalized and underwent an open heart surgery (cabbage). I went back to work in January, however, was unable to perform my duties, as a result began suffering of severe depression. Per my employer's recommendation I reapplied for disability insurance. I have been extremely compliant with providing with all the requested documents. I made sure that my providers did this in a timely manner as well.

Updated on 09/24/2019: After being denied for not having proof of dizzy spells and lightheadedness after surgery I submitted the medical records for it and was still denied for some reason. I'm confused by this and I still stand in not renewing my benefits with them because they are the worst and deserve no stars.

Last year I had major surgery. They denied my last 2 weeks being out of work. Now here I am out of work due to progressive, incurable autoimmune diseases and they are again playing games. I filed my claim 6/25/19 and they still have not made a decision. There is no compassion or sense of urgency. I was a manager in customer service for 10 years and they are horrible. Worst company I have ever had to deal with. They deserve a negative rating instead of one star.

My husband was off for 3 weeks on disability. His doctor recommended it. Hartford extended their decision-making 3 times, before saying he was "better" a week in. They're only paying for 6 days because according to the doctor's notes he was "doing better". He wasn't healed, he was just doing better than the last time she saw him (mind you, his doctor sent them 22 pages of notes on his situation and diagnosis). These heartless monsters denied us and the only way we can fight them is to file a lawsuit. Oh, and don't bother calling them. The people you talk to over the phone are terrible at customer service. Overall, don't bother opting in for short-term disability with The Hartford. It seems they'll only understand the most obvious of injuries. Believe me, there are many other situations for a person to take short-term disability than for a physical injury or illness.

I have to respond regarding my experience with The Hartford Long Term Disability division, And extra kudos to Dustin **, Ability Analyst. I have had 2 other Total Hip replacements and never missed a day of work. Least to say I had a hip that didn’t take, per se, and had revision surgery 1/24/19 - I’m 52 with twin 11 year old boys. My surgery in January was disastrous - corrosion - failure of connection and destroyed my connective tissue - fast forward it dislocated on March 11..

I am completely and entirely frustrated with The Hartford. The lack of communication is ridiculous. I had paperwork sent in on 6/20/19 with an email stating it had been received on 6/21/19. It has not been touched according to them since 6/28. I have called and left numerous messages for my adjuster then called 7 times last week and still have not received a reply back from anyone. What poor customer service. They ought to be ashamed. I would never recommend them that is for sure. I even left messages on her supervisors voice mail and she doesn’t call back. Shame on The Hartford.

I began receiving long-term in '15. I was approved for SSDI in '18. I was so relieved. We needed to keep long-term via The Hartford for the income. The Hartford person I was working with moved me to Permanent long-term disability and I was told this would be easier for the paperwork which would need to be updated each year. December was my year mark. I submitted all data from my doctors (4), all scans, I created a spreadsheet for my doctor appointment dates for the year as well as my medication list. I submitted all of them to The Hartford. Weeks pass and I assume all is well as I hear nothing. I'm told I need to re-submit information from my doctor because they weren't satisfied. Huh? It's the same as it's been. I saw him and he both examined me again, we went through my list of issues and then, we resubmitted. I received a formal letter stating that I must now, NOW go see THEIR doctor because they want more information.

All I can say is my experience with Hartford is stressful. If I can rate them a 0 too. I've been out of work, FMLA exhausted and Hartford don't want to pay. I had to contact my lawyer. Will come back to with an update.

Pray you never have to deal with these people. They seem to do everything to deny and prolong and frustrate your claim. Imagine being a duck and having to go through that. Their claims managers do not return calls and are condescending. Seem to know more about your health than your doctors and more about the pain you feel than you. If you deem it fitting please report them to the ethics committee. They should be investigated. I had to deal with Laura **. Not sure how these people sleep with a clear conscience at night.

They pay doctors and attorneys vs claims. Complaints to Consumer Affairs at the Hartford 860-547-7186. I am still fighting my claim. The May 10th deadline is still pending. This number is for complaints at an administrative level and they respond to complaints about this company's practices.

Caring for another with a long term disabling progressive disease, these people do nothing but harass you with paperwork and your doctors to the point the doctors get mad. What about a disease that is progressive and not curable don't they get?

Please be advised when using this company for short term disability, they will know everything about your case better than your doctor or specialist. They will know exactly how long it will take to heal a broken bone, hyper-extended ligaments and tendons better than the anyone dealing with your condition. If I could give them ZERO stars I would have. VERY POOR Company to deal with!

I have had a horrible experience with the mental health side of the short term disability portion of my claim. My behavioral clinician or whatever she calls herself (Gina) left a message for my counselor on my voicemail. My psychiatrist has sent in so much documentation stating I am unable to work due to various mental health issues. This company has done nothing but cause me more dissatisfaction of my life and made my condition worse. They do not care about you and it is apparent that they do not believe in mental illness.

I have had issues with rude people on the phone which i feel they hold that against me. I have left messages and call to my case worker (Shawn). Does he work? Seems it takes 3 weeks to a month to get paid. I guess they feel everyone has tons of money laying around to cover monthly/weekly expenses. Not including medical. I appreciate their added stress to my life.

As I read these reviews, I see I’m not the only one that has had a bad experience with them. I’ve been on leave since July 2018 from Amazon. Short term disability ran out in January. I submitted my paperwork in December for long term Disability. It is now April and after submitting a thousand medical records, calling every other day and my claims manager not returning calls, no one had straightforward answers and me complaining about my claim manager. My claim is denied because of stupid pre-existing conditions not to mention I’m a dialysis patient. This company is shady and their practices, along with Amazon should be investigated.

I'm going to say not happy at all. I'm losing my house, truck so they won't go broke. $224 every two weeks...They paid 6 months, short term. Long Term was to start and got closed because of me seeing a Doctor 3 months before my medical insurance kicked in.

Dawn ** does not return your calls, can't read a file given to her, requests the file again to delay processing the claim, and will not call you back. I went on Medical leave December 23rd secondary to some medical issues. Attempted to call her as some issues arose with my insurance and coverage to get to the MD. She closed my file because she could not take the time out of her schedule to listen to why she did not get documentation. Finally I went to a specialist who diagnosed my illness. She lied that she did not get paper work that I sent on Tuesday and claimed it was Friday and lied in her documentation despite me having a fax confirmation.

