I recently applied for coverage and filed a Personal Health Application. What happens next?
Your application is reviewed by The Hartford’s Medical Underwriting department. Go to Health Applications for details on the application process after you log in to the site. • 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 d
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