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Insurance Ripoff-Hartfort
Posted by on 05/22/2001
TENNESSEE -- I had worked at Wal-mart for several years,carrying short-term and long-term insurance with Hartford.I became unable to work Sept 1999 and was put on leave by my doctor[a Wal-mart disability Dr.]and he recommended me not to go back to work due to numerous health problems.HBP,arthritis,lupus And spastic colon[had surgery for Crohns while on leave losing 1/4 of my colon and 8-10 inches of my small intestines]I have been repeatedly denied my short -term and my long-term because if "I'M ABLE TO GET UP OUT OF BED AND GO TO THE BATHROOM -I'M ABLE TO WORK".THIS COMPANY DOES NOTHING BUT LIE TO YOU!!!!THEY DO NOT RECEIVE REGISTERED MAIL THEY SIGN FOR. THEY LIE, HUMILIATE YOU AND TELL YOU IF YOU DON'T GO BACK TO WORK YOU HAVE NO COVERAGE> ONE DAY MY BLOOD PRESSURE WAS 220/138 AND THEY SAID I SHOULD BE IN THE HOSPITAL IF MY BP WAS THAT HIGH[they called Dr. office to verify]THIS WAS VERIFIED AND STILL "NO BENEFITS".I have a very bad colon and had trouble controlling my bowel at work.I ate very little all day.CO-workers can testify to this.I AM NOT THE ONLY ONE THIS COMPANY HAS DONE THIS WAY.WAL-MART WORKERS BEWARE----- YOU CANNOT DEPEND ON HARTFORT INSURANCE YOU ARE PAYING FOR.YOU CANNOT LEAN ON THEM WHEN YOU ARE SICK!!!!!!!!!!!!!!!!!!
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Posted by dokarisson on 2001-05-23:
The sad thing is...it's bigger than you can imagine. Not just for Wal-Mart employees. Hartford is one of the largest insurance carriers. I am writing a letter on your behalf. Encourage your friends to do the same. Maybe if we all work together we can accomplish a change.
Posted by Anonymous on 2001-05-23:
Let's all work together... What can we do?
Posted by lwadkins14 on 2001-05-25:
Thank you for the feedback on my complaint to Hartford.I would appreciate a letter to Hartford.In my earlier letter I told you about all my medical problems(May 22nd). I have received my Social Security Disability with a disability date Oct.'99.Hartford still denies my Claim. I appreciate your concern .
Posted by Anonymous on 2001-06-14:
Hartford is Heartless!
Posted by Anonymous on 2001-06-25:
Posted by bone on 2001-07-21:
This insurance is not worth the paper the policy is wrote on.
Posted by Anonymous on 2001-07-21:
I dropped mine.
Posted by Anonymous on 2001-07-21:
A lot of us are dropping ours at enrollment time because of this. Why pay out money for premiums for nothing like you did??
Posted by Anonymous on 2001-07-24:
WE are new employees and we read this info,NOW we know this insurance is useless.
Posted by Anonymous on 2001-07-24:
Hartford did me the same way and I got my Social Security also.
Posted by Anonymous on 2001-07-25:
The company does not have the courtesy to answer the mail that their customers write. Since President Ayer[ceo of company]will not answer His mail either,I guess HE TRAINED AGENTS WELL.
Posted by Anonymous on 2001-09-21:
Posted by Anonymous on 2001-09-21:
Posted by Anonymous on 2001-09-21:
They treated me bad,tried to deny my benefits.This insurance is NO GOOD.
Posted by Anonymous on 2001-09-21:
They never did give me all the money I was d
Posted by Anonymous on 2001-09-21:
I had a hard time out of this insurance.
Posted by Anonymous on 2001-09-21:
This insurance is SLOW SLOW TO PAY,----"IF YOU GET IT AT ALL!!!
Posted by Anonymous on 2001-09-21:
Posted by Anonymous on 2001-09-28:
Wal-Mart employees are wasting their hard earned money on this insurance.
Posted by Anonymous on 2001-09-30:
Posted by Anonymous on 2001-10-07:
Wal-Mart will not help employees at all when they have a problem with this insurance.They let the insurance get away with it.
Posted by Anonymous on 2002-03-01:
Posted by Anonymous on 2002-03-10:
I cancelled my insurance due to all these comments! Thank You.
Posted by Anonymous on 2002-03-23:
Seriously considering cancelling my useless insurance.
Posted by Anonymous on 2002-03-27:
Posted by Anonymous on 2002-03-27:
Posted by Anonymous on 2002-03-31:
Posted by Anonymous on 2002-09-24:
Evidently Wal-Mart has found out how BAD HARTFORD INSURANCE IS-------BECAUSE WALMART HAS HARTFORD SUED.HA HA ------------------------------------------DOES NOT FEEL GOOD DOES IT WALMART????????????????????????????????????????????????????????????????????????????????????????????? "TOLD YA "HARTFORD IS CROOKS!!!!!!!!!!!!
Posted by Anonymous on 2002-11-02:
Hartford is "NEVER" there ----no matter what the "TEMPERATURE".
Posted by jillybean on 2005-08-11:
True, true, true. There is a special place in hell for these folks!
Posted by screwed_by_hartford on 2006-03-30:
Hartford says they use the guidelines of doctors that are members of the American Medical Association. Any doctor with the right qualifications can be a member including doctors on the payroll of Hartford. Their guidelines for my open heart surgery had me going back to work after 6 weeks. Ha Ha.

