Contact Us Now

Overcoming Hartford Long-Term Disability Claim Denials: Your Path to Approval

Hartford Long-Term Disability Claims: What You Need to Know

When facing a long-term disability, securing the benefits you deserve is critical to maintaining financial stability. Hartford LTD Insurance is one of the largest providers of long-term disability (LTD) coverage in the United States. However, many policyholders find themselves struggling to obtain or maintain their benefits due to claim denials, delays, or unexpected termination of benefits. If you are experiencing difficulties with your Hartford Long-Term Disability claims, the experienced attorneys at Raval Trial Law are here to help.

Challenges with Hartford Long-Term Disability Claims

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 on their Hartford long-term disability application.
  • Surveillance & Investigations: Hartford disability insurance plans frequently use video surveillance, social media monitoring, and independent medical examinations (IMEs) to dispute claims and deny benefits.
  • Termination of Benefits: Even after approval, Hartford long-term disability coverage 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.

Real-case Example of Hartford Long-Term Disability Claims

One of our clients, a 45-year-old accountant diagnosed with multiple sclerosis, was denied Hartford LTD benefits despite clear medical documentation. Our legal team successfully overturned the denial through an appeal backed by expert medical testimony and strong legal arguments.

Your Rights Under ERISA and State Laws

Hartford’s LTD policies often fall under the Employee Retirement Income Security Act (ERISA), which sets federal guidelines for employer-sponsored insurance plans. Knowing your rights under ERISA and state laws can help strengthen your claim.

  • Right to Appeal: You can challenge Hartford’s denial by submitting additional medical evidence and legal arguments.
  • Access to Claim File: You have the right to request and review all documents Hartford used to deny your claim.
  • Legal Representation: ERISA law allows you to have an attorney handle your appeal and negotiate with Hartford on your behalf.

How to File a Strong LTD Claim with Hartford

Follow these steps to improve your chances of approval:

  1. Gather Comprehensive Medical Evidence: Ensure your doctor provides detailed reports, objective medical tests, and a written statement supporting your disability claim under Hartford insurance long-term disability policies.
  2. Keep a Symptom Journal: Document daily struggles, medication side effects, and any limitations in performing work or daily tasks.
  3. Avoid Social Media Pitfalls: Hartford may monitor your social media accounts. Avoid posts that could be misinterpreted as proof of ability to work.
  4. Submit a Complete Application: Ensure all required forms are accurately filled out with no missing details.

Seek Legal Assistance Early: Consulting an attorney before filing can prevent errors and strengthen your claim, especially when dealing with Hartford long-term disability complaints.

How Raval Trial Law Can Help

At Raval Trial Law, we have extensive experience handling Hartford LTD cases. We understand the tactics used by insurance companies and how to counteract them effectively. Our team provides comprehensive legal support, including:

  • Assistance with Initial Claims: We help ensure that your application is complete, accurate, and backed by strong medical evidence to increase the likelihood of approval.
  • Appealing Denied Claims: If your claim was denied, we thoroughly review Hartford’s reasoning and build a compelling case to challenge their decision.
  • Negotiating with Hartford: We communicate directly with Hartford on your behalf to prevent unnecessary delays and ensure fair treatment.
  • Litigation Support: If necessary, we are prepared to take your case to court and fight for the benefits you are entitled to.

Don’t Let Hartford Insurance Deny You the Benefits You Deserve

Navigating a long-term disability claim with Hartford long-term disability settlement can be overwhelming, but you don’t have to face it alone. The attorneys at Raval Trial Law are committed to protecting your rights and ensuring that you receive the financial support you need.

If your Hartford LTD claim has been denied, delayed, or terminated, contact our long-term disability lawyer today for a free consultation. Let us help you fight for the benefits you rightfully deserve.

Hartford Long-Term Disability Claims Case: How Raval Trial Law Can Help

Hartford Insurance is one of the largest providers of long-term disability (LTD) insurance in the United States. While they offer policies designed to provide financial relief for individuals unable to work due to illness or injury, many policyholders find themselves facing claim denials, delays, or terminations when they need benefits the most. If you are struggling with a denied or terminated LTD claim from Hartford, the experienced attorneys at Raval Trial Law are here to help.

