A Hartford disability lawyer or other experienced disability attorney can play an important role in helping you to get the benefits that you need. If you have become ill or injured or have a disability and are no longer able to work and have recently been denied benefits through your long term disability insurance company, it may be in your best interest to hire an attorney.

Hartford long term disability

Hartford Insurance Company is one of several companies that offer long term disability insurance. A long term disability policy, whether from Hartford or another provider, covers your lost income in the case of a disability. You may buy into subsidized long term disability insurance through your employer. or you may purchase it privately.

Hartford short term disability

Short term disability insurance is different in ways that the name makes clear: these policies are meant to help fill in short term income gaps in the case of a disability from which you will likely soon recover. Hartford disability claims may be for either long term or short term insurance.

Hartford disability insurance claim denials

The disability appeals process can be very complex and could present numerous obstacles for you.  For this reason, your long term disability insurance claim may end in denial.

Since long term disability insurance companies have a strong interest in the outcome of long term disability claims, they might be focused on looking for any possible opportunity to deny your claim.

How do I know if bad faith has occurred in a long term disability claim?

Hiring a disability lawyer, such as an attorney experienced with Hartford disability applications and appeals, can be extremely important if you believe that bad faith has occurred in your transactions with the insurance company.

This happens when insurance companies delay or deny your claim unfairly. Some of the most common reasons for bad faith denials of long term disability insurance claims include denying your valid benefit claim for invalid reasons, delaying your claim unreasonably, requiring duplicate or unnecessary information or paying lower disability benefits than what was stated in your LTD policy.

What counts as unfair evidence collection?

In some cases, a long term disability company will even conduct surveillance on those people applying for benefits. This can include an investigator being dispatched near your home and taking videos or photos of your regular activities.

This evidence collected through this surveillance can ultimately be used to justify a denial of your benefits claim or to argue that, as an applicant, you falsely misrepresented your conditions.

This video footage is often used to harm a truly injured applicant because it does not present the whole picture of the condition. It can be extremely important to have an attorney at your side to assist you if the insurance company has already gathered evidence like this and is using it to justify the denial of your claim.

How soon after a denial should I hire a disability lawyer?

Whether you are working through an appeal with Hartford disability or another company, finding legal representation for your LTD claim denial is extremely important.

Immediately after you have received your denial notice, it is important to consult with an attorney who has experience in this field and who can help you to avoid many of the most common pitfalls.

An administrative hearing could lead to your record being closed; meaning that you will not be able to add further records to your file.

Many insurance companies do not inform you about this information upon sending out your claim response, including Hartford insurance company. This is why it is important to verify that all associated medical evidence is in your disability file while it is still open.

A disability attorney can help you to accomplish this goal. Top Class Actions can help you to find an attorney familiar with disability denials including those associated with Hartford disability.

Get help with your long term disability claim appeal

If an insurance company denied your long-term disability insurance claim within the past 180 days, a knowledgeable insurance attorney can help you appeal.

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