The Hartford Disability Insurance Reviews

I jumped through hoops to comply but no response. I called twice and got a supervisor’s voice mail saying I want to appeal. No one returned my calls. I asked them why did they pay me from 4-05-09, till 05-05-09 and not pay me till 6-01-09. They stated I was not in compliance because I did not give them access to my medical insurance provider; they wanted to search back into my personal records. I said that is a privacy issue. My surgeon and family doctor gave them what they requested. I also feel this is an issue with HIPPA/OCR.

I have been trying to recover and all they did was cold and rude. I am 60 years old and this made me depressed and discouraged. I pay through Susquehanna Bank of PA for my STD. I feel I deserve what little they should pay me. I thank you very much.

Also, my policy states I must have the same type of job and be guaranteed to make a minimum of $120,000 a year or I am still disabled. Also, according to their own job study they did on me, they stated my occupation was an FC for financial consultant. In order to be one, I have to have many NASD and Insurance licenses, all of which were terminated in the last few years due to being in one surgery after another and not doing my continuing ed because I am totally disabled. If there is anyone out there who has experienced the same or similar conduct of bad faith practices, breach of contract or torturous interference, please email me as we are preparing a class action case against Hartford and also trying to get Mr. Bill O'Reilly to take an interest in what Hartford is doing.

To top it all off, Hartford just got approved for TARP money. Everyone should call their Congressman, Senators and the like. Don't forget to get your local papers involved. In Hartford, the local newspaper is the Hartford Current. Email me at ** if you have any whistleblower emails that are damaging to Hartford's bad faith practices. Thank you. Please send me any internal Hartford email or inter-office memorandum that states or implies to cut down the number of claimants. Send me everything. I will get it to where it needs to go. Also, I hope everyone in the country boycotts any and all Hartford products. What they are doing is nothing short of criminal. Turn them in to your states insurance regulatory entity.

I am in PT right now and my current insurance has expired as of May 01. Hartford has denied my claim stating my fall was no fault of the employers. My employer terminated my employment after working there for 5 years stating, he would have to find a replacement for me as I was coming in too many times late from PT or calling in sick since the fall and I cannot receive unemployment benefits, as he filed a complaint of gross misconduct due to the many complaints of my being late.

I was late at least 3 times in the past 3 weeks since trying to return part time. I have severe headaches and neck pain and shoulder and back pain which was slowly getting better with PI but now, I have no benefits as of May and I cannot pay out of pocket since I have no income. I went from making $27 an hour to zero. I am now living on my retirement money and trying to apply for social security benefits and trying to replace my current health insurance. It would cost $450 a month to keep it. I cannot afford it. I do not know if I should pursue this with attorney or not, still deciding and probably will.

I have contacted Support Enforcement in California which is where he resides with his Mother and this is where we were Divorced and they state that Social Security is a separate entity and has no basis on what I pay as far as support for him. However what I receive from Social Security is considered income and is used to base what I pay in Support as well as what I receive from Hartford. So I ask why is Hartford holding me responsible for what he is receiving from Social Security. What is wrong with our system?

Our finances without work need all the help we can get. Our claim is only for about 700.00 but we sit with no income and no payments from our insurance policy.

I then called them to verify that they had received everything they needed and was told yes, it would now go up for review. Called regularly to request the status of my claim, often not getting answers as per their policy which a representative on the phone told me was that they are meant to call you back the same business day if you have left a message on the voice mail which I always did. Finally a young man pulled up my name on his computer and said he could see all the calls I had made and was going to email a supervisor about this. In a short space of time, my analyst called me and informed me that my request for my benefits to be extended had been denied. Firstly I don't understand how these companies can totally ignore anything that my orthopedic surgeon had said.

My job requires me to be on my feet my whole shift, constantly bending and stretching...... My restrictions are limited walking and standing and NO bending or stretching. To cap it all I am still having to use a cane to walk....how can I do my job. There is no other job within my company that I can do with these restrictions. My hip was not cemented in and failure to follow my surgeons orders could result in my popping my hip out. I know I can appeal but I have already been without my money for 3 weeks and cannot afford to wait for the appeal process.

