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ERISA Claims Against The Hartford

The Hartford insurance company offers life and health policies, workers' compensation, retirement plans and group benefits plans, including short- and long-term disability (LTD) policies.

The San Francisco Hartford Insurance claims lawyers at Pillsbury & Coleman, LLP, defend the rights of policyholders to receive the benefits for which they have paid. We bring life insurance and disability insurance claims appeals in ERISA and non-ERISA lawsuits against any insurer, including The Hartford.

If you have been denied benefits for life insurance or short- or long-term disability insurance, contact our San Francisco law office to speak with an experienced lawyer.


Like other dissatisfied short- and long-term disability policyholders, a frequent complaint against The Hartford is for lengthy delays in making decisions and failing to pay on valid claims. Injured and ill policyholders say that insurance company requests for medical records continue for months without a decision being made.

Policyholders also complain about invasive private investigations of their actions in order to find evidence that they are not as disabled as their doctor has stated. Policyholders have been followed, photographed, and some feel that the investigators tried to entrap them into undertaking activities they were medically told to avoid.

Often when policyholders or their attorneys have an opportunity to review their insurance file, they find that these private investigations have introduced many errors and sometimes outright falsehoods into the record. In some cases, clients' files say they were traveling when they were not, or that they were engaged in activities when they were not. Sometimes insurance companies rely on videotaped surveillance which depicts a person other than the policyholder!

Another problem clients and attorneys see when they investigate the insurance files are contradictory medical opinions from insurance-company-paid medical doctors who "review" the medical records and advise the insurer about paying on the policy. Rarely do these consulting doctors actually meet with the injured or ill person and it's not uncommon to find that their medical opinion differs from that of the doctors who actually work with the policyholder. Indeed, some insurance company doctors use nearly identical language in review after review.


If you have received a claim denial from The Hartford for an employer-provided life insurance policy or a short- or long-term disability policy, there are things you can do to protect yourself. Policyholders do have rights. Call our San Francisco office at 415-655-1549 or send us an email about your claim denial.