A Hartford disability claim can involve detailed forms, medical records, and ongoing review. If The Hartford has denied or delayed your long-term disability benefits, an ERISA attorney can help you understand the plan’s appeal process and build a clear record. Many employer-sponsored disability plans are governed by ERISA, but coverage depends on the plan and policy. The facts and deadlines in your claim matter; each case is different.
Understanding Employer-Sponsored Disability Claims
The Hartford Financial Services Group, Inc., commonly known as The Hartford, is one of the largest providers of group and employee benefits in the United States. Most claimants obtain coverage under a long-term disability insurance policy from The Hartford through their employer as part of a group disability plan.
After a claim has been filed, The Hartford may use surveillance to monitor claimants’ behavior, including online posting. Some claimants report that private investigators have followed or recorded them to assess whether daily activities are consistent with reported limitations. Follow the restrictions your doctor has given you, and keep your care team informed about changes in your condition. You do not have to stay home, but your activities should remain consistent with your documented limitations. Surveillance may capture only part of a person’s day. An ERISA disability attorney can help document how your condition affects daily activities.
During a Hartford disability claim review, The Hartford may request additional medical records, forms from your treating provider, or an independent medical review. The Hartford may ask you to see a doctor, provide the same record more than once, or have your physician complete a questionnaire. Review each request carefully, keep copies of what you submit, and ask questions if a request is unclear. An insurer may weigh medical records differently when it reviews a claim. A complete, consistent record can help explain your limitations and the basis for your Hartford disability claim.
What to Do If You’ve Been Denied Disability Benefits by The Hartford
If The Hartford denies your claim, your plan may provide a right to appeal under ERISA. Group insurance policies issued by The Hartford for short-term and long-term disability are often regulated by the Employee Retirement Income Security Act of 1974, also known as ERISA. This law gives policyholders specific rights, including the ability to appeal a denial of benefits.
A skilled ERISA lawyer can explain all the options in your case, and if applicable, help you file an appeal. The deadlines for filing an appeal are strict, so it’s important that you reach out to an attorney early in the process.
If Your Disability Insurance Claim was Denied, The Garner Firm, Ltd. May Be Able to Help
At The Garner Firm, Ltd., our attorneys understand that disability benefits help people support themselves and their families. We know how devastating a denial can be, and we have helped many families through this difficult process. If you believe that your disability insurance claim is being wrongly delayed or denied by The Hartford, contact The Garner Firm, Ltd. today to schedule a consultation and discuss how we may be able to help.