The HartfordReviews of thehartford.com

I could not be more disappointed with my long term disability experience with Hartford. I applied through my employer, and it has been the most hostile and frustrating experience over the past five months. I originally applied in December 2023, however, their online portal was unable to accept my claim submission due to a technical bug within their system. I called customer service 10+ times to try to find a new way to submit my claim, and was given such a run around, passed between departments who either confirmed their portal was broken and offered no solution, or others who were unaware there was a problem and insisted there was no other way to submit my claim. It's profoundly clear there is little to no effective communication internally at this company, and customer service reps have very little idea how to actually answer basic questions. It took four weeks and dozens of customer service calls just to be able to submit my claim successfully, at which point I did not hear anything for nearly two months. I had to contact my employer to have them reach out to their Hartford rep, as my claim had been completely ignored with no confirmation of receipt or action. Once Hartford finally started moving on my claim, it was handed off between reps with no warning, and each new rep would send me letters restarting the process over and over as if there was no continuity to my claim. Additionally, their portal continues to not update accurately, so it's never clear what documentation they have and have not received and who my current rep is. They repeatedly send faxes to my doctors at the wrong number, and I often have to personally manage contact with my doctors and hand off forms because Hartford seems unable to do so effectively. They have repeatedly moved the goal post and put up barriers to completing my claim, such as claiming I missed the time to apply for state disability benefits (which I was never instructed I needed to do) and therefore they did not have to consider my claim because I was not exhausting "all possible benefits available to me". As I have gotten closer to finally closing this claim and providing pages and pages of medical documentation, they have recently began outright lying that information is missing despite me being able to point them to the exact document and page number where that information is provided. They either do not actually read the information they have received from my medical providers, or they are intentionally creating barriers to ensure my claim cannot close. It seems clear from every interaction I've had - ranging from assigned reps to customer service agents - that their company culture is determined to be as hostile to claimants as possible and ensure it's nearly impossible to have a successful disability claim get paid out. I wish I could get the past five months of stress and endlessly jumping through hoops back - it truly has not been worth the stress and strain. I hope employers actually read these reviews and seriously reconsider using Hartford as their disability provider. It is not a benefit to your employees and is a horrible sign about how much you actually value your employee's wellbeing.

We were insured with The Hartford for 17 years (blind loyalty!) because AARP recommended them. We had several policies (Home, Auto, Umbrella and a Rental Policy) and paid The Hartford a lot of $$ over the years with no loyalty from them! Between 2021 to 2022 our rates went up 34% and when I called and asked "why?" (no claims, no issues), they said, "to cover rising costs" and I asked "who's costs? Not ours, The Hartford's'?" and the CSR replied "Well, yes"! Then between 2022 and 2024 our rates went up ANOTHER 22%!! (again, no claims, no issues on our end, made our payments regularly and didn't even get discounts for good driver, etc.) and their advertised "disappearing deductible" is not true as far as I could tell! Cancelled them and saving over $2,500 annually! Glad they are in our rear-view mirror!

If I could give a zero I would! This company is horrible. Filed a claim though my job and never got an answer on if I was approved or denied. I called once a week and followed up with my claim and still haven’t received any money . I was given a final determination date of the 25th on that same date I called and was told nothing was needed. Then checked the website and seen they requested more information from my doctor on the same day after I was just told nothing else was needed. This company is so wrong and cruel to people who are out of work on short term disability

Zero communication from my "claim analyst" any step of the way- closed my claim (incorrectly) without ever speaking to me- I had to fight to get a direct number for my analyst since they do not respond to emails either; after multiple unreturned calls I obtained a number for their supervisor- left a message, no response from them either but at least shortly after that the issue on my claim was fixed. Now, again, claim closed with no communication to me- I had to log in and find the letter that they posted which would have been unnecessary because if they had called me the issue would have been resolved and they would not have to now, again, re-open my claim. No customer service at all- no communication and no care for their customers.

I got insurance both for my vehicle and home renters insurance. Why because I am older and good driver doesn’t have tickets. Well this insurance was so expensive! Is so ridiculous that they target seniors and instead of having rates more affordable base on the income? Their answer is was we are all paying more rates that is how it it? Instead of going down and having that ridiculous app, all the time on! Saying good driving! Nothing made a difference. But young people can actually get cheaper insurance for their BM or Mercedes? As I was told by them! Pay higher premiums rate as younger male and continue yo pay higher premiums as older? Don’t recommend!

I've been with Hartford for going on four years and in that time my premium has gone from just over $80 a month to over $180 per month with NO accidents and NO tickets, and they didn't bother to contact me even once via email or regular mail and let me know it was going up. They used to be the best company for seniors, but it's clear to me that they no longer are. They also rank far down the list of the best and lowest cost insurers now, and I'm done and I will NEVER go back.

We took our car to the auto repair shop in Utah that was recommended by The Hartford. The shop personnel took photos of the damage around the outside of the car and submitted them to the Hartford. The person from The Hartford who reviewed these photos felt that the damage on the sides and back of the car were not related to this claim. The car repair company was surprised that the damage to the sides and back of our car was not considered to be from the same incident because the scratches on the sides and the back of the car were so similar to the scratches and damage that was covered. We don't understand why the insurance company doesn't trust the opinion of the professionals at the repair facility that they recommended we take it to. We are paying the cost of the rest of the repairs out of our own pocket, which we feel we shouldn't have to do. One other comment we would like to make is that the highest level of coverage for Uninsured Motorist Property Damage is only $3500. We spoke to someone from The Hartford main office who told us that this is very unusual because in most states, the level is much higher. Because of this and because of our dissatisfaction with the underpayment from our comprehensive claim, we changed our insurance company. We also filed a complaint with the Utah Department of Insurance.

This insurance company is a scam. They left me to pay for damages to my vehicle when their client caused a wreck. Would not pay for a rental, and blamed the body shop for the bill mix up. The adjuster lied about this. I was copied in on all emails. Hartford overlooked or missed a bill and I had to pay $1800, without reimbursement. I also have had an attorney since a week after my wreck. The date was 11/22/23. It's now the middle of March.