For years I had been deducted the Hartford premiums, when I became disabled due to accident, they had me going thru hoops trying to discourage me from filing, once they couldn’t, they referred me to their advocating groups BECAREFUL, they work for them, they’re trying to shake you off, this way, or to pay even less than what they’re obligated to do. Don’t waste your money, walk from this garbage, RUN, with your hard earn money elsewhere while you can.

First let me say that I have no personal axe to grind. I'm a mental health professional. I have a client who had a legitimate short-term disability claim. They jerked me around, saying they never got things, saying they needed my notes after having given them everything they asked for, etc. This company added so much stress to my acutely mentally ill client that they are probably complicit in her delayed recovery. And she hasn't received one dime from them because they suddenly "need more information", pushing her to more financial desperation. Shame on this company. They should be investigated by an ethics board.

I have been off work since Oct of 2018 and now it's March 2019. Still no payment and still in review. My case has been transferred 3 times and now going to the "team lead". I was told I would get a call today from her but, she left at 3:30. I called 6 times today. It seems you pay in and they never pay you. Just like workers comp in Florida. It's all about them. My rating of the Hartford does not even deserve even a star. They lie, cheat, steal and should all lose their jobs and everything they have.

I have been on LTD for 2 1/2 years, waiting for SS disability. I finally was approved, Now The Hartford says I need to pay back everything they gave me??? Not one time in the two plus years did anyone EVER say I had to pay them back. Nothing like kicking you when your down. They still are going to pay me the difference between what SS will pay me, and what they were paying. When do I have to pay that back??? If I knew that I never would have taken anything from them, and put up with the headaches of the paperwork every three months. Hasn't this happened to anyone else???

I’m currently about out on maternity leave due to high risk pregnancy. I was originally set my leave for February 6 but unfortunately my doctor wants to induce me today. My doctor didn’t advise me of my actual date until the week before, and wanted me to get some rest since my job was putting more stress on me than normal. I call and got my noticed faxed to them the same day for my dates to change. Spoke to one representative and was advised that an analysis would give me a call to change the dates with 24 hours.

Went out on short term disability April 26, 2018. Took weeks for approval then my pay stopped every 3 or 4 weeks before restarting again 3-4 weeks later, leaving me without any pay at all for month at a time. When pay was sent it would only last 3-4 weeks before stopping again to get more of the same dang paperwork & info that always required being faxed 3 or 4 times before Hartford would admit to receiving it, even though Dr's office had confirmed receipts showing the faxes were sent successfully.

Diagnosed with 3 autoimmune disorders, 2 spontaneous fractures, over a year of IV therapies, multiple surgeries, limited use of hands, was in multiple hard casts for foot/ankle almost a year, see approx 10 regular Drs. On long term disability, constant threats, impossible requests for forms to be filled out which require at least $40 each or separate office visit just to have Dr fill out (that they won't pay for), focuses only on the one dr that won't fill them out, refuses any additional records from any other Dr I have.

I am so disappointed with The Hartford who can take money out of my account with no clarification to the fees I would be charged when I spoke with them about canceling my workers comp insurance with them. I have been paying WC for our company since it began with The Hartford. Then I started working with a payroll company who told me it be good for me to switch paying my WC insurance with them. In doing this it ending up costing me a lot more money. So when I canceled The Hartford charged me the entire amount and with that provides no service for my company nor my employees. It seems wrong when you're dissatisfied with a company that you don't have the right to cancel.

I had a very bad experience with this company. Their customer service agents are not trained well, each time I call I got different information. I had a paid family leave claim. Took so long for approval. I do not recommend this business.

Hartford is awful when it comes to short-term disability which I have through my job. They paid me up until 9/25/18. Then got a letter that I had to repay it back because my job reported that I was working while on short-term disability. However that was the purpose of having it when my sick time and vacation time ran out. I will fight this. I'm looking at all these reviews. Someone needs to start a class action lawsuit. It will be me. Someone needs to shut this business down. The staff are horrible also.

Hartford was good for the short term. Long term has been awful. It is a struggle to get the information that they require every year. And It has been 13 years of me being disabled and they still require extensive medical records and reports from the multitudes of Drs and specialist I see every year. I have gotten worse and worse physically and the paperwork is redundant and irritating for me so I can only imagine how inconvenient it is for the medical staff to gather and send off. (I see about 15 providers yearly.)

My initial short term disability leave was for anxiety, panic, and mania induced by issues at my job, and was set to expire on 11/18 so I was directed by my therapist to submit an extension request by 11/4 - I did. Unfortunately, he was traveling so he didn't submit his required paperwork until 11/15. The packet my therapist sent in was 25 pages regarding my mental health issues, medication changes ordered by my psychiatrist, and information from our therapy sessions. You can imagine my surprise when I received a phone call from the clinician reviewing my request on 12/3 asking for even more information, including a request to sign a release at my psychiatrist's office so she can have my records from him, too.

I have been on LTD with the Hartford for about a month now. I had been told and saw so many posts on the internet about how difficult the Hartford is to work with. I can adamantly say that is NOT the case for me. I was on STD with the Hartford until that ran out and I started the process for LTD. Every single step of the way the claims adjustors returned calls promptly - or answered the calls when they were available. Each one of them took the time to explain the process, what would happen next and were so compassionate. I don't know what I would have done without the caring people at the Hartford. Yes, there a lot of forms and information needed from your health care providers but I can't imagine a review of these documents isn't necessary throughout the process and ongoing. It is so comforting to have the Hartford while I am disabled. Can't say enough good about them.

I purchased thru my employer a buy in program for which I thought was for 40% not covered by my employer which pays me 60%. First off, I only received $250.00 per week until I went back to work. Second, I asked for a copy of the contract that I signed stating I would only accept the 250.00 per week and no one can find it, my HR or Hartford. Third, when Hartford made direct deposits into my checking account for the $250.00, are they required to send you a pay stub or any documentation to prove where and when and how it was calculated? If anyone has info on this, please help me out.

I have been on long term disability since 2014. I don't know what I would have done without it. Sure they demand a lot, but they send my money on time every month. Sure they are a little difficult at times, but, they are just people trying to do their jobs. I am sure they have to deal with upset people all day. Thank you Hartford for being there for me.

