Hartford Insurance has a history of aggressively scrutinizing long-term disability claims, often using tactics that can leave policyholders frustrated and financially strained. Some common challenges claimants face include:

• Claim Denials: Hartford may deny your initial claim due to a lack of sufficient medical evidence, procedural errors, or discrepancies in your application.
• Delayed Approvals: The company may prolong the review process, forcing claimants to endure financial hardship while awaiting a decision.
• Surveillance & Investigations: Hartford frequently uses video surveillance, social media monitoring, and independent medical examinations (IMEs) to dispute claims and deny benefits.
• Termination of Benefits: Even after approval, Hartford may suddenly terminate benefits by claiming your condition has improved or that you can return to work despite medical evidence to the contrary.
• Complex Appeals Process: The appeals process is often overwhelming, requiring extensive medical records, legal arguments, and expert opinions to successfully overturn a denial.