Has Hartford Targeted Your Long Term Disability Claim For Termination | Tampa Bay Disability Insurance Lawyer
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.