I slipped on black ice in Dec of 2016 and landed directly on concrete, on my right knee. My Dr knew immediately from my x-ray I shattered all my cartilage. I've been following up consistently, providing medical documentation, and appointment updates. My knee locked completely and almost sent me down a flight of stairs, I went for a follow up this past August and the x-ray revealed I essentially have 'scraps' of cartilage floating around and I know have 3 bone spurs and am 2mm away from being complete bone on bone. I am 28, healthy, good shape, and my knee has become increasingly worsening. Due to the lack of cartilage my x-rays are black other than where the spurs are, they have attempted injections and then requested an MRI be completed as the locking can cause MCL or ACL damage.

I was approved for short term disability fairly quickly, and I’ve had to use it before, so I wasn’t expecting the nightmare that has followed. In a month I have only received about 20% of the pay I am entitled to. My first couple of deposits were way less than they should be, but I figured it would eventually even out. I was having problems with their website, so until I finally got the third person I spoke to to fix it, I couldn’t see how they were offsetting my pay by 80% because apparently they just assume I’m getting some sort of pay from somewhere else. My claim rep is the absolute worst! I’ve called multiple times, and left multiple messages, and the only two times I’ve talked to her, she answered the phone probably by accident. Not one of my messages have been called back, not one thing she said has happened.

I was contacted by the Hartford and any Social Security or benefits you get outside of what the Hartford pays you they will claim back and your back pay that you receive. They have horrible customer service and always threaten to take your disability away if you don't get doctors' notes when they want them rather than when they are scheduled by your doctor and furthermore they make harassing calls monthly or by mail.

I PURCHASED upgraded coverage from my employer to the maximum level for short and long term disability from the Hartford. Upon having a serious medical issue which almost took my life resulting in several hospital stays I unfortunately have to use this policy. Upon my first filing for short term coverage I immediately ran into faxes not being received. My doctor initially indicated the minimum time was 8 months yet not only were faxes not received again and again I have to resubmit the same paperwork every month.

I paid into long-term disability for 17 yrs. In 2013 I had a tragic accident. I broke my neck at C-2, and crushed T6 and T8. This brought my life crashing down. I am on pain medication 24/7. I have severe balance issues and severe depression. The Hartford has taken excellent care of me. At one point they even covered the cost to have my medical information sent when I didn't have the money. I can't say enough about the service they have provided to me. Without this help, I don't think I could have made it this far. I highly recommend this company to employers and individual clients.

I've been on disability since May 1st 2018 for my back. Last month my dr extended it and faxed all the paperwork to the Hartford. I received notification via text that they received it and I called to see if anything else was required. They told me "No, they had everything they needed" and I specifically asked "if you do, will you let me know?" and they said "yes". Four weeks later still no payments so I called and now my claim rep doesn't return the call. I finally call and talk to someone else who put me thru to my rep directly who then tells me that they "didn't get the required paperwork".

I paid for long term disability insurance for years and became disabled in end of 2002 from Continental Office Furniture in Columbus Ohio. In 2008 a case manager from Hartford, rude woman called me and said literally, "GFY we are not paying you. Come sue us." Zero Doctors consulted and no review of my medical status AT ALL. I am such a dumbass and an optimist, I never sued anyone in my whole life is was against my Religious beliefs as I was raised. It is now the end of 2018 and since her call I continued to decline suffering extreme hardship and no ability to pay my Drs.

I've been on disability since 7/17/2018 and still haven't received payment from Hartford. I have a very lazy agent!! He doesn't put forth any effort and keep asking for more paperwork. This is a stall tactic, if the Hartford paperwork that is given isn't sufficient they need to change the paperwork. This company refuses to pay out and will do anything from paying. I work for a bakery and I'm really hoping they will pull their account with Hartford. Both of my doctors submitted paperwork and Hartford is still claiming it's not enough!! I call B/S and it beyond my why a clinical team needs to re-review what a doctor already signed off on. HARTFORD IS A TRASH COMPANY AND NEEDS TO BE SHUT DOWN IMMEDIATELY!!!

I was attacked at work by one of my grooming clients back on February 20 2018. I now have a permanent condition called CRPS. There is no cure for what I have only pain management. I'm supposed to get surgery to put in a spinal stimulation device to help ease my pain that gets so bad. I can't function or take care of my kids without help from family let alone do my job since it affects my left arm and hand because I was tired of the no phone calls the countless emails. I got an attorney to make sure I was taken care of.

I have been paying into The Hartford thru my employer for eight years. I was born with a congenital heart condition that required 3 cardiac ablations to make my condition more manageable. These procedures took place thru 2015 thru 2016. I received short term for about two weeks thru each procedure with no problem. 2018 I go into heart failure. Spend a week in the hospital for fluid retention and organ failure. I go back on short term. It takes me almost 3 months to get back to work. I go back to work totally fatigued everyday and realize I can't do full time work. I call The Hartford. They tell me, "You can work part time and we'll piggyback your pay so you'll break about even."

If you are considering paying out of pocket for disability insurance PLEASE PLEASE DO NOT DO NOT go with this company! I have been on short term disability for about 9 months. They have denied me based on their "qualified" reviewers. They stated that he said I do not have a severe enough disability and can go back to work. He is denying everything. In fact, he just signed off on a disability placard with the DMV under the "severe disability" section. They will do whatever they can to not pay you. As everyone has stated below, they don't return phone calls, they can not answer your questions about reviews and their rationalization, you are constantly switched to different analyst, you have to explain your case and issues over and over again and They have no concern that you have bills to pay. They string you along for weeks.

The Hartford will drag claims out for weeks, submit request after request until they receive something that can count as 'deniable', to avoid paying. If they are pushed they will pay a small portion of the claim only in hopes the person in need goes away. If you plan to use this company, have a good lawyer on standby!

This company is the worst! I am glad that I found this forum, it’s true, they never return phone calls. I never asked for taxes to be taken out of my weekly payment but they were taking them out anyways (I needed the full amount to survive while I was out for the 6 weeks). When I inquired as to why my payment was lower than my previous claim from a year ago, they said that I requested taxes being taken out. I never requested that state and federal taxes be taken out when I initiated my claim but somewhere, someone decided that they should.

