This case is a good discussion of issues that arise when you have mental nervous and physically disabling conditions. Hartford denied long term disability benefits three weeks before the change from own occupation to any occupation definition of disability. Hartford also denied claiming that the disabling medical condition was only for mental disabilities. This is a common denial strategy used by The Hartford.

In this video long term disability insurance lawyers Gregory Dell and Stephen Jessup discuss the details of the denial and the strategies taken to get the Hartford denial reversed. Hartford strategically denied benefits 3 weeks before the policy had a change of the disability definition. We show the details of our strategy to win the appeal and maximize long term disability benefits for our client. How can a disability claimant prepare for the change of disability definition from own occupation to any occupation? How do we continue to help our client after winning his Hartford appeal?