My doctors refused to sign a Medical Release Statement to let me go back to work because my employer- Wal-Mart does not allow "light-duty". They expect me to go back to work after 6 weeks post-op of a open-heart valve replacement surgery.

They need to update their guidelines!!! My cardiac surgeon of 30 years refuses to let me go back before 90 days post-op and they say I should go back 6 weeks. What's sad they know my work duty requirements because the initial application for benefits was signed via the Walmartbenefits.com website which redirects you to Hartford still under the Wal-Mart website. They knew my job required me to lift boxes weighing up to 50+ pounds and they still expect me to go back to work after only 6 weeks.

Puts me in a tight place - 30 days without any pay for me, my wife, and my son! My doctor will not release me but the Hartford will not approve my benefits extension beyond 6 weeks.
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Did not discuss the policy when went through AARP for insurance
Posted by RR on 09/29/2008
HOUSTON, TEXAS -- In 2007 we switched over to Hartford to get cheaper rates and never once did they explain that our deductible is based on a percent of the home value. Well there is no way that I would have agreed on this which they know would be turned down. So what do you do with policies when you get them in the mail after talking to the seller, you put it up in a safe place until needed. Well we all know Hurricane Ike hit us here in Houston 2 weeks ago. The house faired well but took off the shingles on on side of the house. I called and reported the damage and it took almost 2 weeks to get an adjuster out and over the phone before he got here told me I had a 5% deductible which was in the amount of $7,900.00 leaving them paying me just over $600.00 total. Well I was furious and got on the phone and spoke with (won't say his name) that didn't know anything. He told me I had a choice of percents when the policy was written. He was belligerent, and rude. He put me on hold and when he came back he told me in this entire coastal area there is no choice, it's 5% of the home value and that's the way it is and they don't have to tell this when selling a policy.

I have called around to other insurance companies and all they could do was laugh saying it is standard to have a 2% deductible. Not 5%!! The bad thing, AARP recommend Hartford. Do you know how many of us live from day to day on fixed incomes in our senior days. Do you know how many belong to the AARP? Millions!! This deepens the pockets of the Corporate office from the CEO,of the Hartford and without the seniors of AARP, they won't get their yearly bonuses all the way down.

To hell with the senior citizens just trying to make it until they die. I have switched insurance companies and I hope this wakes up all you other seniors before you get the screwing I did. Cancel Hartford and get some quotes on different companies. Change now!!!!!!!!!!!!!!!!!!!

I just received a call from the VP of claims saying they looked at the transcript of the conversation that they taped when the policy was sold. (Now get this, I was told earlier there was no record of the call because it had been a year and all the sudden up jumps a tape saying the 5% was discussed but not what the 5% was for.) Anyway he said they were not making any adjustments because she had agreed to 5%. You would have to be BRAINDEAD to purchase a $7,900.00 deductable policy and my wife is a school teacher and very intelligent person and very tight with our money. I have now dropped the insurance from the AARP insurance program with the Hartford Insurance Co. I now have a 1% policy and 2% for wind paying less with State Farm on deductables. We also switched our cars over to State Farm as well and the whole policy was cheeper than Hartford for which they are suppose to represent the elderly with AARP. SHAME ON YOU HARTFORD, YOU ARE NOT THE ONLY INSURANCE COMPANY OUT THERE!!!
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Posted by steve101 on 2008-09-29:
You are supposed to READ a new policy that you get in the mail before putting it away in a safe place.The terms are plainly and clearly shown on the Declarations page of your policy. You wanted cheaper rates, that means you take on more risk in the form of a higher deductible.
Posted by RR on 2008-12-17:
I used to be in the appliance repair business and not the insurance business! I was under the impression the policy was $500.00 deductable or 5% of the total damage and in good faith that is why I filed away my policy upon receiving the policy. I can tell you how to repair a microwave oven and when you electrocute yourself, don't come back and tell me you forgot to read that part. You bunch of idiots. Since all this happened, they sent me a check for $600.00 on a $9000.00 repair. I sent the check back and told them they needed that money worse than me and didn't want any part of their insurance money!!!!!! I used my savings of $8500.00 and now have a new roof that I paid out of my pocket. I have since written a letter to Senator Kay Bailey Hutchison, explaining how The Hartford company are nothing but highway roberey specialists.
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Claims? Get a lawyer
Posted by EddieO on 06/10/2005
If you have a claim against The Hartford, I strongly recommend you get a lawyer. A Hartford client was ticketed for his actions that resulted in a collision between his truck and my motorcycle. No argument possible about fault.

