Hartford Terminated Your Long-Term Disability Benefits
If Hartford stops paying your long-term disability benefits, you may be able to appeal. Read the termination letter carefully and act quickly because you may have only 180 days to file your appeal.
Why Did Hartford Stop My Long-Term Disability Benefits?
Hartford may say that you no longer meet its definition of disability. This can happen even if your condition has not improved and you still cannot return to work.
We handled one case where Hartford stopped a client’s benefits after a doctor who had never examined him reviewed his medical records and said he could go back to work.
Donahoe Kearney appealed the decision. Hartford reinstated his benefits and paid approximately 16 months of past-due benefits, along with his ongoing monthly benefits. Every case is different, and past results do not guarantee a similar outcome.
What Can I Do If Hartford Stops My Benefits?
Start with three things:
- Read Hartford’s termination letter.
- Find the deadline to appeal.
- Request a copy of your complete claim file.
The claim file can show how Hartford made its decision and what information may be missing.
What Needs to Be in a Hartford Long-Term Disability Appeal?
Your appeal needs to respond to Hartford’s reasons for stopping your benefits. That may mean adding updated medical records, test results, information from your doctors and a clear explanation of why your condition keeps you from working.
This is important because many long-term disability policies are covered by a federal law called ERISA. If Hartford denies the appeal and the case goes to federal court, the judge may only look at information already included in your claim and appeal file.
Do I Need a Lawyer for a Hartford Long-Term Disability Appeal?
Yes, getting help from an experienced long-term disability lawyer can make a big difference.
A lawyer can review Hartford’s decision, spot problems in the claim file and make sure the appeal tells the full story about your condition and how it affects your ability to work. You do not want to find out later that an important record or explanation was left out.
Attorney Frank Kearney explains why long-term disability appeals need to be handled carefully and how a lawyer can help.
Did Hartford Cut Off Your Benefits?
If Hartford stopped benefits you were already receiving, contact Donahoe Kearney before sending your appeal. Attorney Frank Kearney can review the termination letter and help you understand what to do next.
Call 202-393-3320.
Related Resources
How Long Can I Receive Long-Term Disability Benefits?
How Do I Appeal Long-Term Disability in D.C.?
Contact Donahoe Kearney About Your Long-Term Disability Appeal