I have been out on Worker's Compensation since 11/3/09. I was being paid for my travel time to and from Doctor's up until 2014. Now it's been a lot of up and down. They owe me now over $3500 in expenses for travel. They will not answer my emails. I get a runaround with who is my advisor. What can I do? Of course if I don't to the Doctor's Appointments, they will not pay me & will shut my Worker's compensation off. I'm now having to file Bankruptcy because I've used credit cards to keep my car up, gas, oil changes, alignments, etc.

I have not been able to bend my wrist since 4/29/18, it is now 6/29/18. The Hartford never answers their phone, their voicemails are always full. I fax the paperwork immediately after my Doctor appointment. They put my paperwork "under review" and they have held up my pay numerous times. They do not contact my company to let them know what is going on, I get multiple calls from my company asking me what's going on when The Hartford should be telling them. All I get is the runaround and do not receive my pay. If anyone wants to get a class action lawsuit started, I will definitely be onboard.

I was diagnosed with Tracheal Stenosis in August of 2017. I had emergency surgery, resulting in time lost from work. I submitted a claim to the Hartford, first of all no one ever answers the phone! I left countless messages! You are lucky if you ever hear back from them! I received a payment on that claim in December 2017! I returned back to work on Sept 18, 2017!! I had to have another surgery on December 22, 2017 again resulting in more time off of work. It is March and I still have not received a payment. I have called almost daily, I have left countless voicemails, I am sent faxes asking for someone who knows what they are doing to call me back, that still hasn't happened. I am beyond frustrated, not only do we have to deal with illness we shouldn't have this extra stress! I AM SHOCKED THEY HAVEN'T HAD A CLASS ACTION LAWSUIT YET.

The Hartford & its “handlers” are the worst Company/people I have ever had the displeasure of dealing with. I have been approved for short term disability since Nov 3rd 2017. To date 1/19/2018 I have received 6 weeks' worth of payment. Do the math. Ridiculous.

My initial call - SO many personal questions! Like an FBI interrogation my doctors don’t ask all those questions. They lead aka LIE you to believe a claim will process and the questions are necessary to process your claim to payout while on disability. LIES. After all the questions and constant form request sent to my surgeon office so how it was deem I wasn’t eligible for payment. However, no reimbursement for the money I PAY OUT OF MY POCKET FOR FORMS COMPLETED BY MD OFFICES. HARTFORD cost me!! I would never recommend Hartford for any insurance. I wish my employer wouldn’t use Hartford but I think they probably save companies a lot of $$$. Crooks. Shame on you Hartford. Hartford would like one to think they are the only way to take time off for medical reason. Sorry MD notes still mean something! Maybe check with your legal department before you catch a CLASS ACTION LAWSUIT!

It is currently day before Thanksgiving. My claim has been "Under Review" for the past week or so now. They have all paperwork that is needed. This claim is just an extension, of a previous claim. I have been expecting to get payment from them since last week. Since this has not been paid yet, I am not going to be able to put food on my family's table for Thanksgiving. I had to borrow money just to get my sick son some medicine for his cough. I am getting nowhere with them. The only response I'm getting is wait another 5 business days. Now, since banks are closed until next week, I won't have money available to cover basic needs. The Hartford does not seem to care. I have been contacting them daily begging them to tell me if they need additional information and get same response. Which is, someone will contact you in 5 days. I am going to plead with my employer to find other benefits providers.

Do NOT ENROLL into this company. They are a RIPOFF!!! Customer Service in the claims department is horrible. You will never get to speak to anyone on the phone. You will also speak to their Voicemail... If you leave a message you will not get a call back until 4 weeks later. Maybe by that time you will be back at work!!!

Diagnosed with Ischemic Heart Disease (Dilated Cardiomyopathy, Coronary Artery Disease). Last day of reported work 9/11/2017 when transferred to Veteran's Administration Hospital Manhattan, NY for further evaluation for heart bypass surgery. Heart function was so low (only 23%) as to deem surgery bypass surgery life threatening. Pacemaker/defibrillator implanted 9/15/2017. Further invasive procedure on 10/4/2017 determined that heart bypass would not improve diagnosis. Hartford approved initial claim to 10/21/2017.

I had my GALL BLADDER REMOVED! These people denied my claim and then tell me they give 21 days or 3 weeks for recovery without the doctor’s statement. I got two weeks before they needed more information from the doctor. Then when doctor didn’t explain in detail why a GALL BLADDER removal surgery needs 4 weeks to heal they denied me. My doctor just stated my return date and didn’t go in detail but any human should know it takes at least 4 weeks to heal a gall bladder surgery. Shame on Hartford.

I submitted a short term disability claim with the Hartford whom my employer has a group policy with for its employees. I have a seizure disorder and had a seizure resulting in a trip in an ambulance to a local hospital. Apparently The Hartford has no medical staff review of the claims. Why? I have been out of work for over 6 weeks, yet The Hartford informed me that there is nothing in my claim substantiating my claim. Anyone who suffers from seizures (grand mal) knows that you don't wake up the next morning as if nothing happened, and you are in perfect health.

In a previous review of The Hartford from a truck driver who was denied to return to work by a DOT law yet the Hartford denied his DB claim, this is actually your employer and the Hartford working together. My 33 yr old husband had a stroke. He's doing mostly fine. Physically he's perfect, cognitively, not so well. First, no matter what, he's always driven big truck like a champ. He was told he had no lacking physical issues to keep him from work but the recommended time to hang out after a stroke without a seizure, is one year. There is a clause included in fine print for transportation divisions of companies that a DOT Dr's denial to return to work doesn't necessarily mean you can't do another job within the company. So if you can do another job, you are disqualified. The year recommendation everyone follows isn't even a law, only a recommendation. A good one but damn.

While checking to see if The Hartford has a history of doing the same thing as to me, I noted it was pervasive, not just occasionally that Claims Department rescinded or changed doctor/patient plans of Return to Work/retroactively closing a claim and demanding repayment; saying "Our decision based on Dr reports" and others items that have nothing to do with me. i.e. "keeping my license current" and much more. I called the Dr's office to see if he/they made the statements claimed by The Hartford reps and the written and verbal record refutes The Hartford written/verbal statements. After reviewing Consumer Affairs reviews - I believe The Hartford-Disability Claims Department is/has been dishonest with policyholders in their climate of culture where many claims are closed retroactively after a patient/doctor/ability agree on a Return to Work date, such as happened with me last month.