They have tied my hands behind my back because if I go back to work against my Dr's orders. I cannot appeal and should I get hurt my medical insurance could refuse to pay for any further treatment. On researching over the internet, I was amazed at how many complaints have been made against this company for the same kind of problems that I have had, surely somebody can do something about this. I have already contacted the NY Insurance board about this and filed a complaint but what to do about money in the meantime. Please note should anyone need to file a complaint to them the website is www.ins.state.ny.us. It seems to me that The Hartford are more than aware that many people cannot afford to wait for an appeal and in desperation return to work against the advice of their Dr's which in turn lets them off the hook.

I was videoed for 6 months 4 DVD's worth showing me shopping and working in my yard. Yes they will be watching. I won every termination due to amount of paperwork I kept and answered all termination reasons in my appeal with doctors backing my claim with their letters as well. I also had to return $16,000.00 back to Hartford that I received from Social Security as Hartford stated I was overpaid. I am totally disabled by Social Security as well.

I believe why Hartford settled was I found out my company pulled 100,000 policies from Hartford and at that time I was videoed - terminated and when I was going to bring this up in court I was offered a settlement in 2008. Hartford tried to come to my house, I refused. LTD CANNOT be trusted on anything. Keep all paperwork of illness/meds/doctors and be sure to inform doctors that your LTD carrier will try to change their minds/or fax letters to sign in LTD favor... been there and done it. ERISA gives most all the benefits to big insurers policyholders get the shaft... Good luck to all as the last 10 years were hell on earth to me and my family.

My house may go into Foreclosure and I am a single mother and if I do not heal soon, I may not be able to return to work. I need them to stop harassing me so that I can get better!!

The Doctor released me to lite duty, i worked for a week or so and i could not take the concriete floor and the driving, So i went back to the Doctors and got a excuse to be off, The same day they called me and let me go. My credit cards are maxed out and my girlfriend is also out of $, I used her $ to. I havent paid my child support in 3 months. I look like a deadbeat to my x and my girlfriend is going to leave me if somthing dosent happen soon.

Hartford insurance has paid my medical bills but it takes forever. I am still in pain, my back and neck are worse. I am suppose to get a steriord shot for my back but it will be 1 week and 2 days. NO money and still suffering. I have talk to a lot of people and they have never heard of it taking so long for money and treatment. People are tired of talking at me, This has taken over my life and stressed me and everbody out. Why is the system so slow. Is it because of other jerks taking advantage of the system. This is so unfair.

So they told me I owed 96.00x the 5 months plus owed the money back they had paid me for my daughter,because SSI was paying her now. So now I am having to pay everything back that me and her got back pay from SSI,Plus another 2,000.00, because they said I didn't tell them all these things, when I know I did. They also put my first electronic deposist in someone elses account because of mistake in the bank account number which they got wrong.

I just don't think when you pay disability insurance for 14 years thinking they are going to have your back,so you want loose everything you got. They get your money all those years, then pay you a couple months making you think they care and then you end up paying almost as much back as you recieved from them. You would be better to take what money you paid a month and put it in your on savings so you will have it to fall back on. Hartford sure want help you in hard times.They take your money and you will never get much of it back.

I am her husband, and I am trying to get this out and help her..Now she has depression and has to see someone for that also and takes about 4 different meds. It just doesn't make since that when you need help the most the Hartford just don't care.

The other company for her social security benefit did recieve records because they mailed a letter to them not fax one. The other company sent me records of one visit they had from this year and they had not requested the rest for the year. when I faxed that to them they said it was not enough to open up the claim.And that they would send it through they appeal process. to see what happens with it.

But her adjustar has been real rude to us about it being our responsibility to get all med. records to her. And my daughter have memory lost after her seizures and she sleeps a lot she have had upto 8 seizures a day and she will be like a rag doll she just flops.she have 2 kids and I have to raise them. Hartford said her LTD disability will last till she get 65 years she is now 28 years old she worked on her job with having some seizures and my other daughter worked there also she worked from 1998-2005 and she was having them back to back till when I drop her off at work I would have to come back and get her and sometimes bring her clothes because of a accident she had. She started on short term in 6 mos. went to long term and this was it till JUNE 2008

My daughter was having two to three seizures a day and now it is gone back up till about 8 daily her brain is in a strain with that many in a day her memory is very bad she's very depressed we have no income but my social security and I have her two children and three more of my grands live with me.We have been trying to find agency to help pay some of our bills but we have not found no luck with it she applied for medicaid but its unknown if they approve it are not we are unsure how we can pay our bill next month and its a shame to have someone do anybody this way Government or Attorney General does nothing about it.

