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Ripped Off
Posted by on
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.
     
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Anonymous on 2009-01-23:
Was the 10% in addition to the one month's premium?
nanomarket on 2009-01-24:
I also have Hartford Insurance. Before I renew my policy I will ask whether they would impose a 10% cancellation fee. Thanks for the advice.
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Sent information
Posted by on
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.
     
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ticia232 on 2008-12-11:
You should post a complaint about your doctor's office, because insurance companies always ask if there is any way you could back to work and it is up to the doctor to inform them that it is still their diagnoses that you cannot.

I went through that with an on the job injury where I dislocated my knee, the doctor took me out of work for a minimum of six weeks and then the insurance company called them EVERY WEEK to see if I would be able to work. The office kept confirming that it was 6 weeks minimum I actually tore cartilage and was out for 4 months. If my doctor's office had taken the stance of yours I would be finding a new doctor.
Anonymous on 2008-12-11:
Arrange a conference call between Hartford and your doctor's office. It should take no more than 5 minutes to determine what 'additional information' is needed. The doctor can send the information right after the call. A compassionate doctor would be more than willing to take that amount of time. If the doctor is unwilling to do this, complain to the doctor's licensing board.
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Consumer Beware of The Hartford
Posted by on
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.
     
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Gando on 2007-02-08:
I know it's a frustrating experience.

Sounds like they needed to review your medical records, test results, etc.

Your next step is to appeal the decision. And attach all office visit notes from all your office visits.

Let us know the results of your appeal!
Gando on 2007-02-08:
When did your doctor take you out of work? When is your surgery scheduled?

I am confused about the following sentence "Plus, it is their mistake the forms needed to get my backup; which I do indeed have, were never sent in." Please clarify.

Which forms did you have? The HIPPA form? The attending physician statement?

Now, from what I know, the form (attending physician statement)needs to come from the doctor's office. It's a shame that a few bad apples (the ones that fill out the form and send it in, no visit to the doctor required) has forced honest folks to jump through hoops and send in every shred of medical information out there to get an approval
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Claims? Get a lawyer
Posted by on
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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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!
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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Arrogant staff, high fees, lousy service
Posted by on
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.‎
     
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Short Term Disability Denied
Posted by on
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 should 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 run around. Good luck!
     
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Soaring Consumer on 2009-03-04:
Have your employer send them a letter in certified mail that they will not allow you to continue working.

If they refuse to cover you after that then I suggest that you contact the National Insurance Crime Bureau. Their website is https://www.nicb.org/
ejack053824 on 2009-03-04:
Excellent Soaring!!
Anonymous on 2009-03-04:
If you have degenerative disease and fibromyalgia, that's not a short term disability. If you have long term disability insurance, that's where you should be applying. If not, I fear you may be out of luck. STD policies always seem to have a cap on them. That's what makes them SHORT term.
nutmeger on 2010-10-18:
you MUST get an expert attorney, one whom specialises in disability insurance claims, only shot you have! it is all so wrong on many levels unfortunately
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Short term disability denied
Posted by on
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.
     
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Anonymous on 2006-12-07:
Keep up the fight and don't let it go! Good luck
Gando on 2006-12-07:
Some questions for you, what is your waiting period? It should be in your company's plan book. Denied you twice? Have you filed two separate claims? I know with my plan I have the right to appeal the decision. Read your denial letter and follow the directions, send the appeal letter along with all medical information from your doctor supporting your time out of work.
Timboss on 2006-12-07:
What is your waiting period?
Gando on 2006-12-07:
"watch out" for what? You did not meet the waiting period. They owe you nothing. Unless you can prove you met the waiting period....
cowgill on 2006-12-07:
I am scheduled to be off from Aug 23,2006 until Jan 8,2007 They told me my waiting period was 14 days then your disability would kick in. I did send in appeal letter they said it would take 45 days to respond which is Dec 27, I told my employer but they said they couldn't do anything about it because it is between you and the insurance company. My doctor had faxed all documents twice to the company because they sent the same request twice. Even the doctors office said they never met such a company in all of there career that gives people this much trouble. She said it sounds like they are giving you the run around.
Anonymous on 2006-12-07:
cowgill; it does look like they are trying to give you the run around and that is because they are. It is what they do! But don't give up. good luck
Gando on 2006-12-13:
Did you send medical information along with appeal letter? I never trust my doctor's office to send my medical records, I fax them myself. Remember, those are YOUR medical records and no doctor's office should give you any trouble requesting the entire chart! (to fax to the insurance co) Wait until 12/27/06. Let us know what happens. You may have to do a 2nd level appeal. Best of luck.

cowgill on 2006-12-14:
The doctors office told me that they faxes my documents to them twice , because they kept faxing them asking for the same information. I will let you know what happens when on the 27th,
lwadkins14 on 2007-01-05:
Hartford is #1 in claims denial.Hartford Will give you a RUNAROUND.Hartford Will eventually cut you off "FROM CALLING EVERY DAY". HARTFORD will block your calls. I went through all of the appeals,calls, humiliation,denials that I was disabled etc. I was disabled in 1999.Worked at Walmart 10 years and carried Hartford short term and long term.I was approved by social security as disabled since 1999. I never got one penny from HARTFORD.It does no good to go to a lawyer because there is not enough money involved. ONLY 66% of WALMART salary on short term, then when you go to long term it is only 66% minus any thing you get from ss. They count that so you
could get nothing from them on long term. I have gone through a lot of STRESS with HARTFORD. I hope you have better luck,but this is HARTFORD TACTICS.
cub_koda on 2008-04-26:
I have dealt with The Hartford for almost 4 years now. they are the typical insurance company, they will continually ask for the same information, over and over again, in hopes of trying to, either confuse you, or just tick you off to the point of giving up.
part of it, could be your doctor. my neurologist told me that he is fed up with their petty games and wanting the same information repeatedly, to the point that he called himself while I was in his office and he told them that what they were doing to both of us(he and myself, was the same as harassment).
BUT, you have to have every "I" dotted, and every "t" crossed or they will deny you, and IF, I mean IF there is the slightest discrepency at all, in any of the paperwork that you submit, they will deny.
I got to the point where instead of sending in new paperwork, I would use "white-out" and change the dates and fax everything in, that way, no information is changed except for the dates.
I now collect ssdi, and hartford STILL wants information, for pete's sake, the us government social security division, has recognized me as disabled, what more could hartford need that they are still to this day needing more information?

when I first started dealing with them, I was having to make trips to my neurologist about 3 times a week for over a month(100 mile round trip each time) just to get paperwork done that they insisted they had to have and continually threatened me with denial until my dr called them, and if they weren't sending me letters 3 times a week with included paperwork that had to be filled out, they were calling me wanting information, the same information, repeatedly.
don't give up, be strong, and vigilant, as they prey on the ones that they hope will give up.
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