My husband injured himself-twice-at work last year, lower back. He filed a worker's comp claim- his employer uses The Hartford. The claim rep sent him a whole packet of information about coverage on medication, which doctors to see, etc. We contact this rep- Heather **- and ask when his benefits start. Several times we were told to re-submit his claim forms, as she did not have them. We got nowhere.

There is a culture of bureaucratic red tape at The Hartford. I advise any company that's truly interested in their employee's well being to consider other options for their short term disability benefits. The reviews online speak for themselves. No matter how much doctor's notes nor how clear they are it is never enough. My Return to Work Certificate from my company's Workplace Clinic/doctor, who is a DOT Certified Medical Examiner that I CANNOT return to my driving position temporarily.

My husband has been paying for short-term disability with The Hartford for over 15 years. In March he had surgery and just received a payment for less than $300, this week for one week. Not to mention he has to pay them out of it weekly. We were told the 30-day waiting period is not payable. Bills are piling up, as they request more documentation in order to pay for weeks coming up. This is information that they've already received. I feel this company is scamming individuals for money. I would never recommend them to anyone. Has anyone sued this company before?

After suffering months of exposure to high levels of mold that I am deathly allergic to, I suffered an extreme reaction which resulted in asthma and vocal cord damage. Hartford was the insurance carrier for the company and denied treatment for over 4 months. During that time, I had to seek (and pay for) treatment on my own. After hiring an attorney they paid for a very limited number of treatments and medications and then began denying them. They even denied them when their own physician prescribed them.

They don't care how they hurt or Treat people. I was nearly killed at work because the company said there were no underground power lines and there were and I struck a 13,500 volt feeder. They have denied treatment ordered by doctors and constantly.

I was receiving short-term and then long-term benefits from Hartford for 2 years and on January 10th I was told that my benefits were terminated because my attending physician didn't fill out the proper paperwork and return it to Hartford in 5 days. But the reason that he didn't was because Hartford sent the paperwork to the wrong address for the last three months that Hartford needed filled out and I only found out through my lawyer and they won't reinstate my benefits because of this (something that they caused and won't take the blame for it) but I know that I'm not the only one that this has happened to.

After 32 years of paying disability premiums to Hartford, they find reasons to deny my claim in order to avoid payout of benefits -- now, when I need it the most. Insurance companies are all tending this way, but Hartford is the All-In-One Leader of the Band where denial is concerned. Just look at their stats. How can these people who work there and send out one denial after another live with themselves? With the kind of pain I'm living with right now, and the information my doctors have sent to them, how could they ever come to that conclusion? It is companies like Hartford who keep lawsuits higher and help attorneys live in grand style. What a scam! Hartford, you are the worst!

My experience with Hartford Insurance has been wonderful. My Claims Adjuster is knowledgeable, courteous, and has things completed in a timely manner. She gives reasonable deadlines, and follows through when they are not met by my Doctors, or myself. She does everything possible to make sure that my claim doesn't get denied over missing information.

In the beginning everything was fine, they send out the first 3-4 weeks worth of payments just fine, then they decided they needed my medical records released from my Doctor's Office, and required ME to print out papers, fill them out and then take them to my Doctor, and then wait for my Doctor to release my information. Is it me or do they seem to go out of their way to complicate the process? They couldn't fax my Doctor's Office with these forms and make sure my Doctor has the proper numbers to fax everything back? Now they're saying my case has been closed until they receive this paperwork, my Doctor's secretary says she send out paperwork a week ago, so where is the disconnect?

I've had nothing but problems with The Hartford. I called weeks before I was suppose to have surgery and I still didn't receive my payment after surgery. Everytime I called them, they said they had everything they needed but when it came payment time they claim they needed more information and it was information they already had! Before my surgery I was out a week at the most, due to pain from the condition that caused the need for surgery. The company I work for uses the Hartford (because they employ so many people) to make the decision if an employees leave from work should be excused or not. I had a doctor and a specialist fax in paperwork to The Hartford and yet they claim they never received them even though the doctors had confirmation numbers from when they sent them. So now I may lose my job and everything I own because the Hartford can't do their job properly!

The entire experience has been nothing but a headache to put it mildly. From the beginning, I have had nothing but miscommunication and lack of professionalism. First of all, my claim was never originally processed. I was told this was due to being "short staffed," which unfortunately is not my problem. When I am short staffed at work, which is often, there are no excuses for not doing my job. In the 12 weeks of my disability, I was able to personally speak to my "claims handler" 1 time. Due to the fact that my claim was not originally processed, I had to call repeatedly and leave numerous messages that were never returned. The most frustrating part is that no one could help me except for my claims handler who never returned any of my 20 voicemails, therefore putting me in the nonsense circle.

First off I completely agree with the last review for this company. Everyone needs to do their research on this company before they sign up for any type of insurance because you will regret signing up with them. In my situation I signed up for short term disability and I was denied my claim because I'm pregnant. I am taking this issue to my lawyer because the Hartford cannot provide me with any document that states pregnancy would be a pre-existing condition that would affect my insurance. And I had also received a call from an agent saying I was approved and they would send payment as soon as possible once I get a signature from my doctor. This company is a disaster. Do not get involved with them!

If I could leave the star blank I would. They don't even deserve a one star. Worse experience I ever had in my life. I have been facing and sending forms since the beginning and every time it's a different error they say need to be corrected. My case worker Adrea ** need to work for a collection agency because she doesn't need to handle anyone personal information especially medical. She is very rude and act she doesn't care about your concern. She cut you off in the middle of explaining the situation. Every time I call I get a different response from different people. I believe I'm going to lose my job for the lack of The Hartford at Work and Andrea **. I'm going to seek a lawyer. If depression is the cause of your leave, they will make it worse, with all the headache and trouble they put you through.

I tried to contact The Hartford at work today twice because they lost my login and claim I have never been in the system plus I do not exist when in fact I just returned to work from a 3 month FMLA which they did not make me active at work. Long story short on the first call I waited 48 minutes with no reply and on the second call 66 minutes with no reply when at the beginning of both call the automatic service claimed I had a wait time of less than 4 minutes. This is totally unacceptable. If they are short handed because it is the day after Thanksgiving then they should direct you to a voicemail option.

