ATLANTA, GEORGIA -- I work for the world's largest retailer. I got the flu in November but still came to work through the holidays. After New Year I couldn't keep up anymore. I went to the doctor on January 5th,2010. I decided the best thing for me to do was to take a leave of absence since company policy states that after calling out for three consecutive days you must take a leave of absence. I continued to go to the doctor on a weekly basis since I was not getting better with the medicine I was prescribed. I filed a claim for short-term disability with the Hartford.
After five doctor's visits and four different diagnosis codes, my claim was denied. Since then I am still ill, have been to the emergency room, the urgent care center, a new doctor and now to see a specialist. Is the Hartford crazy? What part of my illness do they not get? I've been paying into short-term disability for years and can't get my money now that I need it. There's definitely something wrong with this system and it needs to be corrected. I am filing an appeal and will get a lawyer if need be!
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.
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.
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!
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 Crohn's 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!!
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.