Due to economic hardship. I have retired. I am in need of the penison I am entited to. I put in many hours of labor that entitles me to benefits due at my time of need. The Hartford Insurance Company has not service me justice. The consequenes that I have endured are aniexty, depression, and mental stress trying to get justications of getting assess to my pension.

They are denying my claim. I submitted paperwork from wal-mart stating that they and their doctor claim it is not a work related injury, that is not sufficient enough because I had an independent medical evaluation done by my attorney's doctor stating it was work related that it opens the door for future possible worker's compensation monies, therefore the Hartford will not pay my insurance, but if they would pay my insurance then I am required to repay them any monies they give me if I receive worker's compensation or if I file and am awarded Disability.

This has put me in dire finacial straits. I went from having a good job and what I thought was finacial security (i.e. insurance) to living off of food stamps and my girlfriends disability check. I am about to lose my house, car, and everything. I was never told when I signed up for Hartford insurance all the restrictions, or I would never have joined. I paid this company for security and I have to rely on the VA and the state instead and the Hartford took my money.

When I was talking to someone from Hartford on the phone, they told me that I would qualify for the short disability only if I have left my work two weeks before my due date. Even when I explained them my health problems that were affecting my baby and me, and faxed them over appeal letter, notes, and letters from my doctor, they still are denying me.

I dont know what to do anymore. I had no money to cover my hospital bills and no money to pay my health insurance. Therefore, I had no choice but to quit my job and get free state insurance, so I can take my baby to her doctor visits. I still have to money, I defiantly can not afford a lawyer to help my with this situation.

Upon receiving Long Term Disability, I receieved a letter from the Hartford telling me that I had to apply for Social Security. I was also told that the amount I received from Social Security would be deducted from my disability. I told them that this was not the benefit package that I signed up for and showed them that this was not in the policy handbook that was given to us by ITT. I was told that this agreement was between the Hartford and ITT and that it was ITT responsiblity to tell us about this agreement. I again asked why wasn't any of this in our benefits handbook in which I received no answer. After receiving my transplant, my condition got worse and I had to have another transplant.

During this period I started receiving SSI. When I reported my SSI income to the Hartford, they said that I was overpaid and they took my entire disability payments. Currently I donot receive any disability at all. I was told that I will not receive any disability payments until they recoup what they consider was overpayment. I asked about an appeal process and was told that there was no appeal process. I was told that there decision was final and that there was nothing I could do but accept it. I then requested a copy of the handbook that stated this. I was sent three copies of the handbooks that was passed out by ITT.

Finally, upon further prodding, I was sent a copy of their proposed handbook which is clearly different and spelled out in detail the benefits. I cannot understand why we were led to believe we were getting one coverage, while in fact we were getting another. I was told that any income I receieve will be deducted from my disabiility. The purpose of my purchasing this insurance was to make sure that I would be able to take care of my family during my time of illness.

Due to the fact that they have now taken all of my income, the stress alone has caused me numerouos health issues. I have problems sleeping at nights. Im in jeopardy of losing my home. I can't even pay for my medicine. Currently I take medication for high blood pressure, diabetes, cancer, neuropathy, and my doctors feel that I am depressed. How can they just take every dime that I paid for. Im paying for an insurance that I am not getting any coverage for. At this moment right now I have 5 Prescriptions that's at the pharmacy right now, that I need to take but I don't have the money to pay for them. I struggle to make doctor's appointments because I can't afford the gas to get there. I have to see at least 7 different specialists a week.

Battling this Terminal Cancer is hard enough without having to fight with Hartford Disability for something I've paid for. Please, please help me get my disability restarted. This is totally unfair. I have testimonials from other clients who have gone through the same thing including a former worker for the Hartford that was told the same thing that I was.We were told that we would receive 60% of our income and I think that the Hartford need to honor it's agreement. My wife has Power of Attorney over all my affairs due to the nature of my illness and has full rights to act and make decisions on my behalf. The illness that I have is Multiple Myeloma.

But things changed. As I read these comments above I see a lot that was done to me. They harassed myself as well as family members and especially my 72 year old mother. They (the PI they hired) parked right in front of her apartment with their lights on with them set right on in the living room. They just sit there. Watching to see what time we went to bed and what time we got up.