My husband fell and was injured outside work. Went on std for 3 months during the months he wanted to work but his job did not offered modified. On the 3rd month he developed a lump on his right thigh and by March turn out to be cancer. He applied for Social Security Disability and went on LTD. The Hartford said he was not disabled enough for life insurance waiver. My husband died. How? Disabled. Did he had to be? He did not get any of the benefit that he should of received and myself been on disability has worsen my health to the point that I wish I was dead. I already suffer from PTSD and take mess and on top of that I have several injuries that prevent me from working. These people are liars and scammed my husband intentionally. Thank you.

This company sucks. I have been out of work since September 16th due to a shoulder injury. All forms were filled out. There was a minor error on my claim form, the form was corrected. The claim handler ask for my doctor's office to fax medical records which clearly state nonwork related. Denies my short term disability, which I'm getting ready to return to work. It's only been 7 weeks with no compensation from this group of unprofessional idiots. My bills are stacking up. Cell phone recently disconnected. It's the worst company to communicate with. I clearly can not see how this company stays in business. I cannot continue to go to my doctor's appointments because I have no money to pay my copay. This company is clearly rotten. If you have plans to buy into this company stay clear away. Find another. I'm sure they will do better than this company. The Hartford At Work BLOWS.

Don't let them take your SSDI Backpay. This is the worst company to deal with. They kept turning off my benefits and now they are totally shut down for SSDI backpay. For anyone else facing this, don't pay them because you will be terminated shortly afterwards. They can sue but can't take your social security unless there is more than 2 months of your benefits in the bank. They even want to know what my prior employer pensions are. I told them to stick it, none of their damn business.

Due to chronic D.D.D. and debilitating juvenile rheumatoid arthritis (since age 5) I recently had to file a claim with The Hartford long-term disability insurance. I cannot praise their professional, courteous and expeditious handling of my claim enough! The first phone call I received after filing my claim was from my personal rep., Joseph **. He left me feeling valued and appreciated!! And, EVERY phone call from him, or someone else from The Hartford, was the same way – it left me feeling valued and appreciated!

On 5/26/2016 I became physically unable to work. I am continuing to have severe upper right abdominal pain that causes me to lose my breath, makes me nauseous, dizzy headed, unable to focus, in extreme pain on my right side like I have a broken rib (but it's not). After test, blood work, and many doctors, even trigger point injections did not help... the doctors said I have a condition call "Costochodris" which is an infection of the cartilage in my rib cage. I work from home, at my computer for a call center which seeming is easy enough, however with this condition it's horrible and just breathing is extremely painful and nonstop talking is impossible let alone sitting upright for eight hours. I tried different chairs, positions, even a love seat before I went on FMLA leave to try and find a doctor to help me.

I have been having a great deal of difficulty with health issues, at age 62 I have now lost my health, car and home insurances due to the laziness and corrupted attitudes of the claim handlers at the Hartford. They hadn't received physician statement but failed to inform me of the electronic portal through which I could have done THEIR work. I am tired of dealing with this incompetent group of what I am assuming are lazy millennials drawing an income for no work. I have had to get assistance from an attorney to avoid another stay in the hospital (I would now have to go through emergency just to be seen). I want to say "thank you for making my life hell one year after losing my wife." I would like to say "thank you" to a particularly lazy handler but I am assuming names can't be mentioned. But then again I am assuming they are all lazy.

Crushed my foot in 2014. They started paying weekly benefits then stopped. They wanted letters. I got them big run around. My boss pays through the roof. Had to have hardware removed. Out two months not one dime. Bill piling up. They keep telling my lawyer they released payment. They are full of **.

The Hartford is an unkind, indifferent, heartless company. They make things as difficult and torturous as possible. They have no respect or compassion for me as a disabled individual they claim to help. They make me feel like a liar and thief for pursuing my legitimate claim, and they make me pursue it over and over by chasing after the same documentation again and again. How can they confirm my disability one month, and deny it the next?

I've recently encountered the worst business experience with The Hartford insurance company! I recently underwent knee surgery, and have been under continuous doctors care for this injury and surgery warranted. Disability forms were frequently completed by my orthopedic surgeon, as per their request and followed all company guidelines to be continued benefits via the Hartford. Regretfully, I was informed after receiving STD benefits for my injury/surgery for 60 days that the Hartford had to discontinue my benefits, while they perform an investigation to confirm if my injuries were pre-existing! In addition, I was told that this was a company policy for "all individuals" that were receiving STD benefits! I didn't have a problem with the investigation, because I knew that I sought treatment for my knee after my insurance went into effect! Regretfully, they had already closed my case, prior to the completion of the pre-existing investigation deadline!

Why are companies allowed to rip people off and cause undue stress and anxiety? Why is the Hartford still allowed to maintain a business license? The company tells you one thing and then makes up a new rule while you try to figure out the current puzzle. I've been LTD for about a year. Got them the paperwork they needed every time. Last year they decided the doctor I was seeing was not qualified and I needed to find an MD. I was 7 months pregnant with twins and had limited mobility and already worried about complications. I spoke to the rep who was the 3rd or 4th one I had had. He was by far the most insensitive. All he had to say was per policy and we sent you letters. On top of everything else, I had been searching for a doctor who not only accepted my insurance, dealt with LTD and was able to see me prior to my due date. No luck.

I cannot believe these heartless money hungry people that work for the Hartford insurance company. My short term disability was 100% legitimate and payable $99 a week on top of SDI (state disability). I called on time as I was supposed to make my claim. I was met by a monotone emotionless voice who seemed very bothered by my phone call. He took my information reluctantly and needed to call me back with their decision. Their decision?

I have a business owners policy and Hartford claims the reason for the roof caving in is not a covered loss, even though I'm having to leave these leased premises to avoid inventory losses. It's not my roof, I only own the business which is why I bought the policy in the first place. If they do not help me this small business will surely die. I am in contact with an attorney but beware, do not buy a business policy from Hartford... they will find a reason, they give you the run-around while your business dies. If you already have a policy, it's not worth the savings - if you ever really need them, they won't help you.

The Hartford is a ripoff. They have no morals or concern about you being out of work. They lie countless times. They ask for documents and say it's not what they need. "More detail" they say. The more you send the more they need and it's never enough. Endless lines of BS.

