Consumer Beware of The Hartford
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 doctors 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 bakeup 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 Claims Manager for years and this is not how you keep costs down; at the expense of peoples livelihood.