What do I include with my long-term disability appeal with the Hartford?

Video Summary

Kevin McManus Law offers free reviews of denial letters from Hartford, identifying inaccurate or incomplete information.
Objective medical evidence is crucial for showing the inability to perform job duties as defined by the policy.
It's important to review the policy definition of disability to align medical evidence accordingly.
An LTD attorney should examine how the condition affects daily life, incorporating client and witness statements.
There is a need to include as much relevant information as possible for the appeal, as further information might not be admissible in a federal court lawsuit if the appeal is denied, particularly under ERISA.

Contact Our Long-Term Disability Attorneys Today

Long-term disability policies and the law of ERISA strongly favor insurance companies. These laws were not written for consumers, and it is easy to make a mistake in appealing a long-term disability denial. You get only one try at an appeal. For this reason, we strongly recommend you consult with our ERISA-trained long-term disability attorney early in the process.

If you have already appealed a denial and it was still rejected, we can review your appeal to see if we can be of assistance. However, we do not recommend you wait to contact us or that you attempt to appeal your denial without our ERISA-trained attorney. If your appeal was insufficient, contact us immediately because ERISA laws generally prohibit submitting additional evidence later on. For further information, give us a a call at (816) 203-0143 and download our free book on LTD insurance.