Challenges with Hartford Long-Term Disability Claims

Many individuals who file forHartford Long-Term Disability Claims encounter obstacles such as:

  • Claim Denials: Hartford may deny claims based on insufficient medical evidence, lack of objective proof, or pre-existing condition clauses.
  • Unfair Benefit Terminations: Even after approving a claim, Hartford may later terminate benefits based on periodic reviews or alleged changes in medical status.
  • Delays and Requests for Additional Information: Hartford often asks for excessive medical documentation, causing unnecessary delays in processing claims.
  • Surveillance and IME Tactics: The company may use video surveillance, independent medical exams (IMEs), and social media monitoring to dispute a claimant’s disability status.

Mistakes to Avoid When Filing an Hartford Long-Term Disability Claims

  • Failing to Provide Sufficient Medical Evidence: Lack of objective tests like MRIs or functional capacity evaluations can lead to denials.
  • Missing Deadlines: Strict time limits apply to both initial claims and appeals.
  • Returning to Work Too Soon: Attempting to work part-time could be used against you as proof of ability to work full-time.
  • Inconsistent Medical Treatment: Gaps in medical visits may raise doubts about the severity of your condition

How Raval Trial Law Can Assist with Your Hartford LTD Claim

At Raval Trial Law, we have extensive experience handling Hartford LTD cases. Our legal team understands the complexities of these claims and the tactics that insurance companies use to deny benefits. We have successfully helped numerous clients fight wrongful denials and terminations, securing the financial support they need.

Our services include:

  •  Filing Strong Initial Claims: We ensure your application includes comprehensive medical evidence and meets Hartford’s specific policy requirements.
  • Appealing Denied Claims: If Hartford denies your claim, we prepare a compelling appeal with additional medical records, expert opinions, and legal arguments to strengthen your case.
  • Litigation Against Hartford: If necessary, we are prepared to take Hartford to court to fight for your rightful benefits.
  • Negotiating Settlements: Our attorneys have successfully negotiated favorable settlements for clients whose claims were unfairly denied or terminated.

Why Choose Raval Trial Law?

At Raval Trial Law, we have extensive experience handling Hartford Insurance long-term disability cases. Our legal team understands the complexities of these claims and the tactics that insurance companies use to deny benefits. We have successfully helped numerous clients fight wrongful denials and terminations, securing the financial support they need.

At Raval Trial Law, we have extensive experience handling Hartford LTD cases. Our legal team understands the complexities of these claims and the tactics that insurance companies use to deny benefits. We have successfully helped numerous clients fight wrongful denials and terminations, securing the financial support they need.

FAQs on Hartford Long-Term Disability Claims

Hartford usually takes 45-90 days to decide on LTD claims. Delays happen if they request extra medical records or conduct surveillance. To speed up approval, ensure all paperwork is accurate and complete. If delays continue, a disability attorney can push Hartford to act faster.

Strong claims include doctor reports, MRI scans, functional capacity evaluations (FCEs), and prescription records. Hartford may deny claims without objective medical proof. Regular checkups and detailed symptom logs help prove ongoing disability and strengthen your case.

Yes, Hartford uses video surveillance, social media monitoring, and private investigators to find reasons to deny claims. Avoid posting on social media and follow your doctor's restrictions carefully. If surveillance is used unfairly, a disability lawyer can challenge their tactics.

Some policies allow part-time work, but exceeding income limits may reduce or terminate LTD payments. Hartford may claim you are fit for full-time work. Before working, check your policy or consult an LTD attorney to avoid losing benefits.

You have 180 days to appeal. First, request your denial letter and claim file. Gather new medical evidence, doctor statements, and functional tests. Submit a strong appeal before the deadline. If Hartford denies it again, you may need to file a lawsuit under ERISA law.

Yes, most Hartford policies offset SSD payments, reducing your LTD amount. If SSD is denied, Hartford may still require you to apply. SSD approval can help strengthen your claim, but Hartford may request repayment if you receive back pay.

Connect with Us

Facebook Linkedin Instagram Youtube

Amar Raval

HEALTH INSURANCE PARTNER
Envelope Phone-alt

Practice Areas

HOW CAN WE HELP?

Contact Us Now

Tell us how we can help

When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership. We understand the unique challenges associated with insurance disputes, and how to navigate them successfully and in a manner that accomplishes our clients’ objectives. Our practical, results-oriented mindset drives every facet of our legal representation. We are laser-focused on working towards the best possible solution for each client.

When you consult with Raval Trial Law an experienced Houston trial lawyer at our firm will engage you in a collaborative partnership.

Insurance Litigation

Quick Links

Raval Trial Law

Copyright © 2025 Raval Trial Law, LLP. All rights reserved.

Facebook Linkedin Instagram Youtube