The Hartford people separate the personal injury claim from the vehicle/property claim--unless it suites them to talk about both at once. But they seem error-prone or dishonest--I can't tell which--on both sides of the process.

The personal injury guy told me I have to eat the first $4000 in medical costs because of my state's laws. I believed him until I asked a lawyer, who told me that exclusion does not apply to motorcycle riders. If that was an honest mistake (from someone who does this all day every day) then it was pretty convenient.

The property claims folks were disorganized and dragged their feet quite a bit. The first time their mailed instructions differed from their phone instructions, I was told, "Oh you have to go with what is in writing." Then they sent me a written offer with an amount for my totaled motorcycle, but told me on the phone when I tried to accept the offer, "we are mistaken--it is cheaper to fix your bike--we take it all back."

I now wish I had called a lawyer as soon as I got done with the first doctor visit. I absolutely do not trust The Hartford.
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Posted by ccqmrp on 2007-03-30:
I hear you! I had an old lady run a stop sign and I hit her (again, no question about fault) and they tried to say that I was 15% responsible for the accident because I should have "seen her coming". It was a huge mess!
Posted by nutmeger on 2010-10-18:
nor should you!!! Always get a GOOD lawyer when against the Hartford. theirs are good so yours needs to be too. If not you WILL lose.
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Denial of my claim based on the case worker's prejudice
Posted by Www.godlydaniela on 09/13/2011
My worker's comp claim was denied, I strongly believe, because the case worker that was assigned to handle my claim was prejudiced. When I called to make my claim about my work injury, this lady's attitude was really rude, she was "taking down" to me the moment she heard my accent. I've been an American citizen for many years. Throughout the 20 years of my family and I living in the land of the free, we have plenty of" experience" in being prejudiced against because we are not born here. I'm fluent in three languages including English. However, this case worker from Hartford workers compensation didn't return some of my few calls when I called with questions regarding my claim.(She was rude and hateful in her answers to my questions when she returned a couple of my calls). She ignored most of my few past calls except this morning when she returned my call to tell me that she denied my claim. This claim agent has done this for one month, stringing me along. I have filed all the paper work she asked for. I believe that she already made the decision to deny my claim from the beginning of the claim process. She told me from the first phone conversation that I would get the least amount of money, she constantly, tried to "put words in my mouth"; statements that I was not making, she was "taking down" to me, like I was some illiterate foreigner; to state that she was rude is an understatement.
I haven't been this disrespected in a while.
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Posted by BEJ on 2011-09-13:
File an appeal with the Worker's Comp Board in your state.
Posted by spiderman2 on 2011-09-13:
I hate to tell you this, but this is how most WC claims adjusters are, it has nothing to do with your ethnicity. Hire a lawyer to help you through this.
Posted by Starlord on 2011-09-13:
In most cases, what spidey saysw is right. Worker's Comp seems to work a lot like SSDI. They pretty much deny everyone and hope you will go away. Appeal and keep appealing. I had to fight the SSA for three years to get my disability benefits. Not to be nit picky, don't you mean talking down to you? Is this Hartford the same company that offers car insurance for AARP? I was not aware they did Worker's Comp, that is usually a governmental agency.
Posted by Anonymous on 2011-09-13:
Starlord, workmans compensation is handled through private agencies such as The Hartford, JT2, not governmental agencies.