Folks, ALL I GOT TO SAY IS DON'T BELIEVE A WORD THEY TELL YOU. They sound so nice over the phone but.... The examiner they had come out to the house also took everything I said out of context. He worded it to fit what he needed me to say. The PI's lied on about 80% of the report. IT was after this I knew I could not trust them 1%. In their termination letter they stated many false accusations and used these to terminate my benefits the end of the year. WITHOUT ANY NOTIFICATION, until it was said and done.

I hired an attorney, who wasn't even an ERISA attorney. I should have used an ERISA attorney. I spent $6000 on fees, including hiring a Vocational Rehabilitation Specialist that works for Social Security, yes FOR social security. His jaw dropped when he went through my file. The insurance company said out of 13000 jobs, they found 3 that I could do. Strange thing, no one knew what those jobs were. But they did pay the required amount to satisfy my claim defination of disabled. So they said I could do those jobs. Unfortunately, who is going to hire someone who is taking 13 different types medication especially 200mg Oxycontin a day. I would most certainly be a liability. I believe The Hartford terminates claims knowing that the customers can not hire attorneys because they cant afford them. I had 3 doc's at the time stating I was disabled. But they got some Hired Hands to review my records, and not even meet me, and determine that I was in fact able to work. My benefits were terminated without warning. And if you are on disability you know it comes at a price.

I appealed their decision, and according to ERISA they can request yet ANOTHER 45 days to make up their minds. Which is exactly what they did. Causing me even more hardship. My credit was ruined, I was homeless and like many other I though seriously about SUICIDE. Folks, I think that is exactly what they want us to do. Get rid of us and they don't have a claim. I think that once you have been approved for Social Security Disability, they should be a limit as to what they can do to you after that.

thay were supto to help me till age 65 thay even offter me i think over 40,000.00 but i need the checks over the years and i decline the 40. so thay say i could work and cut me off .if i cant work ,i cant belive tay can take me checks

They videotaped me for four days, without my knowledge out of 18 months out of work and decided I could sit for 8 hrs a day even though my blood pressure drops while sitting, my face swells, my heart will race, the same symptoms I get while standing or walking. My cardiologist documented all of this and explained to them I've had episodes in her office while sitting but they don't care. I just received a letter that they cut off all benefits, including what health insurance I had left for the next few months. Now I have no income, no insurance for myself and daughters and don't know where to turn. I don't see how they can do this to people and put their lives at risk. I now face the possibility of losing my car, my home, etc. How can they get away with not listening to the doctors who have been treating you?

I am now losing my monthly income and insurance benefits for myself and daughters that I should have had until August. My illness gets worse with stress and I have been a mess since all of this. Because they don't understand the autonomic dysfunction and everything that goes with that, they decided I didn't need the benefits and could work. I risk losing everything I own!

I have a son with some major Medical Problems. Due to this, I cannot get my bills paid and all the needed care for my son.

Now they are saying I received my policy amount from workers comp and they will not pay the claim. I purchased this insurance because I wanted to make sure I would be able to cover all my bills in the event of an injury at work. Is there something that can be done about this? I would not have purchased this insurance if it was stated on the application I filled out that they would not cover me if I received worker's comp because I know they will pay me max benefits.I have been stoned walled throughout this experience by the Worker's comp adjuster and Hartford insurance adjuster.

Once I got everything to Hartford it took them over 72 hours to make a decision, and again I had to call them to find out that they were denying me. Their reasoning was that I had a 5-day lapse of no work before the doctor placed me on leave. But, the reality is: I did not. The week prior to being placed on leave was Thanksgiving week, I had Wed. off (pre-approved by my employer for my mid-pregnancy ultrasound). Thursday was Thanksgiving, and Friday was a paid holiday for my employer. I have argued this and have been told that I can appeal once I receive a letter from Hartford with all of that information. However, here I am a week later and nothing.

I am set for eviction in one week, my car insurance has expired, I cannot afford diapers for my 2-year-old, and am now 8 months pregnant and without income.

