The Hartford - Disability

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Maria of minneapolis, MN October 28, 2009

I was not a client of hartford, but my mother was. 9 years ago she was diagnosed with colon cancer at age 40. Her cancer came and went but a few years ago she could not continue to work. So hartford kicked in and did what they do. Which isn't much with out a good hard fight! Well finally her time with hartford. was up, and they cut her off without notice in the middle of her cancer treatment.

My mom was to stressed and worried about living, and did not even know they were getting ready to cut her off. They didn't even send any kind of notice. Nothing.

When she tried to make appeals it never got to anyone. When she sent checks they never cashed them. They would give out fake phone numbers, or keep giving the same numbers that no one answered the phone or called her back. They still owe her at least 15,000 in back pay. The consequences and damage that resulted, a premature death. I heard my mother's doctor say "you have a good 5-10 years before the cancer can really be a problem." She didn't say 5-10 months!

jacoba of south bend, in, IN September 29, 2009

After 20 years on LT disability with the Hartford I recieved a call out of the blue last week saying my disability was terminated and that they did not have to adhere to any of my policy's provisions for work re-entry. The independent medical examiner never spoke with me and twisted all the data my dr.'s provided about verifying that I could not work.

They were furious and called to speak to someone and were told they could not. In the past they had hired sleezy independent investigators who wrote on their reports that i had underwear hanging in my bedroom (guess how they knew that?). They sent me to an independent medical examiner who spoke to me for 10 min. and was paid 1/2 of my yearly benefits for this office visit. He of course also twisted all the data from the tests that had been intrepreted by my treating physicians and said that even though the tests his staff ran verified evidence of no malingering that i was probably "subconsiously motivated" to not return to work, therefore i should be able to.

There are more horror stories associated with this company that i don't have the energy to dictate. Though there are some very caring humane people who work there, my caseworker was one of the coldest cruelest human beings i have ever spoken with. i guess you have to be to do the kinds of things they are doing to people who rightly are owed their meager livelihoods on disability. the stress of not knowing how you will eat, afford your medicine or pay your mortgage is unimaginably horrible on an already sick body.

bernard of au gres, MI September 17, 2009

I applied for my insurance through AARP and they refered me to Hartford so I keept my insurance payments up then the last payment I sent the 07/27/09 long before the due date the 08/08/09 and I received a check back saying they canceled my policy. Something isn't right here and I tried contacting them but with no prevail.I still have the check and I want some answers and reinstated.

rose of west plains , MO August 26, 2009

I have been drawing disability from SSD and what was originally independent truckers association, beginning in 1991, this was a policy the company I was leased to forced me to buy, with short term disability, and then on long term disability in may of 1991 I had one disk gone in my back at that time between L4 and L5 I since have several more disk in my back that are deteriorated, along with my knees, feet and so on.

Over the years Hartford life has quit paying me my benefits several times, it then takes two years for their to be enough back pay for an attorney to take the case, then another year or two for them to pay me always before they catch up my back pay and re-start my benefits, I get stuck paying my attorney, suffering all of the worry and problems that go along with not having money. Then another few years pass and it starts all over again.

This time they quit paying me which is always because I never have my drivers license and copy of social security card to them with in fifteen days of their mailing their request letter to me, which I usually get somewhere along the twelfth day after they wrote the letter, the policy states I have ninety days to get to a doctor and have the paper work filled out and returned to them, they also have to give me an extension if I cannot get an appointment with in this time. Last time I looked these numbers have not changed.

This time they quit paying me in 2005, it has ruined my credit I no longer own my home, the court house does form all of the law suits for non payment of bills. I cannot file bankruptcy and keep my home.. I had closed all of the accounts but it did no good they still acquired massive charges.

I too have been followed, taped, and god knows what by private investigators and who knows what else, after reading some of the other complaints I wonder if my prowler problems and peeping tom problems for the last fifteen years has been from Hartford life, I too have had people park and stare I am well used to this, have to wonder if the pay the neighbors to spy and lie about things I also wonder if they are taping my phone calls, taking mail out of my mail box and things of this nature. I only know somebody has been.

I am darn tired of not being able to run my air conditioner or heat more than one room in my home in the winter, I am tired of having to go to the food banks for outdated food, tired of asking the churches for help with the utility bills and get told no I am just out there wasting my money, just what you want to hear when you are in danger of having the utilities turned off. That you are simply a worthless dead beat.

