judith's complaint:
June 20, 2013

Insurance Company: Hartford
Coverage Type: Disability Insurance

• Claim Handling - Fraud

In November of 2010 I applied for disability benefits through my Hartford Disability Insurance policy that I had purchased from Hartford through US Bank (I was an employee of US Bank). After drawing these benefits for several months Hartford's policy states I must apply for social security disability benefits. I applied for ss disability benefits and started receiving them in May of 2012. Social Security sent me a one time payment of $5,500.00 and started disability payments. Prior to the disability payments I had been receiving survivor benefits from my deceased ex husband. Hartford decided that all of my survivor benefits were back pay of disability benefits and wants $16,000.00 in back pay and has NOT paid me any disability payments since May of 2012. The only money Hartford can reclaim is disability payments. I went on the ss disability payout site to see how my survivor benefits were paid out and how the one time payment was paid out. All payments from July of 2011 through April of 2013 were coded as survivor benefits NOT disability payments and even the one time %5,500 payment is coded as a one time payment NOT disability. Meanwhile I have had to cash out every asset I own to meet bills and at this point I have nothing left to cash out, am in debt due to medical bills,cannot pay my rent and am looking at eviction, cannot, purchase insulin (I am diabetic) or my heart and blood pressure medications. I have written numerous letters to Hartford to no avail.

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