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

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

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

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

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

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

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

However, on July 25, 2006 Hartford terminated my LTD benefits knowing full well I had a follow up visit scheduled for July 27, 2006 with my surgeon. I worked full time hours through Aug.3, 2006 at which time I was taken out of work by my Internal Medicine doctor secondary to the Epstein Barr Mono Virus. Even though my surgeon did give me permanent reduced work hours after my visit to him and was taken out of work by my Internal Med doc, my benefits remained denied.

I was approved, and received benefits, after retaining counsel. However, in the 12 years of receiving benefits, Hartford claims I can return to full time employment. Every 2 years I am photographed, followed and minutely examined by their doctors and henchmen. I must pay an attorney thousands of dollars each time.

Every year they pour through confidential records to find even the slightest discrepancy. If I say I can walk for 45 minutes, they jump and threaten to stop benefits if I've walked for 47 minutes. I am a puppet on a string.

I am under an increasing load of debt; Hartford pays no interest and no penalties when stopping my benefits for up to 8 months. I incur attorney fees. I can never get out of debt. The last doctor (IME) which Hartford sent me to hurt me so much during the examination that I was bedridden for over a month. Hartford knows I can't fight back.

This is insane. Why isn't anyone fighting these people? Is it because there is no federal law protecting us? Do we, like Judy, rely on our own state's laws, which may or may not cover us? My moving to another state (other than CA) with less stringent state laws, has resulted in an immediate investigation of me by Hartford. I can't move out of state because of the threat of being booted off my disability.

Incidentally, I also have SS disability; the federal government has stated I'm 100% permanently disabled. Hartford won't accept that. Read Ray Bhouris' book.

Initially the Hartford granted my request for disability payments but for only two years under their mental disease exception. During those two years I went to the Mayo Clinic twice in an attempt to find out what was causing my symptoms. The Mayo clinic referred me to Oregon Health Science University where ther diagnosed my condition and notified The Hartford of my diagnosis. The Hartford then granted my long term disability and paid the contract disability payments through June of 2007.

They then dropped my claim with a long bogus explanation that did not include any reference to my primary diagnostic condition or physician. I plan to appeal.

This discontinuation of my long term disability payments has reduced my income by 60% and will eventually eat up all our savings and we will lose our home if the payments are not reinstated.

Hartford paid me for my disability and according to them after my 36 months of payment my condition miraculously improved so I coould return to work. However, they had my doctor's statements as early as March of this year and paid me after that for several months. Then, when my 36 months was up, I became able to return to work. I would love to go back to work, but everyone says I'm a liability. I even tried to get health insurance and was told by several major insurance companies that I'm a liability and unable to be insured by them. I just don't understand when my employer told Hartford that they would not allow me to work on narcotics and they allowed me to get my disability payments, how all of a sudden now I'm able to work. It does not make any sense to me.

I can't afford an attorney to fight them and after reading other peoples complaints I don't think it would do much good. I still get my Social Security but it is putting a financial bind on my family and we will probably lose everything that I worked for when I was working because of this.

On my application for long term disability benefits I did report that I went to doctors appts and to the grocery store, I have two children. After the first surveillance of two days Hartford had me on video moving my vehicle which was for about 10 seconds. On the second surveillance, which lasted three days Hartford did not get me on video the first or the third day. The only day they videoed me was the days they scheduled a functional capacity evaluation. Hartford also reported me to the Ohio Department of Insurance for Fraud.

I represented myself and filed a claim in Federal Court against Hartford. I won the first case. Hartford then appealled the court decision and I also won the appeal. Financially Hartford has ruined me, my home was in Foreclosure, my children were without electric and we have all suffered tremendously. But I am not through yet. ERISA law needs to be changed and I intend to do that.

This is called making money off of an associate between Walmart and Hartford Insurance Company and not providing this quote great Benefit. Plus they say this is a Walmart policy. In February I started getting huge blisters on my feet and ended up in the ER to have them taken care of. I am a diabetic but have never had any problems with my feet or legs. My doctors told me I could go back to work in a week but that I was to take a break every two hours and elevate them, which should not have been a problem as an assistant manager I have plenty of paper work to do and therefore this would not have to be considered a break.

