Are all applications for coverage assessed by Medical Underwriting?
No. The Hartford only assesses certain applications. Most frequently: • If you apply for a level of coverage that is higher than the amount your employer’s group plan guarantees. • If you apply for a higher level of insurance than the amount you currently have. • If you apply for coverage within 31 days of a “qualified change in family status” (such as: marriage, adoption, birth of a child, divorce). • If you apply for coverage outside of your date of hire eligibility period. • My application for coverage was declined. Can this decision be appealed? Yes. If you feel you were denied in error, or you have additional medical information not previously submitted, you can send a letter to the address below requesting an appeal within 60 days of the date of the declination letter. Hartford Life Group Medical Underwriting P.O. Box 2999 Hartford, CT 06104- 2999 Appeals are processed by a Senior Underwriter within 30 days of receipt of the appeal request. The underwriter will review the entire
