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Hartford Denied Long Term Disability Lawsuit
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By Heidi Turner
Lawsuits have been filed against The Hartford insurance company alleging policyholders had their claims unreasonably delayed or denied, breaching the insurance company' contract with its customers. Insurance companies such as The Hartford (sometimes called Hartford Life Insurance Company) who are found to have delayed or denied legitimate claims for the purpose of protecting profits may face claims of bad faith insurance. Unfairly denying or delaying claims puts policyholders in the position of not being able to cover their medical expenses, or day-to-day expenses, making them financially vulnerable.
Policyholders have filed claims against The Hartford alleging their disability claims were unfairly denied based on improper medical documentation, failure to adequately investigate a claim, and aggressive claims review processes. The insurance company has also faced claims of relying too heavily on the opinions of peer reviewers, ignoring vital evidence concerning the severity of the disabling condition, and cherry picking evidence to support their own conclusion.
The Hartford Life Insurance Company Claims
In one lawsuit (Spina v. CVS Long Term Disability and Hartford Life & Accident Insurance Company, case number 1:10-CV-243), Senior District Judge Sandra S. Beckwith referred to reports from Hartford' peer reviewers as having "troubling misstatements, misinterpretations, inconsistencies, and omissions."
The Hartford has faced allegations that it uses unfair video surveillance to deny claims or intimidate clients into dropping their claims. In 2009, ABC News aired a report about The Hartford' handling of insurance claims. That report noted federal courts have ruled that The Hartford "improperly overemphasized their surveillance video"when denying claims from disabled people. In such cases, plaintiffs who filed disability claims were reportedly filmed doing innocent activities—such as reading magazines or eating tacos—with the film footage used as proof the plaintiffs were not actually disabled. Among findings from the federal courts were that the company abused its discretion in denying disability claims.
The Hartford Long Term Disability Denials
One lawsuit was filed in late 2015 by a doctor who alleged The Hartford Life & Accident Insurance Company breached its contract with him and violated the Employee Retirement Income Security Act when it denied his benefits. The doctor, Albert Zanetti, was reportedly unable to work due to a disabling condition and treatment regimen. He alleges Hartford refused to provide benefits, failed to give a decision in a timely manner, and failed to obtain medical opinions on the plaintiff' disabling condition.
The Hartford Long Term Disability Lawsuits
Hartford Denied Long Term Disability Legal HelpIf you or a loved one has suffered similar damages or injuries, please click the link below and your complaint will be sent to a insurance lawyer who may evaluate your claim at no cost or obligation.
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I am on ssdi and Hartford through being disabled did pay std and ltd in 2009 this year started sending me packets that they want me to to have packects filled out by my medical doctors saying im still disabled or they are threatening not to carry the life insurance policy which states through my old company as long as im disabled my Hartford can not drop my life insurance policy. Ive been disabled since 2007 this year is the firsst time they have done this and i have already been through an ssa review which declared disabled my doctors are saying its irrational that Hartford is asking for you to go through a review with them im on ssdi. Doctors never heard of a thing and hartford states on paper work i release for them to use my information no privacy act doctors wont fill it out for them. I called hartford and told them they said they have done it every year i said no i would have seen before and told them i will give them paper work from ssa on my disability. Anyone ever see this? They have no right to drop my life insurance while its on contract as long as im disabled and i am they are not allowed to drop life insurance. Now i have a lein on my ssi for state taxes when i was on ltd in 2009 and hartford they dont hold paperwork that long? 2 year battle now trying to get irs or hartford or crown castle stsing i eas on ltd in 2009. Ugghhhh just got off phone with Harrisburgh again trying to get lein ligted off credit report its stopping my credit score.
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