It's a little late, but part of your problem was with your attourney. The other second problem might be that website you used. http://www.disabilityinsuranceforums.com/. That disability website has an agenda if you ask me, like most of the web forums/blogs on important subject matter. You need to find an attourney upfront that fight the good fight all the way through court. This requires making numerous phone calls and interviewing these attourneys. The attourney should say so right before he takes your case. If not, you will get hosed when they try to force you to settle in arbitration or will not take the insurace company to court lke you found out the hard way. Regarding Hartford's surveillance. Here is an article on that.