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Hartford Long Term Disability Denied: What To Do Next
Facing a Hartford long term disability denial can be a disheartening experience. Many individuals rely on these benefits after suffering an illness or injury that prevents them from working. Understanding your rights and available options is crucial to navigating this challenging situation.
Why Was My Hartford Long Term Disability Claim Denied?
Hartford, like other insurance companies, may deny long term disability claims for various reasons. Common reasons include:
- Lack of Sufficient Medical Evidence: Hartford might claim the medical documentation doesn’t adequately support the severity of your disability.
- Independent Medical Examination (IME): An IME by a doctor chosen by Hartford might contradict your treating physician’s assessment.
- Policy Exclusions: Your policy might have exclusions for pre-existing conditions or certain types of disabilities.
- Surveillance: Hartford might use surveillance to gather evidence that contradicts your claimed limitations.
- Definition of Disability: The definition of disability in your policy might be interpreted differently by Hartford than by you. Refer to Wikipedia’s definition of Disability to understand different perspectives.
What Steps Can I Take After a Denial?
If your claim is denied, you have the right to appeal. Here’s what you should do:
- Review the Denial Letter: Carefully examine the denial letter to understand the specific reasons for the denial.
- Gather Additional Evidence: Obtain additional medical records, test results, and letters from your treating physicians that strengthen your claim. Address the specific issues raised in the denial letter.
- Consult with an Attorney: An experienced disability attorney can review your policy, assess the denial, and guide you through the appeals process. They can help you gather the necessary evidence and present a compelling case.
- File an Appeal: Follow the specific appeal procedures outlined in your policy. Make sure to file your appeal within the required timeframe.
ERISA vs. Non-ERISA Claims
It’s important to determine whether your long term disability policy is governed by the Employee Retirement Income Security Act (ERISA). ERISA applies to most employer-sponsored disability plans. ERISA claims have strict deadlines and procedures. Non-ERISA claims, typically individual policies, have different rules and regulations.
FAQs
What is the timeframe for filing an appeal with Hartford?
The timeframe for filing an appeal is usually specified in the denial letter, but it is typically around 180 days from the date of the denial.
Can I sue Hartford if my appeal is denied?
If your appeal is denied and your policy is governed by ERISA, you generally must exhaust all administrative appeals before filing a lawsuit in federal court. Non-ERISA policies may allow you to proceed directly to court after a denial.
How much does it cost to hire a disability attorney?
Many disability attorneys work on a contingency fee basis, meaning they only get paid if they win your case. Their fee is typically a percentage of the benefits they recover for you.
What if Hartford requests an Independent Medical Examination (IME)?
You are generally required to attend an IME requested by Hartford. However, you have the right to request a copy of the IME report.
What evidence should I include in my appeal?
Include all relevant medical records, test results, physician letters, and any other documentation that supports your disability claim. It is also helpful to address each reason for denial stated in the denial letter.
Summary
A Hartford long term disability denial doesn’t have to be the end of the road. By understanding the reasons for the denial, gathering strong medical evidence, and potentially seeking legal counsel, you can improve your chances of a successful appeal and secure the benefits you deserve.
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