I first went out on disability in November of 2015 for a tear in my shoulder, and was out for 5 months on short term disability. Every single time the doctor put me out I had multiple problems with this company. Miscommunication was one of my main problems with them. The Hartford is absolutely horrible at sending and receiving fax papers. It was almost like I had to hold a baby’s hand thru every transaction. I've never dealt with such a horrible company in my 36 years on this planet. Yes they were that terrible!!! I don't recommend this company to anyone with an injury for short or long term disability. They're a low budget company that has no consideration for their clients. Worst company ever, save yourself the headache and go to another company because these guys have no clue what they are doing. I'm surprised they are still in business!!!

I went on short term disability because of medical issues I had and they made me pay for forms requested by them for the doctor to fill out and now they are sending me a 3rd party tax form so I have to claim the monies they paid me. What about all the forms I had to pay for them did they deduct that? Or the letter saying they overpaid me and wanted me to send them a check, did they deduct that, probably not! I only receive 66 percent of my wages and paying co-pays to all these doctors and they now want me to make a payment to the IRS for their petty monies that they re-billed me for not going to happen. I will fight this in federal court because it states that this is non-taxable money. Stating they are a 3rd party sick leave, get out of here with that nonsense. What about the premiums I paid for 8 years did you deduct that? NOPE. This company is a scam. Get rid of it as soon as you can. SCAMMERS.

Last year, the Hartford took away my monthly LTD benefits saying that I was compensated by a lawsuit award, but the award nowhere near covered my losses. So all year they have been stealing my $1,550.00 payments and applying it to what they say I need to reimburse them!! Now, these bums sent me a 1099 tax form showing that they paid me all year long when they did not!!! My wife and I are both on Social Security disability and this will cost us over $800.00 on taxes that we do not have. The Hartford is a evil and greedy company. Avoid them at all costs!!!

I have paid an extra amount for a buy up of 10% and have been denied that amount because the company says it is a pre existing condition! I made my first claim of any kind in October of this year. Every week that I have been off work I have either had to have my doctor fax paperwork of some sort or I have had to call the Hartford about either my claim being stopped (by them not my doctor) or about why my check was a different amount (always lower) than it had been. The whole process has been a nightmare. I feel right now that I would rather be on my deathbed than have to ever deal with them... and you can be very sure that next year at signup time for my company I will NOT pay for the extra buy up because they will always say it is a preexisting condition so they do not have to pay you. Worst company ever... wish that there was a way I could get my company to change to the duck!!!

I will be 100 % fair in my assessment of The Hartford at Work. They paid me for a couple years, but without me ever understanding, The Hartford is denying full and promised LTD benefits. I believe they scam individuals who seek to cover themselves in case of disability. They did me, and their failure to pay as the LTD was sold me has forced me into bankruptcy... So much for trying to plan and do the right thing.

On behalf of my friend who had proof of his disability and was denied and struggled for months.. If you were denied for a viable claim, contact them again if they have not already contacted you. Friend was just informed that two employees working for Hartford were fired after intentionally denying numerous legitimate cases and even closing cases without consumer consent. Finally these individuals were exposed. Contact your rep and communicate with them AGAIN. My friend's company used Hartford for a disability carrier of a New York business. Were you one of those affected? Communicate with them again and ask to be reevaluated!

In January 2005 I filed for long term disability benefits from Hartford insurance company. My claim was denied. Customer service was horrible!!! After filing my claim I had called to get an update on their progress to find out that the claims representative was on vacation! My claim was moved around to 5 different claims people!!! It took 3 years to get 2 checks and have my claim closed. The disability is a weak heart!!! I still fight today for my full benefits!

The Hartford short term disability inn is joke. Don't waste your money. They're way too happy to take your money. But when something happens and you need them they drag it forever. They want paperwork from the doctors when they get it they say they never received it. I've been fighting with them for 3 months now and have gotten nowhere.

Applied for Short Term Disability, was denied, appealed it, and was approved for about 4 weeks because I had some vacation pay that was counted. I then applied for Long Term Disability, they approved it for 4 days and closed the claim. They said that there was no documentation to support. WOW, I requested the paperwork that they had reviewed, it came ups, and the box weighed 8 pounds.

I have sent in so much stuff and my rep. keeps saying that I filed for my heart, now I am telling them about the memory loss. The memory loss was all a part of the claim. Then they say the Dr. did not give me my walking limitation so that is why they denied me. What does walking and standing have to do with my brain issue? I am so confused. They still have not paid me or started to pay me. The rep. have always acts like she will help me but always acts like I am telling her something new. I still can think, but I cannot focus or concentrate for long periods or figure out things to run my business as I did before. I think the wait so long so I will cancel them, and then they can say I have no coverage. Help, if anyone has a good Michigan lawyer.

Customer Service is non-existent. I had surgery on 9/14 and reported it on 9/14 just as I was supposed to. Then they waited until 9/22 to mail the forms to me to fill out to release medical records. These forms were received through the USPS on 9/29 (2 weeks after surgery). I sent all of my paperwork in on time then it took them (Daisy **) one month (10/15) to send my primary care DR the form requesting my medical records. Which by the way had nothing to do with a hysterectomy. After many calls to Hartford asking what else they needed to make a determination, they were still missing medical records. I made trips all over town gathering my own records and paying for them and paying to have them faxed to Hartford. All the while they are sitting there doing nothing.

My girlfriend had a hysterectomy. As instructed I called the day of the surgery and when she got out of surgery to verify that the surgery had actually been done. Claim number was set up. All fine. They said they would send a form so they could get the records. We dutifully filled out a release for the hospital and OB doctor. They waited 2 weeks to send the form snail mail. It arrived in 3 weeks. The doctor's office took 3 days and mailed the records. It was now 4.5 weeks out (and she was back at work).

I was placed on short term disability following my employers required annual physical. I was given an application for LTD through Hartford. After being accepted they required that I apply for Social Security disability benefits. After being finally approved for them I paid back Hartford the back pay from Social Sec. 37K. They sent me a letter dated four days before they got the money and I received it three days after. It said that I could do any number of jobs and that I needed to go back to work. They were supposed to pay the difference between Social Security and 60% of my pre-disability wages until retirement.

Hartford has turned me over to on "professional" ad nauseum. I have been told I was sent one letter after another. I am in the process of moving and found one. This was sent while my wife was suffering a horrible death in the hospital and I was spending almost every night with her. I have made their inane and greedy interview with SSA. Thanks for your "compassion" you liars and leeches. I now have less than 900.00 to live on, surrendered my insurance and my physicians will no longer see me. I hope you teach your staff to do their jobs and I hope you're expected to desert your loved ones as they lay dying. You disgust me and my attorney.

