Charles's complaint:
January 16, 2013

Insurance Company: Hartford
Coverage Type: Disability Insurance

• Claim Handling - Denial of Claim
• General - I feel abused by this company

My horrific experience with the Hartford! I was told this is the best disability insurance available, if that is true, everyone using the Hartford is in trouble. I have a back injury and The Hartford is the Long Term Disability insurance carried by Central Maine Medical Center in Lewiston, Maine. After 5 months of sending more and more paperwork, I have been denied on my initial claim and my appeal. I am now hiring a lawyer to get them to pay. I am asking for more money due to the suffering I have had to do because of no money to get my prescriptions refilled. Diabetic meds, pain meds and meds for high blood pressure (probably from dealing with The Hartford). I am about to be evicted, have my truck repossessed and lose everything that means anything to me because I cannot pay for it without income. They have an agent in Lewiston that cannot understand why they are not paying my claim. I was informed that i can only go after what they owe me and possibly legal fees. I should not have to go through all this and no one else should either. If I were able to work an 8 hour day, I would much rather be working than trying to walk 100 yards without needing my cane to help me get back home.

I've been told I seem depressed! Imagine that, not being able to pay your bills or by food and gas to get to appointments, the store, post office, etc and they think I'm depressed? Why wouldn't I be? I'm also losing my best friend and girlfriend over this due to the stress.

How can the insurance industry get away with ruining lives without any consequences? Are all the politicians that intimidated by them?

Just a word of advice to anyone looking for Long Term Disability, DO NOT GET THE HARTFORD! They took my premiums for 5 years and now that I need them, they are not there. I bet they would still take my money if I was still working!

Please, if your from Maine, tell me your story. I am in contact with the Sun Journal and trying to get a story in the news paper about this.

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