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Cavey Barrett BlogLong Term Disability ERISA and Private Disability Insurance Claims
Has Hartford Targeted Your Long Term Disability Claim For Termination
Unfortunately, it seems that some long term disability carriers are targeting certain long term disability cases for denial.Hartford has a GRP division that buys long term disability claims from other carriers and then targets the claims for denial.
Based on what I am seeing in my practice, Hartford is also trying to target claims on the psychiatric limitation of benefits clauses that limit the payment of long term disability benefits for psychiatric conditions to two years. Hartford will have a physician review the case and determine that, while the person has physical problems, the real problem is psychiatric. That physician or Hartford will then try to get the treating physicain to sign off by saying that your disability is really " psychiatric." Bingo, your long term disability benefits are terminated.
Any, in yet another situation, Hartford is terminating benefits after a Social Security award results in a significant reduction in long term disability benefits. They try to have it both ways by reducing your long term disability benefits and then terminate benefits on the basis you are no longer disabled.
Don't be a victim of Hartford's games. If you have been denied benefits or had your long term disability benefits terminated, please contact an experienced ERISA or disability attorney.
Nancy Cavey can be reached at 727-894-3188.
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Comments
I wonder how many disabled employees Hartford has working for them, I would bet ..not many
Posted by Bill Allen on July 9, 2008 at 04:33 PM
I am currently recieving long term disability payments from Hartford, am also on social security disability. On my quarterly updates with Hartford, its usually done over telephone, past month it was phone tag, so they sent me paperwork to fill out instead, they also included apaper for me to sign which I haven't done before, what it is, is authorization to obtain and disclose information, on any health records, credit histories, bank records, academic reciepts, and a lot of other things, is this standard, do I really have to sign this? I didn't before. I can understand health records from doctors, exrays etc. Please answer, as I have only 10 more days, to send this or they will terminate me. I don't want them seeing my bank records even if I have hardly anything there. Thanks, Brenna
Posted by Brenda Galloway on September 7, 2008 at 11:52 PM
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Long Term Disability ERISA and Private Disability Insurance Claims
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