What Specific Requirement Did Hartford Fail to Meet in The Claimant's Disability Claim?

THE CLAIMANT was a former employee at Wright Medical Technology. He was suffering from the side effects of prostate cancer treatment when he applied for long-term disability benefits. But, his insurance company, Hartford Life and Accident Insurance Company DENIED HIS CLAIM because they stated they did not have enough proof of loss to evaluate his disability, specifically citing missing medical records necessary to make a decision.On April 11, 2020, the claimant filed an administrative appeal with Hartford, providing additional evidence to support his claim. Despite being required to issue a final decision within 45 days, Hartford failed to do so. HE ARGUED that this failure meant his administrative remedies should be deemed exhausted, allowing him to bring his case to federal court. Substantial evidence included additional medical records supporting his disability claim.LISTEN NOW to learn how to handle similar situations and protect your rights with long-term disability claims. Don't miss the INSIGHTS from our LEGAL EXPERTS. This is the oral argument in the 2nd circuit court of appeals.These public domain recordings are brought to you by Ben Glass Law, a national long term disability and life insurance firm headquartered in Fairfax, VA.By making these recordings into a "podcast," we've made the listening easier for claimants, attorneys and claims adjusters alike. If long term disability or life insurance benefits have been denied, we'd love to review your denial letter and give you a strategy for moving forward. This is a free service and you can go here to begin submitting your denial letter.