The Hartford Insurance company has denied many short term and long term benefits. They send your medical records to third party vendors who work in their favor. Many of reviews can be found on the Consumer Affairs website. I have been disabled due to a car accident and they have denied benefits after waiting months for a response. They have no sense of urgency and lack of empathy for people who are truly suffering. Many people have became homeless as well as suffered terrible loss due to this company. They will rather deny you then pay what you are entitled for. They will antagonize you and threaten you if they are waiting for medical documents. They will not return calls and you have to babysit them through everything. Many people have suffered significant loss due to the practices of this company. They will have you go months and even years without pay while waiting for a response.