OP, you need to get a lawyer. Once the claim has been denied, the only way to fight is successfully is to get a lawyer. What you experienced it typical behavior from workmans comp. Once they've accepted you claim, it only gets worse. They drag their a**s on everything!
Posted by Starlord on 2011-09-13:
Mom, when I was injured on the job in Sandy Eggo, I had to deal with the California Workmen's Compensation Board, not Allstate or The Hartford. Sorry, but that is what happened.
Posted by lexophiliac on 2011-09-14:
In the vast majority of states, workman's compensation is solely provided by private insurance companies (TPI's) with a state governing board overseeing various public/private workman's comp systems. Federal employees have another compensation system.
Posted by Anonymous on 2011-09-14:
Lexophiliac is correct. I am in California and the workman's comp board is the governing agency however workman's comp insurance is provided by a private insurer. The board acts as a 3rd party mediator and enforces the rules. When your claim is denied, you *can* appeal it through the WC board but it is best to get a lawyer to represent you. My husband has been dealing with WC for 3 years now. JT2 is the private insurer that is handling his claim. All meetings & negotiations are held at the local state workmens compensation office and it is their judge who makes the ruling when you go in to arbitration but that's basically where it ends. If my hubby gets a new prescription, requires surgery, etc, it has to be approved by JT2 not the workmens compensation board. When he's out on disability, his wages are paid by JT2 not the state.
Posted by kinthenorthwest on 2011-09-14:
Due to all people who frauduantly claim workers comp, many worker comp employers have become hard nose. Along with that it is very very to get workers comp now adays, especially for injuries that are not (how do you say it ) very obvious..

There are so many people that have screwed the wc system with non-existant back injuries and emotional injuries...
Posted by lexophiliac on 2011-09-14:
Following along those lines, another daunting obstacle kinthenorthwest is that once an approved claim has been satisfied and closed, and a future issue(s) stemming from the original claim arises, it can be very difficult to get the claim reopened and compensated for.
Posted by fraudisbiggerwithemployers on 2013-08-09:
The truth is that for every dollar lost due to fraudulent claims there are many more dollars lost due to fraudulent employers not reporting the accurate number of employees hired
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The Hartford STD Do Not Support Their Claims Request 100%
Posted by Cdegraffdc on 01/17/2014
WHITSETT, NORTH CAROLINA -- Thr Hartford denied my short disability claim. They paid me for two weeks and after that nothing. My diagnosis was that I had a "stroke". My left side was not functioning at that time 25%. They thought I should be ready for work after two weeks - totally ridiculous! Not a good company to support.

The pain and suffering from this along made it difficult to heal effectively. To worry about your bills being paid while recuperation is taking place is not a good policy.
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Overall Very Good, But Very Expensive
Posted by Xplexus on 01/14/2014
TULSA, OKLAHOMA -- Introduced to the Hartford by AARP. When first insured by The Hartford, premiums were low and very competitive. Whenever I had claims they were prompt and their selected auto collision repair was excellent with only one disagreement (broken windshield from hailstorm was not included in the hail damaged body work; ten years ago, I still have a broken window because they wanted a second claim filed). All other storm and collision damages were promptly and equitably paid without much effort. I rate The Hartford a 4.9 of 5.0 on claims resolution. Premiums however are now just about backbreaking so I am changing insurance companies.
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No Communication After a Minor Accident
Posted by Wa123lb on 08/04/2013
VANCOUVER, WASHINGTON -- In late 2010, I inadvertently backed into and dented the plastic from bumper of another car. The dent was about 5 inches long and maybe 1/2 inch deep. I was at fault. The owner of the car I hit got it repaired to the tune of $770.00.

