Attorneys Gregory Dell and Alexander Palamara from Dell Disability Lawyers discuss key issues surrounding Hartford disability insurance appeals. They explain that once a claim is denied, the appeal process can take six to nine months on average, due to the need for extensive preparation and documentation. Palamara emphasizes that claimants should never rush an appeal, since under ERISA law, only one appeal is allowed before a lawsuit becomes necessary.
The lawyers outline critical steps for a strong appeal:
- Obtain and review the entire claim file, especially the medical reviews Hartford relied on to deny the claim.
- Gather comprehensive medical evidence and updated statements from treating physicians tailored to the claimant’s condition.
- Develop detailed, strategic arguments that both address Hartford’s reasoning and prepare for possible court review.
They warn that quick, poorly supported appeals often fail and make lawsuits harder to win. The attorneys stress the importance of legal representation to manage the complex, time-sensitive process and maximize the chances of reinstating benefits.