chancecadecam
Junior Member
What is the name of your state (only U.S. law)? What is the name of your state (only U.S. law)? North Carolina
I had a ruptured splenic artery aneurysm 10 years ago when I was 8 months pregnant and have been out of work since. I was on short term disability the first year and then The Hartford made me apply for SSDI to off set their payments to me every month for long term disability. I have been receiving my social security payments for over 8 years and my short term then long disability payments for 10 years (short term the 1st year then long term the last 9 years).
I received my annual claimant questionarie form and physician statement from hartford a few months ago and returned both completed. The other day out of the blue I received a phone call from a man stating he wanted to come to my home a week later to "interview me". He said he worked for the hartford and just had about 45 minutes of questions. I told him that this was new to me and in 10 years nothing like this has occured. I called and spoke to the hartford and they gave me a song and dance about the interview being a "tool" they used. After his call I remembered telling my therapist that I thought someone had been following me so now it all makes sense.
I have researched this and know I should not meet with this man for many reasons including the facts he will survey my home, pictures, movements, manners and misconstrue anything I say. In addition he may surprise me with video survellience trying to trick me into saying something I should not. He also asked for a print out from the pharmacy of all of my medications which is not a problem to get for him but just seems so intrusive.
I am sickened and terrified and do not know what to do. I am not sure what my policy says but assume if I refuse him this interview then they can use that as their "reason". I have a bad feeling about this and am trying to get ahead of them before they do cancel my payments.
I fear I have made a mistake filling out my claimant forms as I always completed them stating my worst days for fear they would not understand that sometimes with the use of several powerful medications that I must "push through the pain" to interact as I have 3 children. I have always worried even though my doctors say I am disabled and my medical records list everything I say and prescriptions I take that the Hartford would never understand how hard it is to be in pain and sick yet have to function at times. They are not with me the next day when I have tripled my med's and am crying in pain.
I called several attorney's the other day but it was the day before Thanksgiving and did not get far. I did speak to 2 different attorney's the first warned me NOT to meet with this investigator and if I did to say I had legal counsel and if I could afford it have a court reporter with me. He said the investigator would probably leave. He also said it would be $400 per hour or about $11,000-$12,000 for him to represent me. The other attorney said he would not take on my case because my ltd payments of $650 were too low for his firm to take 15% out of each month.
I feel as if this is a catch 22 and I don't know what to do. I am desperate for help and advice. I don't have much time as the investigator wanted to meet with me in 4 days!!!! I have been naive to how brutal these insurance company's can be and need to wise up quickly to stop a denial and/or fight for my benefits.
My questions are what to do I do? I know the Hartford is ruthless, should I fight them, should I meet with him, what do I say and obviously they are trying to cut my benefits so how do I proceed and is there any hope we can't go into debt for a situation where a huge corporation who doesn't play by rules will win. I hate the thought of giving up but then I hate the thought of them doing this more!
Someone please advise me I am begging. My husband is a retired Marine and we have been through so much with my health and of course the war. This $650 a month and my SSDI payments are needed to live. Please please please guide me.
Regards,
T
I had a ruptured splenic artery aneurysm 10 years ago when I was 8 months pregnant and have been out of work since. I was on short term disability the first year and then The Hartford made me apply for SSDI to off set their payments to me every month for long term disability. I have been receiving my social security payments for over 8 years and my short term then long disability payments for 10 years (short term the 1st year then long term the last 9 years).
I received my annual claimant questionarie form and physician statement from hartford a few months ago and returned both completed. The other day out of the blue I received a phone call from a man stating he wanted to come to my home a week later to "interview me". He said he worked for the hartford and just had about 45 minutes of questions. I told him that this was new to me and in 10 years nothing like this has occured. I called and spoke to the hartford and they gave me a song and dance about the interview being a "tool" they used. After his call I remembered telling my therapist that I thought someone had been following me so now it all makes sense.
I have researched this and know I should not meet with this man for many reasons including the facts he will survey my home, pictures, movements, manners and misconstrue anything I say. In addition he may surprise me with video survellience trying to trick me into saying something I should not. He also asked for a print out from the pharmacy of all of my medications which is not a problem to get for him but just seems so intrusive.
I am sickened and terrified and do not know what to do. I am not sure what my policy says but assume if I refuse him this interview then they can use that as their "reason". I have a bad feeling about this and am trying to get ahead of them before they do cancel my payments.
I fear I have made a mistake filling out my claimant forms as I always completed them stating my worst days for fear they would not understand that sometimes with the use of several powerful medications that I must "push through the pain" to interact as I have 3 children. I have always worried even though my doctors say I am disabled and my medical records list everything I say and prescriptions I take that the Hartford would never understand how hard it is to be in pain and sick yet have to function at times. They are not with me the next day when I have tripled my med's and am crying in pain.
I called several attorney's the other day but it was the day before Thanksgiving and did not get far. I did speak to 2 different attorney's the first warned me NOT to meet with this investigator and if I did to say I had legal counsel and if I could afford it have a court reporter with me. He said the investigator would probably leave. He also said it would be $400 per hour or about $11,000-$12,000 for him to represent me. The other attorney said he would not take on my case because my ltd payments of $650 were too low for his firm to take 15% out of each month.
I feel as if this is a catch 22 and I don't know what to do. I am desperate for help and advice. I don't have much time as the investigator wanted to meet with me in 4 days!!!! I have been naive to how brutal these insurance company's can be and need to wise up quickly to stop a denial and/or fight for my benefits.
My questions are what to do I do? I know the Hartford is ruthless, should I fight them, should I meet with him, what do I say and obviously they are trying to cut my benefits so how do I proceed and is there any hope we can't go into debt for a situation where a huge corporation who doesn't play by rules will win. I hate the thought of giving up but then I hate the thought of them doing this more!
Someone please advise me I am begging. My husband is a retired Marine and we have been through so much with my health and of course the war. This $650 a month and my SSDI payments are needed to live. Please please please guide me.
Regards,
T