After our rates increased by more than 60% for no reason (no accidents, tickets or claims) we cancelled our policy a month after it renewed as we were researching other insurance companies. Upon cancellation, we were informed our state's law allows them to charge us up to 10% of our policy because we were taking money away from them that they counted on! This "law" was NOT on any of our policies, but they said they mailed us a brochure with our original policy. They refused to negotiate this matter and we've received no help from BBB or the state's insurance board.
Beware - I am on short-term disability; no question that I am unable to perform my job due to Carpal Tunnel. I was told by employer (Wal-Mart) to file with The Hartford, as they had me take a Leave of Absence until my doctors would release me back to work.
I filed, Attending Physicians Statement sent into them. Keep checking on the claim; it is pending. Then I hear it is being denied "as no medical records, proof of tests, medication or treatment" were sent into them. Well... guess what? The state of MO has HIPA laws which require The Hartford to request, in writing, my authorization to release the documentation to them. It is a form they must send into me or my doctor's office. After they had denied it, I brought this to their attention. They did fax over the authorization request, I signed it so the clinic and doctors could send the required info to them.
I took 3-4 days for the medical staff to obtain all of the information and send it out; which was at the very end of January. While it is still in the mail. I am still hearing, via their voice messages all this time, that my claim is still denied; not pending, mind you. I spoke to two separate people about this and they said, don't worry about that; it will say denied until we get the records. Lo & Behold, I get a letter, dated Feb. 1, 2007 from them, which was mailed out to me while my medical info was being sent to them; and the letter denied my claim because they had no medical backup so I was determined able to do my job.
Hey, the attending Physicians Statement clearly stated "Unable" to Lift, "Unable" to carry, "Unable" to do repetitive motion "Unable" to drive.... my own employer will not allow me to work, knowing my condition; yet The Hartford say I am able to. Plus, it is their mistake the forms needed to get my backup; which I do indeed have, were never sent in.
I faxed a letter asking them to contact me, today, and of course, in their normal manner; I have heard nothing. Here I am; no money since end of December; can't work; in physical and now mental pain. DO NOT WASTE YOUR MONEY WITH THIS COMPANY! THEY ARE CHEATS AND LIARS. I was a Claim's Manager for years and this is not how you keep costs down; at the expense of people's livelihood.
HARTFORD, CONNECTICUT -- I tried to open a retirement account with this company and was met with resistance and unresponsiveness to basic and general questions about how they do business. They also refused to give me the basic information I needed to adequately compare them to their competition. These problems occurred at all levels of supervisory position. It looks like their fees are much higher than the competition and their service has been poor to say the least. I went elsewhere.
I've been out of work since 10/20/2008 with herniated disk, tried "spinal decompression" and it not only made that situation worst it aggravated the neck and shoulder area. Turns out I have Degenerative Disk in most of my back. My disability has been terminated because they say I can still do light work, not sitting or standing for more than 30 min. at a time. My employer won't accept me back with the restriction, also have Fibromyalgia pain. Every time I call the Hartford I get the runaround. Good luck!
My doctor has sent information to The Hartford saying I am to be out of work until I deliver my daughter in January. I have been out of work since 10/17/2008. My ankles are extremely swollen and will not go down. I work with children with disabilities and it requires lifting and standing for long periods of time. The Hartford has been faxed a note stating this and they keep saying they need more information. They have only approved me for the first 21 days and two weeks after that. I am now 8 months pregnant with no money and the nurses at my doctors office aren't calling to update because they say they have given them enough information.
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 suits 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.
OHIO -- I work at Walmart Supercenter in Cambridge OH. I too have been calling the Hartford everyday asking "where is my money?" My doctor had put me on medical leave from 8/23/06 until 01/08/07. They have denied me twice now, stating I have not been disabled beyond my waiting period. I have had a time with these people too and I still haven't received my money. I am a kind of person that does not quit. So they better watch out and pay me my money.