Hartford Disability Claim Denials

Has your claim for life, disability, or health insurance been delayed or denied by an insurance carrier in the Hartford Financial Services Group?

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Insurance Companies We’ve Challenged

  • Unum Provident
  • Unum Life
  • Metlife
  • Sunlife
  • Cigna
  • The Guardian
  • Hartford
  • Mutual Of Omaha
  • New York Life
  • Thrivent
  • Provident
  • Paul Revere
  • Reliance
  • Prudential
  • Lina
  • Liberty Mutual
  • Transamerica
  • Aetna
  • Standard
  • Reliance Standard

Why Do People Turn to Us?

When it comes to fighting for individual rights against a huge insurance group like Hartford, there is no one more passionate, more dedicated, and more skilled than the attorneys at Ronstadt Law. It is our mission as a law firm to make sure that companies like Hartford are held accountable for their actions – and that they provide the coverage that you expected when you signed up and made your payments.

Why Hire Us?

We have years of experience litigating against Hartford.

We work every case on a no-win, no-fee basis – if we do not secure you any compensation, then you do not owe us any money.

Over the years, we have successfully dealt with thousands of insurance claims, many of which involve Hartford.
Ronstadt Law is a highly respected company in the legal industry.

Our focus on client satisfaction sets us apart from our competitors.

There is no limit to the cases we will take on, including the most complex cases, those that involve litigation at the federal court level, and bad faith cases.

Hartford Financial Services Group

The Hartford Financial Services Group, also known as The Hartford, or Hartford Insurance Group (HIG), is one of the largest insurance companies in the world. Founded over 200 years ago, the company now operates internationally, providing insurance products for automobiles, life, health, disability, business, and other areas.

If your disability plan is insured by The Hartford, and you need assistance, then we will do what we can to help you. We will work tirelessly on your behalf to ensure that you get the maximum amount of compensation that is available.

The Hartford Group reported revenues of $20.74 billion in 2019, making them one of the highest valued companies in the United States. Much of that revenue, of course, comes from people like you paying their insurance premiums month in and month out. Unfortunately – when it comes to paying out for a claim, there is often either a delay or an outright denial of payment for reasons that may seem unfair to you.

Hartford often denies claims at what is called the “test change,” or the change in definition of disability, which typically happens at the 24-month mark of receiving disability benefits. We often find that Hartford will employ covert surveillance, send claimants to biased medical examinations, and then deny claims based on nothing but the biased evidence it has engineered. Hartford will use “employability assessment reviews” to identify jobs that it states claimants can do. Occasionally, these jobs do not even exist in the labor market!

Insurance companies like Hartford will often use different interpretations of the terms of your policy, leaving you with no compensation, despite having paid for coverage. There are teams of lawyers working for Hartford, and for other disability insurance companies, which can be extremely intimidating when you are on your own trying to fight back. Do not let them intimidate you.

At Ronstadt Law, we level the playing field. Insurance companies have their teams of legal support – now you have yours. We are experienced in taking cases as far as we need to in order to ensure that you get the money that you need and that you deserve.

If you have had your claim for disability, care or another insurance product denied or unnecessarily delayed by Hartford, then get in touch with Ronstadt Law. In most cases, we will take your case on a contingency basis, so you really have nothing to lose.

Why does Hartford delay claims?

You have probably heard the phrase “it takes money to make money.” In the case of insurance companies like The Hartford, this could not be more true – the bulk of their profits comes from investments: they take the premiums that you pay, along with all of their other customers, and invest that money.

It stands to reason then, that the longer they can keep your money invested, the more money they will make. This is why claims are often needlessly delayed – the longer it is invested, the more profit for them. Unfortunately, this comes at the expense of your wellbeing: while you are suffering and do not know how to pay your bills, your money is being used to make someone else rich. The federal law, ERISA, that governs many of these policies only further emboldens Hartford to delay claims.
If you feel that you are being given the runaround or your payments are being delayed for no reason, then get in touch – we will put the pressure on and make sure that you get the best outcome possible.

What can you do when Hartford denies your claim?

