The Hartford Complaint - "Losing the paperwork"
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!