I am darn tired of being haled into court every few months on credit cards bills that are over inflated by hundreds to thousands of dollars. Tired of having my bank account garnished even though they have to give it back the bank makes out keeping their legal fees. Bank of America was one hundred, the attorneys doing this know I am on ssd and that they cannot touch this meager amount, but it does not stop them from placing garnishments on every bank they can think of, all they while adding charges to the accounts. Should be illegal after the first one.

All of this I can lay at the feet of Hartford Life who in their opinion, I cannot drive a semi any longer but I can drive an escort truck, let me see, one would think that the Methadone, Oxycontin, Topamax just to mention a few of the drugs I take for pain would keep me from driving a truck, but not an escort truck, I can not be responsible to drive said truck just lead it through major city's, and be responsible for the safety of all around it, messed up isn't it. Not to mention it is a day light to dark job driving as hard and fast as you can. I am sure they are going to take care of me when my back goes out and I cannot walk, or help when my bodily functions go awry. As My back specialist says it is simply ridiculous, Hartford Life.

Ben of Abilene, TX August 5, 2009

Injured on the job in 2002. Unable to work and became depressed as well. Hartford uses every means available to deny or intimidate individuals to not seek payment. Persisted and was put through the most vicous attacks you can imagine. There surveillance is with 3rd parties which released Hartford of any wrong doing. But lets the investigator (Crook) do as he pleases to get his pictures. I was stalked and photoed continously for years.

Pressure of same and medical problems worsened depression. They would sit outside our home in plain view and made there presence known. My home was filled with holes drilled in the walls and all the window screens where cut with slits. Used outside cameras and they would be cut lines and moved. Lights broken and unscrewed. After 2009 i had enough and sent a letter to them saying i did not wish to pursue this any more due to there vicious ways. In return i again was stalked the last few days by a car parking directly across and they just sit there in plain view. My sanity is worth more than money.

Even though i was receiving benefits which they where offsetting due to social security settlement, I declined to receive future benefits. Everything has halted now and i am forever scarred by the ruthlessness of this Hartford Company. I paid dues for almost 20 years before coming disabled. They also count any income even if it comes to your wife or son. This seems wrong in many ways. Little people seem to have no rights at all in this new corporate world of greed.

I do not trust anyone anymore. Corruption seems to be the order of the day. Scars from this have hurt my sanity, marriage, family and friends. This Hartford company is supposed to help in times of need. But be assured you will go thru sweat shop to get what you deserve. Even then there is a price you will pay. Forever Scarred deeply.

Debbie of Ewing, VA June 16, 2009

I work for walmart in shipping and receiving. I had surgery on my left foot on march 11, 2009 and was off for 6 weeks and the hartford paid me 60% of my base pay with no problem. I returned to work after 6 weeks and worked 8 hours in shipping and receiving and my foot hurt so bad, I barely make it through the shift. The next day I went back to my doctor and he gave me 4 more weeks for my foot to completely heal.

I filed for 4 more weeks of short term disability and was turned down hartford insurance company said I was able to go back to work, yet I had a doctors excuse stating I needed 4 more weeks off work so my foot could heal. I appealed and hartford turned it down for the same reason. I don't see how I can have short term disability insurance and have a doctor's excuse for 4 more weeks and hartford don't have to pay me my money.

Scott of Bonita Springs, FL June 2, 2009

I previously wrote about my problems with Hartford Insurance Company and my disability benefits being terminated. My policy was a group disability plan, therefore, it falls under ERISA Law. ERISA, as I understand it was created by the insurance lobby to not only protect insurance companies from their bad faith practices, breach of contract and out right "fraud" they continue to perpetuate against good american people who have become disabled. ERISA Law allows insurance companies to completely screw over people like me and many others who are ligitimately sick and count on their disability checks. My monthly check was for 10,000 a month. I have now hired an ERISA Lawyer to help gain back my rights to get the money I, as well as my family, rightfully deserve. However, I know longer believe in Long Term Disability. There are essentially no penalties to nail the insurance companies with for their terrible behavior. How ERISA ever got through legislation is beyond me. I do not know what the outcome will be with my case, but as far as my wife, children and I are concerned we have agreed to take our case all the way to Federal Court. For all of you out there who became disabled I do not know what to say. ERISA gives the insurance companies the ability to do basically whatever they want. There is NO SUCH THING AS LONG TERM DISABILITY UNLESS YOU'RE ACTUALLY BRAIN DEAD OR SOMETHING SO SEVERE. I believe LTD benefits are the biggest fraud being placed upon people who paid their premiums trying to do the right thing so we can still pay for our families needs.

