Was Your Hartford Health or Disability Insurance Claim Denied?
The Zealous Insurance Denial Attorneys at Gianelli & Morris are Ready to Help
Becoming disabled after an injury or illness can be disorienting and downright frightening. You may find yourself unable to work, unable to perform regular daily activities with full steam, all while building up significant medical bills. In those circumstances, you expect to rely on the disability or health insurance you purchased individually or that was provided by your employer. Suddenly, you find that your insurance company refuses to pay out, relying on some ginned-up reason to deny your claims. What are your options?
Big insurance companies like Hartford sell insurance to millions of people, but they maximize their profit by avoiding paying out on actual claims. Sometimes, it seems like the insurer will look for any reason to deny your claims, whether that reason is legitimate or fabricated. When Hartford or another insurance company wrongfully denies your claims or engages in bad faith tactics, you can rely on the seasoned and dedicated insurance denial attorneys at Gianelli & Morris for assistance. Call our California insurance denial and bad faith insurance attorneys today to find out if you are a good candidate for an insurance denial appeal or insurance bad faith claim.
Who is Hartford?
The Hartford Financial Services Group (Hartford or The Hartford) is a Fortune 500 company that generates over $20 billion in profit. They are one of the largest providers of insurance products and other financial services in the country. They provide long-term disability (LTD), short-term disability (STD), health insurance, individual and group policies, property and casualty insurance, and a number of other insurance products. They provide individual policies and policies governed by ERISA.
Bad Faith Tactics to Watch Out For
Big insurance companies like Hartford are known to engage in questionable tactics meant to bully, trick, or otherwise coerce policy beneficiaries into accepting lowball settlements or dropping their claims entirely. If you are subjected to bad faith insurance conduct by Hartford, you might be entitled to recover more than just the value of your late or wrongfully denied claims. You could be able to recover for additional financial harm caused by delayed or denied payments, additional statutory damages, and even punitive damages for especially disreputable conduct.
Bad faith tactics commonly employed by insurance companies include:
- Ignoring medical evidence or scientific consensus
- Deliberately misreading policy language to justify an exclusion
- Failing to provide a reason for claim denial
- Unjustifiably delaying an investigation before issuing a decision on the claim
- Repeatedly requesting unnecessary or duplicative documents from the claimant in order to overburden them
- Delaying payments on a valid claim
- Requesting an independent medical examination by a doctor in the wrong specialty
If Hartford or another insurance provider has engaged in these tactics or otherwise wrongfully denied your claims, talk to a knowledgeable insurance denial and bad faith insurance lawyer for assistance. The sooner you act, the stronger your case will be.
Gianelli & Morris is Here to Help with a Hartford Insurance Denial
If your short-term disability, long-term disability, or health insurance claim has been denied, you do not have to take that rejection sitting down. A seasoned and passionate insurance claim denial attorney can help you fight back against the denial. We fight for the coverage our clients are owed, and we work to hold disability, health, and life insurance companies liable when they reject claims for unlawful reasons. We help injured Californians with health insurance claims, STD and LTD claims, denial appeals, and bad faith insurance allegations, whatever the stated justification.
If you have been sick or injured or have become disabled and need help pursuing a claim with Hartford, or if you are seeking to appeal a disability or health claim denial from Hartford or another insurance company, contact the dedicated and professional Los Angeles insurance denial lawyers at Gianelli & Morris for a no-cost evaluation of your claim at 213-489-1600.