Because I was without insurance at the time, (I am insured now) I was liable for the cost. Rather than contact me, the Hartford sent the claim directly to a debt collector in Florida. I finally paid off the $770.00 and have the final receipt. If the Hartford treats everyone this way, no contact, then it is no wonder that they have the highest premium rates I have seen. I was seriously thinking about moving all my insurance needs to them, car, house and contents. But, after this experience, I do not even want to drive by any of their offices, much less go to them for insurance.
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Avoid This Company if You Value Your Sanity!
Posted by Juliebern2000 on 12/06/2012
MANCHESTER, TENNESSEE -- The Hartford has to be the worst company that I have ever dealt with. My local agent switched us to The Hartford without prior knowledge or our approval on January 1, 2012. The rates were absurd but it was too late to switch due to my escrow account already paying out before we even were given a quote. In the beginning of October 2012, we received a notice from The Hartford that they had randomly inspected our home and that due to slight curling of the shingles, our home was declared a hazard. We were given 2 weeks to have a roofing contractor to come evaluate and repair our roof and provide evidence that the work had been completed otherwise our policy would be cancelled. We hired a roofer and he said that we had hail and slight wind damage and should file a claim. By the time a claim's representative came out to inspect the roof, the 2 week deadline had passed and I notified the underwriting department of our progress. My roofer quoted a $4800 price to replace the roof... The Hartford sent a check for $870 and once the roof was completed and evidence provided, sent another $2600. So we were bullied into this new roof, to replace a non-leaking 14 year old shingled roof. Fast forward to the end of November and what happens? We receive a nonrenewal notice from The Hartford due to not repairing the hazardous roof! Phone calls were made and nobody within their arrogant staff was willing to even listen to our problem and certainly not try to find a solution to the main concern of nonrenewal due to hazards showing up on our file as we go to find a new policy holder. It took me calling them out on Facebook to even get an employee to listen, but they still didn't get this garbage removed from our file.... just the standard hired "apologizing and butt kissing" employee. I want to save anybody considering The Hartford from the stress and maddening situations that come with being their customer. I will be airing my grievances on any forum possible as well as contacting the Insurance Commission about their shoddy practices.
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Hartford Giant Ripoff
Posted by Raymon on 04/29/2012
After a quick review of a recent billing of my homeowner's policy through The Hartford I find out that the yearly policy amount has more than doubled. I am from Ohio and I knew something was up as compared to other policies from other companies. I am also in complete agreement with others who think the AARP is taking a large cut from these insurer's. I am now paying in one yearly billing to another company for more insurance coverage then I would have paid through Hartford in one quarter coverage. This is a scam and have even thought of turning them in to the BBB.
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Posted by tnchuck100 on 2012-04-29:
You must understand something here. The Hartford must collect enough money to support AARP's overwhelming necessity to keep everyone's mail box stuffed with a continuous flow of AARP propaganda. That costs money.
Posted by jktshff1 on 2012-04-29:
AARP....American Association for Ripping off People
Posted by jktshff1 on 2012-04-29:
tnchuck, use their prepaid return envelope. tear up the ad and mail it back to them.
Posted by raven2010 on 2012-04-29:
"turning them into the BBB" wont do anything---the BBB is not a regulatory agency and has no authority.

There is some good info here:
Posted by trmn8r on 2012-04-29:
For this kind of complaint, the BBB can't do anything for you.

It sounds like you took your business elsewhere, which is your most powerful course of action as a consumer. Filing a complaint like this alerts others who may not yet thought of doing the same. Helpful comment.
Posted by ok4now on 2012-04-30:
A few years ago Hartford offered me a great rate and I took it. No accidents or claims. Now the policy comes up for renewal with a $600 a year increase. Huh? I called customer service for an explanation. They said that their rates were being "adjusted" to reflect the current market. What B.S. I shopped around and went with the Amica Insurance Company. Rated number one by Consumer Reports. Their rate was even lower than when I started with Hartford. I cancelled the Hartford policy and have been happy with Amica.
Posted by CowboyFan on 2012-04-30:
It is not a scam; some companies charge more than others. It just shows the importance of being watchful like the OP has been.
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"Losing the paperwork"
Posted by Tylerdurden on 02/08/2011
To disclose, I work for an insurance company who's short term disability benefits are administered by The Hartford.

On Halloween I was jumped by some drunk idiots outside a bar while trying to catch a cab. Luckily for me, the police witnessed the entire incident and chased the perpetrators 4 blocks to arrest them. However, it was not conveyed from the officers to the EMTs the nature of the attack. I only learned a week later when the detective called me to ask if I had remembered being kicked in the head which I had clearly had no recollection of. To make matters worse, the ER techs only stitched me up and didn't even bandage me, let alone treat me for the stage 3 concussion I was eventually diagnosed with.

It took me weeks to get a specialist's appointment, and it took the doctors at the concussion clinic 6 weeks after the incident to establish that I needed time off and that my condition was regressing.

The Hartford doesn't seem to agree and tipped their hand to me on the 17th or so call still making an issue that I worked for almost 6 weeks after the incident, and has denied my claim twice -- not because they think my condition is not legitimate, but citing paperwork not yet received and losing doctors reports. Not helping me is that my doctors don't use e-mail and are very hard to reach.

Considering my condition left me in a space cadet state where I was misplacing my house keys on a regular basis, I'd say the Hartford is currently doing a pretty good job of exploiting me trying to get me frustrated and give up, since they can't really deny me any other way.

This probably could have been handled better if the EMTs and the ER treated me for a concussion but leave it to a for-profit insurance company to try to exploit the situation. And since I work for one, I'm not oblivious to what can happen in the industry.

I'm on Round Three of sending them doctors paperwork -- lets see what happens this time!
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