The general store manager had no problem with that, he appeared to be glad to have me back (BTW, I have used only 1 sick day in 10 years ); however, as soon as he would leave the co-manager would not allow me to do this. The minute I sat down she would MAKE me go do something else. Within 2 weeks I could hardly walk and the pain was so bad I ended up at a neurologist. At first, he'd thought I would be able to get back to my job within 6 weeks but as of now he has me out until September which will make 7 months. I have had physical therapy, seen the podiatrist, bought home medical equipment and done everything that they have all told me do. Hartford denied the claim, saying that neuropothy was a pre existing condition because everyone who has diabetes will eventually get neuropathy in their feet. When I questioned them about the information provided to them and by what doctors, they had my sleep study doctor down as saying that he had seen me for the diabetes.

Thank goodness for my wife's health insurance though her employer. I have been on hers ever since she was able to pick it up. My salary continuance ends in 2 paychecks. I don't know if I can file for unemployment with the doctor's restrictions. I have not been idle while out on leave, but finished completing my paralegal degree that I have been working on, along with taking advantage of free computor courses offered through our local work force. I'll never be able to go back to a stand up job, the nerve damage is so severe that if I am on them for more than 10-15 minutes I have to find a place to sit down. I don't want to be out of work, I am only 43 but I do need to get over this hurdle without falling through the cracks.

I was orginally to be out of work from March 14, returning to work on March 20. Unfortunately, due to complications from surgery, I did not return to work until March 28. The doctor did not release me to go back to work until this date. When I called Hartford to indicate that I would be returning to work the next day, March 28, I was told if I had time to call the doctor's office to get my doctor's visits office notes. I was told it was not necessary (just some extra assistance from the patient side) as the claims administrator would ensure all necessary paperwork for the additional time off would be collected to process these extra days.

I am scheduled for the same type of surgery tomorrow, April 18, to correct some problems that resulted from the first surgery. The Hartford Group refuses to re-open my claim. They stated they never received the attending physician statement or the office visits notes from the first surgery. I told the customer service rep. that I was told the claims admin. would take care of that. Now I am being told that this was my responsibility to take care of. What is Hartford getting paid for???? This is their job to do!

I am now going to have to spend the time off that I have after this second surgery on the phone all day playing the telephone game with my doctor's office and Hartford. So much for recovery time! Hartford Group is pathetic! They are paid for a service that they do not deliver on. In fact, the customer service rep. told me an analogy about when you have a car accident, it is your responsibility to take care of all the paperwork and calls to get a claim paid. I corrected her and stated that , 'Yes, that is true if you have a lazy insurance company!' Anytime I have had to file anything for my car, my insurance rep. takes care of everything. He has even told me several times when I thank him for the awesome service, 'Mam, that is my job.' I wish Hartford would get the hint!

I am going to raise a big 'stink' with my employer when I return from leave again about Hartford and their pathetic service! My employer always bosts about what awesome benefits they have. If they want to stand by this, they will drop Hartford as their short-term disability carrier.

The time off from March 22-March 27 is being paid from my accrued paid time off that is really meant for vacation time. The time off for my second surgery will come out of my paid time off as well. (Which I am running out of... guess no vacation for me this year!)Hartford should honor the extra time off from the first surgery and all the time off from the second surgery. This is a legitimate claim. I should not have to do the claims administrators job for them to get the claim processed. They are being paid for this service. It is unacceptable to insist that the patient do all the work for them! Who knows.. they say that it takes longer to heal when you are stressed... I may have to be off longer than expected after this second surgery, because of the stress that Hartford is putting me through.

The Hartford resumed paymentin May 2005 after stopping it for a year.They sent a partial payment in January 2006, then stopped payment again.Iam unable to pay mortgage and utilities without this check. the frustration causes my neck and bacj to hurt more.

His eye doctor cannot believe that he was denied. He cannot drive and is very dependent on others to help him . I had to get power of attorney papers at Hartford's request because Robert could not see to sign his forms. Hartford has lied to us, and nothing has been done.

Where are the people that are suppose to protect people like us? Where are the people that need to convict these frauds? I have written the insurance commissioner of N.C. and they are investigating this and I am going to the senator that represents Caswell county. I don't think that all these people complaining about this insurance should have to hire an attorney because we don't have the money. WE paid this insurance thinking that if a situation like this came up we would have a little money coming in.

My husband and myself are under alot of stress because of this. Our income has gone from $800.00 to $200.00 a week. We are going to lose our home and vehicle. I am facing unemployment in the future with the textile industry doing so poorly. I would like to see Hartford do what they are supposed to do.