If you’re wondering what to do when The Hartford Insurance Company denies your Long Term Disability claim, keep reading to find out.
If your Short or Long Term Disability claim is denied by The Hartford insurance company or any other disability insurance company, you should contact a lawyer to handle the appeal which will need to cover all of the issues involved in your particular claim.
At Herbert M. Hill, PA, we have seen commonalities in these kind of disability denials from insurance companies, like the Hartford. Frequently, the proper medical examinations are not performed, express opinions by treating physicians are not obtained and the insurance companies, like the Hartford, are not supplied with the appropriate or applicable job description. Applications and appeals are doomed to be denied if these kinds of issues are not rectified in a timely manner.
After The Hartford Denies Your Claim
Many of our clients initially file their own claims, believing that the insurance company will see what they know, which is that they are disabled from doing work. We have seen the same reasons for denials through the years over and over. Our firm knows how the insurance companies like the Hartford examine Short and Long Term Disability claims. Although each claim is different, the reasons for denial fall into very few categories. As an example, the most common reason for denial is that the medical evidence does not support the level of disability claimed.
While it is possible to file your application or appeal for Short and/or Long Term Disability claim, it is not advisable. It is possible that you may be harming your claim for benefits by misrepresenting the nature of your conditions, subjecting you to a limitation or tolling, etc.
The Importance of Submitting the Relevant Evidence
Furthermore, you may exhaust your appeals for benefits and at this time, your claim file is closed and no more evidence may be provided, even if you want to file a lawsuit. The court cannot look at additional evidence, it can only consider evidence that you submitted with your claim during the administrative appeal.
For this reason, it is imperative to get the correct evidence in front of the Hartford, or other insurance company, from the earliest point possible. This may include specific functionality statements or independent medical evaluations. The kind of evidence that is appropriate to submit in your individual claim is different from claimant to claimant.
Such claims are routinely handled by the offices of Herbert M. Hill, P.A. However, you should keep in mind that the foregoing is not intended as legal advice applicable to any individual person’s unique legal situation. Its sole purpose is to give a general idea of the existing status of the law as it applies to the point of law addressed above. You cannot rely on the foregoing as legal advice. You cannot make legal decisions based on its contents. If you have questions arising out of this point of law, you should contact an attorney who routinely handles claims involving policies of disability insurance. The law offices of Herbert M. Hill, P.A. would welcome the opportunity to discuss your case with you, at no charge. You can contact me at 407-839-0005 or at hmh@herbertmhill.com.
If you would like, after discussing your case, we can set a conference. That conference would be free of charge and you would be under no obligation to hire me nor would you feel any pressure from me to do so.
Herbert M. Hill, P.A. is a law firm located in Orlando, Florida with a practice extending throughout the state of Florida and the southeastern part of the United States, including Georgia and Alabama. Areas of practice include disability and employee benefit claims of all sorts. The firm handles any claims arising under the Employee Retirement Income Security Act (known and referred to as “ERISA”) for disability benefits, medical benefits, retirement benefits of any sort, including pension, 401k, termination agreements or the like as well as claims arising under private disability policies.