Depending on the governing law, you can hold them accountable by participating in the appeals process or seeking legal recourse with the help of an attorney. Insurance companies that try to get out of paying disability claims without a reasonable basis often engage in ‘bad faith’. If the federal law, ERISA, governs your coverage, then Hartford could be engaging in a breach of fiduciary duty and an abuse of discretion. Ronstadt Law can assess the governing law and your remedies for holding Hartford accountable. Insurance companies, like Hartford, handling claims in bad faith are taking advantage of their insureds and violating the promises they have made. We will do everything that we can to make sure that they do not get away with it.

Some examples of bad faith activities are:
  • Misinterpreting the terms and conditions of your coverage
  • Trying to settle your claim for an unfair amount
  • Using non-specialists or the wrong type of specialist to assess your medical conditions
  • Ignoring, discounting, or minimizing medical information
  • Acting as an adversary instead of assisting you with your claim
  • Not communicating with you properly or fairly

Hartford Appeal Process

If you believe that any of the above is happening to you, or you otherwise feel that your claim has been delayed or denied through bad faith, then you may need to appeal depending on the law. An appeal is a written request for the insurance company to reconsider evidence and its wrongful decision.

Appeals are subject to legal rules of their own. For example, an ERISA-governed appeal must be filed within a certain timeframe, and in the correct way, with supporting documentation. This can be where a lot of cases fail – misfiling your appeal can have serious ramifications, including the loss of your claim and legal rights. You should take advantage of the services of an experienced long-term disability attorney to help you prepare and file your appeal – especially if the federal law, ERISA, governs your claim.

100% free evaluation

If you are having difficulties in getting the full compensation that you are due from The Hartford, or any other insurance company, then we can help you. We can assess your case completely free and with no obligation, and advise you on the best way for you to move forward.

The Types of Cases We Manage

Long-Term Disability Claims

Long-Term Disability Claims

Long-Term Care Claims

Long-Term Care Claims

Life Insurance Claims

Life Insurance Claims

Insurance Bad Faith

Insurance Bad Faith



Insurance Appeals

Insurance Appeals

When to reach out to an attorney for help.

Always consult with a disability attorney before submitting appeals. The strength of a lawsuit depends on the quality of the appeal.

Insurance companies want you to give up – they save money when you do. Don’t give up! We routinely go up against insurance companies and know what it takes to get your benefits. With so much at stake to protect your livelihood, don’t go at it alone.

Most firms do not provide continued support after your case is won, but we do. We provide you with additional care and protection, because insurance companies use tactics to avoid paying disability benefits after claims are won.

Ronstadt Law Leadership Team

Erin Ronstadt

Founding Partner

Kyle Shelton

Kyle Shelton

Senior Partner

five star

Ray Ortega | July 2021

In 2020 I was dealing with a Long Term Disability (LTD) appeal issue with my private LTD provider. After exhausting “in house” appeal methods to no avail, I decided I needed to seek a professional legal team to assist me with my appeal.

I performed an internet search in the Phoenix area and read through several Disability Attorney websites and advertisements. I decided to reach out to Ronstadt Law and supply them with my basic information to have the firm perform an evaluation on my appeal case.

I received a very quick response on my evaluation we started the ball rolling on building information for my appeal. I was in possession of
numerous documents for my LTD appeal; Erin and her staff worked with me to receive these documents for my case file.

Throughout my appeal process, Erin and her staff allowed me to work hand-in-hand with them to provide comments on insurance documents provided by my LTD provider. This allowed me to stay actively involved in my case and to assist in providing responses to the provider.

Erin and her staff were very knowledgeable, professional, and courteous all the way to our settlement. We settled out of court in the summer of 2021. I highly recommend Ronstadt Law for anyone who has need for legal counsel pertaining to disability issues.


I sure picked the right Firm!

100% Free Case Evaluation

If you feel that Aetna, Hartford, or a subsidiary has wrongfully denied or delayed your claim for long-term disability, life insurance, or long-term care, then get in touch. Ronstadt Law will assess your case with absolutely no charge to you, and give you an expert opinion of your options moving forward.

Please note that Ronstadt Law has discretion to consider potential clients and can refuse to provide a free evaluation depending on several factors, including existing client commitments.

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