I stated in my previous summary to call your congressman. I now believe that is a waste. They are the same people who allowed this ERISA ANIMAL to be placed into law. ?? Good Luck to everyone. We all are going to need it. I would certainly "BOYCOTT" all of Hartford's products and tell everyone you know to do the same. I doubt it will do much good but who knows? We are going to have to file for bankruptcy. We will lose everything because of them.

vincent of reinholds, PA May 28, 2009

I had surgury on 4-1-09 and the target date to return to work was 6-01-09 per the surgeon. I signed a relase for for the harford ins co so they could access the dr, info. they approved me and paid me %60 for my pay till 5-5-09. they stated that no more payments could be made untill they received more info from my family doctor. I complaied and it was fax to them within a few days. i followed up and asked what the status was. they now stated they needed to go back and get more ingo from my family doctor. that to was also fax asap to them.

i waited a week and heard nothing. I then when on line and form my case was closed and no one contacted me. I jumped thru hoops to comply, no response. I called twice and go a superviors voice mail saying i want to appeal. no one returned my calls. I asked them why did they pay me from 4-05-09, till 05-05-09 and not pay me till 6-01-09. they stated i was not in compalance beacsue i did not give them access to my medical insurace provider, they wanted to search back back into my personel records.

i said that is a privacy issue. My surgeon and family dr. gave them what they requseted. I also feel this is issue with HIPPA/OCR. I have been trying to recover and all they did was cold and rude. I am 60 years old and this made me depressed and discouraged. I pay thru susquhanna bank of Pa for my STD. I feel i deserve what little they should pay me. I thank you very much.

Scott of Bonita Springs, FL May 26, 2009

In 2004 I was working as an investment banker. I collapsed to the ground when my L4 disc simply shattered. i was approved for long term disability benefits which is 10,000 per month until I am 67 years old. I have been receiving this monthly benefit for approximately 5 years.

The Hartford has continually harrassed my doctors, bombarted them with redundant requests for more and more and more medical information. Like I stated I was approved for LTD benefits after one surgery, I have now had six major spine surgeries and spend most of my days in bed. A few weeks ago I received a letter terminating my benefits even though their own video survelliance showed me doing nothing and my doctor replied to them by stating I am 100% disabled and was totally NOT able to do what they say I should be able to do.

Also, my policy states I must have the same type of job and be guaranteed to make a minimum of 120,000 a year or I am still deisabled. Also, according to their own job study they did on me they stated my occupation was a (FC) for financial consultant. In order to be one I have to have many NASD and Insurance licenses, all of which were terminated in the last few years do to being in one surgery after another and not doing my continuing ed because I am totally disabled.

If there is anyone out there who has experienced the same or similiar conduct of bad faith practices, breach of contract or tortuos interference, should call their congressman, Senators and the like. Dont forget to get your local papers involved.

E. of Littlestown, PA May 14, 2009

I fell in my office, hit my head and injured whole left side of body. In Feb 09. I have stage 2 concussion and sprained elbow, arm knee and injured saiatic nerve and compressed disc in lower back as well as infammation of Bursa in left shoulder and hip.

Hartford was contacted by my employer it took them 3 weeks to respond and additional 2 weeks to respond to me. I filled out paperwork answered telephone interview that was taped and was told I would rec'v decision in 1 week. I am in PT right now and my current insurance has expired as of May 01. Hartford has denied my claim stating my fall was no fault of the employers.

My employer terminated my employment after working there 5 years stating he would have to find a replacement for me as I was coming in too many times late from PT or calling in sick since the fall and I cannot rec'v unemployment benefits as he filed a complaint of gross misconduct due to the many complaints of my being late. I was late at least 3 times in past 3 weeks since trying to return part time. I have severe headaches and neck pain and shoulder and back pain which is slowly getting better with PI but now I have no benefits as of May and I cannot pay out of pocet since I have no income. I went from making 27.oo an hour to zero. I am now living on my retirement money and trying to apply for social security benefits and trying to replace my current health insurance. It would cost 450 a month to keep it. I cannot afford it. I do not know if I should pursue this with attorney or not....still deciding and probably will.

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