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Welcome to Season 6, Episode 28 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into The Hartford Playbook: Surveillance, IMEs, and Claim Terminations.
Disability benefits are a financial safety net when an illness or injury prevents someone from working. But even after a claim has been approved and benefits are being paid, insurers may continue to scrutinize a claimant’s condition, medical records, and daily activities in search of grounds to terminate those benefits. In this episode, attorney Nancy Cavey pulls back the curtain on what some attorneys call “The Hartford Playbook”, a pattern of surveillance, independent medical examinations, paper reviews, and claim terminations that has repeatedly been challenged in federal court. Through three real Hartford disability cases, attorney Cavey examines how surveillance footage, statements from treating physicians, changes in plan administration, and reviews of years of medical records can become the basis for terminating Long-Term Disability benefits. Together, these cases reveal common strategies insurers may use to challenge claims and the legal arguments that can arise when benefits are placed at risk. This episode offers a closer look at the scrutiny that can continue after a claim is approved and provides insights for anyone receiving or relying on Long-Term Disability benefits.
In this episode, we'll cover the following topics:
One - Hartford IME Dooms Residential Treatment Nurse's Claim for Continuing Disability ERISA Disability Benefits - The Triple Tap Defense Game
Two - What Hartford Did When a Policyholder's Doctor Said "He Was Hopeful the Policyholder Could Return to Work In Six Months"
Three - Change in Employer and Plan Administrator to Hartford Results in Claim Denial of Benefits After Five Years of Continuous Payment of Benefits
Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.
Listen to Our Sister Podcast:
We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/
Resources Mentioned in This Episode:
LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind
LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits
FREE CONSULT LINK: https://caveylaw.com/contact-us/
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Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.
