Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Excel Energy Employee
Ms. H contacted our firm following her receipt of a letter from her disability carrier, Hartford, terminating her disability claim after being paid disability benefits for nearly 8 years. Ms. H had been receiving long term disability (LTD) benefits since 2008 due to Severe Major Depression, Major Depressive Affective Disorder and a panic disorder. Before going on disability, Ms. H had worked as a Case Specialist for 15 years.
Throughout the entirety of her claim with Hartford, Ms. H’s treating physicians had consistently supported that Ms. H remained unable to work as a result of her medical conditions. Her medical conditions caused Ms. H to suffer debilitating symptoms including lack of energy, lack of motivation, on and off suicidal ideation, isolation, crying episodes, irritability, anxiousness, compulsive eating habits, and no motivation to socialize in addition to a number of other symptoms.
Despite the overwhelming support of Ms. H’s treating physicians, Hartford hired a physician to perform a peer review of Ms. H’s medical file. According to the peer reviewer, the treatment records of Ms. H’s psychiatrist and therapist did not support a psychiatric impairment. Ms. H’s psychiatrist disagreed with Hartford’s peer reviewer but Hartford chose to rely on the solitary opinion of its peer review physician, which supported its decision to terminate Ms. H’s benefits, and to disregard and ignore the opinions of Ms. H’s treating physicians, which remained consistent throughout the history of her 8 year claim.
Appeal by Dell Disability Lawyers on behalf of Ms. H
We went over Ms. H’s claim and agreed to take on her case. After reviewing the claim file from Hartford it became apparent that Hartford’s decision had been founded on an inadequate review by its peer reviewer, Dr. John Zincone. According to Dr. Zincone, there was a lack of information documented by Ms. H’s treating physicians. Moreover, Dr. Zincone attempted to attack Ms. H’s credibility despite never having examined her or even spoken with her. Dr. Zincone failed to acknowledge the fact that Ms. H’s treating physicians had been treating Ms. H for over 10 years. Ms. H’s treating physicians were therefore in a better position to assess Ms. H and make credibility determinations regarding the accuracy of her symptom reporting yet none of Ms. H’s treating physicians had ever shown any reason to question Ms. H’s symptom reports.
Ms. H’s appeal pointed out the errors in Hartford’s review and highlighted the support in Ms. H’s medical file including objective exam findings which supported Ms. H’s inability to perform in any occupation. The appeal stressed the fact that Hartford had failed to perform an in person examination of Ms. H yet relied on a doctor’s opinion that made a credibility assessment of Ms. H without the doctor seeing her even once.
Following the appeal submission, Hartford recognized its error and agreed to overturn its denial and reinstate Ms. H’s disability claim. Hartford has issued a check for all back benefits owed and with the help of Dell Disability Lawyers Ms. H will have the best chances of staying on claim for as long as she needs to.
Read more about Hartford disability claims.
Resources to Help You Win Disability Benefits
Submit a Strong Hartford Appeal Package
We work with you, your doctors, and other experts to submit a very strong Hartford appeal.
Sue Hartford
We have filed thousands of disability denial lawsuits in federal Courts nationwide against Hartford.
Get Your Hartford Disability Application Approved
Prevent a Hartford Disability Benefit Denial
Negotiate a Hartford Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Policy Holder Rating
Truly Horrible and Immoral Company with No Customer Service
Sent my Direct Deposit to a Strangers Bank Acct
Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment
Reply
Bad Faith
Denied by Hartford after 20 years of Payments
This company is a scam!
Hartford Stopped Payments
Q: Can the Hartford collect short term disability payments that they say were due to their own mistakes?
Q: Are insurance companies allowed to deny payment of short term disability benefits because I am collecting social security retirement benefits disability?
Q: Does Hartford reduce their monthly LTD payments after 30 months?
Q: Can The Hartford offset my LTD on my VA disability compensation or back pay?
Q: Can Hartford lower my long term disability check if I take my money out of my Vanguard account?
Q: Relocation
Q: Is it possible to write me a strict authorization form for The Hartford?
Q: Denied by Hartford for Long-Term Disability Benefits
Does Hartford Pay Disability Insurance Claims?
How Does Hartford Long Term Disability Work?
What Happens If My Hartford Short Term Disability Claim is Denied?
How Long Does a Hartford Short Term or Long Term Disability Claim Last?
If I Convert my Former Employee Disability Policy to a Private Policy Does ERISA Govern?
Is the Hartford Disability Purchase of Aetna Bad for Aetna LTD Policy Holders?
Hartford Disability Claim Problems
How Can I Protect Myself At A Hartford IME Exam?
Nurse With Knee and Back Disorder Wins Hartford Disability Appeal
Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford
A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
Hartford Denies Long Term Disability Benefits After Paying for 22 Years
Hartford Overturns Denial of Disability Benefits on Appeal
Hartford Approves Disability Claim After Appeal Deadline
Hartford overturned its previous denial of LTD benefits for Illinois Account Representative
Reviews from Our Clients