I was hurt at work, the Hartford started paying. I have been informed now though, that I have to pay them back with any retro I might get from SSDI. How is that right? What was the money coming out of my check every week for? I could have just taken out a 14,000 loan and not had to go through all the crap I've had to go through with them.

I had heart surgery in April and have not received a payment since. They keep saying they are waiting on my medical records. When in fact my medical records are waiting for them to get off their ** and pay for it. I call everyday and get a different story and never any straight answers. Most shady ** ever and will not recommend them to my worst enemy. In the meanwhile I have lost my home and is homeless because of their carelessness. Thanks for nothing.

I purchased inland marine coverage for my restoration equipment. My restoration equipment was stolen and I filed a claim. An adjuster and investigator came to location of theft. Immediately they made me feel uncomfortable with questions that to me didn't make sense. I ended meeting by telling them to call my attorney. They left. I then about a week later got a letter from Hartford saying that my claim was denied and they were canceling my policy from the first day I bought it. Then they sent me my premium back.

I am off work for 4 1/2 weeks from having surgery. The Hartford cut off my std 12 days before I'm supposed to go back to work. Despite the fact my Dr. put a specific return to work date on my FMLA paperwork due to the nature of what I do, they still deemed me as no longer medically disabled and closed my claim. So I am going without pay for almost two weeks, what am I paying for again? This company does not care about it's customers. Would never recommended them to anyone.

I was on short term then long term disability. I was permanently disabled after 2 car accidents. I had neck and lumbar surgeries that never healed. We played fax the doctor notes over and over. Constantly threatened that benefits would be terminated. Scheduled an IME appt. for me at an out of town Dr. I drove for 2 hours trying to find it and never did. I drove home unable to move my neck or feel my legs. This company likes to play games and torture people until they give up. I can't do this anymore because it's too stressful. They don't care about anything but money. Good riddance.

This is the worst company I have ever dealt with. They lost my medical records because they spelled my name wrong and had the wrong claim number on my paperwork they had submitted to my physician. Fortunately the receptionist at the physician's office noticed the error. Their error, but they refused to expedite claim. They apologized, but I will have to wait. Their apology doesn't pay the bills. Poor service!

Has anyone out there been denied long-term disability after seeing a doctor named **? I believe he is paid by the insurance company and they said he's an independent medical review - there is nothing independent about it. I went to company I have never seen in my entire life. Be very careful of this company, all they want to do is take your life away, they are not giving quality. What a scam this company is.

Went on SDI in March. I've turned everything in on time and even went out of my way to get my medical records and doctors notes for the Hartford. They first sent all their request to the wrong fax number, then they made me get my medical records for them, then made me get my doctors notes for them, then I gave them all the correct numbers to get a hold of Kaiser SDI department. Then Hartford tries to be sneaky and send paperwork straight to my doctor who won't fill anything out so that paper was shredded. I spoke to numerous people at Hartford and told them to stop doing that and send the papers to the numbers I gave them.

I had STD with Hartford, we have to pay for this ourselves. All of a sudden they closed my claim over a month ago, stopped payments. When I call to see what the problem is they send more forms to have filled out at my cost and still no payments.

I was on LTD for seven years with the Hartford. Then after seven years they sent a spy to check me out. This person videoed me for a total of 12 minutes. He/she saw me going to and from my car and followed me to a gas station. They determined by this person as well as their doctor that I was no longer disabled. I have had scoliosis since I was 12. I am now 60. I have severe arthritis in my spine as well as the beginning of osteoporosis. Their doctor took no X-rays just said "she is able to work." They stopped my disability in August 2014. I have an attorney to appeal this but 10 months later I still have no decision. They keep getting extensions for further review. I have no income and forced to borrow money. I just wish we had some rights. The Hartford can do whatever they want and we are at their mercy.

Applied/joined Hartford around Jun 14. Requested to pay premium yearly and rep approved. Declaration Page/Insurance Cards state Expire date is Jun 15. Discovered by accident around Apr 15, client was cancelled. Hartford said premiums were not paid in December - True. VISA was only charged for 6 months instead of agreed on yearly premium. Client received no mail from Hartford that premium was due. Client not allowed to pay balance BEFORE the expired date. Client credit rating is over 800 on all three major Sources. Client had Car Insurance for 40 years - never cancelled.

I started out on short term disability which eventually ended. And I was then on long term disability and was found unable to return to work and not able to work at all. I was told I had to apply for Social Security Disability. I had to pay a representative. Today, I got a call from The Hartford asking for their share. I paid a premium for coverage. Now I have to pay them back? I was awarded backpay from SSD OF $25,010. $6,000 was paid to my rep before I even got any payment. I still haven't! Now I'm told I have to pay tax if backpay amount is more than $25,000. Yup, it is $10.00 over. Something smells rotten!!! Now The Hartford gets money back. I pay taxes on whole amount and I could end up owing more money and not getting any! Is this really legal???? The judge found me disabled by 24 diagnoses. I have been in this process since short term to permanent disability for 3 1/2 years. The whole process seems rigged!!!!

I just had my field interview with Hartford who was a former police officer. First never let them in your house. Do the interview in a public park. Beware they will tape the interview. Also they won't tell you they are video taping you at the interview. Never sit the entire interview. In fact get up and stand at least 2-3 to stretch legs. Keep in mind if you claim you are in pain you better have the medication to prove it. They will request a pharmacy list for the entire year. They are sneaky with the questions like what do you do all day? First answer every day is different so I really can't give an answer, due to pain level and taking naps. Never say you do any housework or cook or clean. They will act like your friend but remember the field rep job is to get you cut off from disability.

I had put in money for a STD and LTD through my employer for 9 yrs. I became disabled in 2012 with a cervical neck injury. I couldn't move my head from side to side, I would get extreme headaches and was in constant pain. I went to a neurosurgeon that said I was not a good candidate for surgery and that I would "just have to live with it". I was initially given the STD for a few months then it stopped. When I had to go on STD, I could no longer afford to pay my rent and other bills so my son and daughter-in-law told me to stay with them, I did. They had been sent to Germany because my daughter-in-law is in the military. I informed Hartford that I was moving over there. They said that's fine, just make sure you keep sending the forms from a doctor over there.