BIL has had major back problems. He had surgery, which fixed one part, but created new pains that have kept him out of work. Fortunately, he has been paying for LTD through his job for 30 years. His policy is with the Hartford. His date of disability is 12/2016. He just got a note from his neurologist that he won't be able to go back to work at the least until March. The Hartford now wants him to file for SSDI.
They asked me to look at things last week and the first thing I asked was to see the policy. Well, after searching the website and their files, lo and behold there is no accessible link to the written policy. They called a week ago and still no policy has arrived in the mail and the Hartford is saying they need to get the SSDI process started in order to "avoid any delays in processing your claim." The Hartford has people in their call center that were eagerly willing to start the SSDI process for her over the phone. It seemed a little too eager to her and so she put them off.
Can anyone speak to this experience? I realize the Hartford is looking to reduce their out-of-pocket as much as possible and hoping SSDI will kick in, but is there anything to be nervous about utilizing the Hartford to help her file the SSDI claim? Would they be better off speaking with an attorney who handles SSDI/LTD claims? Are there components to the SSDI process that they need to think through about how to answer? If they go forward with the process, but later have issues, is there any reason they may want to seek an attorney in the future (ie, if March comes and he still can't return to work, etc)?
Thanks for the help!
They asked me to look at things last week and the first thing I asked was to see the policy. Well, after searching the website and their files, lo and behold there is no accessible link to the written policy. They called a week ago and still no policy has arrived in the mail and the Hartford is saying they need to get the SSDI process started in order to "avoid any delays in processing your claim." The Hartford has people in their call center that were eagerly willing to start the SSDI process for her over the phone. It seemed a little too eager to her and so she put them off.
Can anyone speak to this experience? I realize the Hartford is looking to reduce their out-of-pocket as much as possible and hoping SSDI will kick in, but is there anything to be nervous about utilizing the Hartford to help her file the SSDI claim? Would they be better off speaking with an attorney who handles SSDI/LTD claims? Are there components to the SSDI process that they need to think through about how to answer? If they go forward with the process, but later have issues, is there any reason they may want to seek an attorney in the future (ie, if March comes and he still can't return to work, etc)?
Thanks for the help!