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The Prudential Insurance Company of America (Prudential) is a subsidiary of Prudential Financial. One of the largest disability insurance companies in the United States, it offers group disability and life insurance. However, insurance companies like Prudential often prioritize profits over the well-being of their policyholders. Unfortunately, this can lead to unfair long-term disability denials by Prudential that leave claimants in difficult situations.
Prudential’s history of unfair practices and denial of legitimate claims has led to nationwide investigations. If Prudential has denied your long-term disability claim, it is important to understand your rights and explore your legal options. Seeking the assistance of experienced legal professionals, such as the Ortiz Law Firm, can help you fight against Prudential’s decision and pursue the benefits you deserve. Don’t take “no” for an answer. Take action now to protect your financial stability. We will not let Prudential intimidate you.
Prudential’s Role in Long-Term Disability Claims
As one of the leading insurance providers, Prudential plays an important role. They act as long-term disability benefits administrators, processing and managing the claims submitted by policyholders. The company’s goal is to verify the accuracy of the information provided and ensure that the disability meets the policy’s requirements.
The claim review process may include:
- Reviewing medical records
- Consulting with independent medical experts
- Conducting interviews or surveillance
Understanding Prudential Disability Denials
Receiving a denial of your long-term disability claim from Prudential can be devastating. However, understanding the reason for the denial can help you navigate the appeal process more effectively.
Prudential usually denies long-term disability insurance claims for one of following reasons:
- Insufficient medical evidence is a common reason for denial. Prudential requires detailed and objective documentation of the claimant’s medical condition and limitations.
- Failure to meet the policy’s definition of disability may also result in a denial. Prudential evaluates the claimant’s ability to perform their job and may deny claims if they believe the individual can still work.
- Incomplete or inaccurate claim forms and missing documentation can also result in a denial. It is crucial that all required information is submitted accurately and promptly.
- Even if you provide medical evidence to support your claim, Prudential uses a team of doctors, examiners, and experts to evaluate your disability. These professionals may be biased toward Prudential, and their findings could potentially harm or work against your claim.
- Prudential may hire investigators to observe and document your daily activities through video surveillance. They may use the footage to challenge the validity of your disability claim.
- Social media often portrays the best aspects of our lives while concealing our challenges. Prudential may scrutinize your online presence for evidence that contradicts your disability claim.
- Pre-existing conditions or policy exclusions may be grounds for denial. Prudential may deny claims if the disabling condition is pre-existing or excluded from coverage.
If Prudential has denied your disability claim, contact us to schedule a free case evaluation. We work closely with our clients to develop their claim files. We will review your claim to determine why it was denied and what evidence is most important for your appeal.
Top Reasons Why Prudential Denies Long-Term Disability Claims
Recognizing Bad Faith in Disability Insurance Claims
If Prudential denies a valid disability claim without proper justification, this may constitute a breach of the principle of good faith and fair dealing, also known as acting in bad faith. Disability insurance companies must act in good faith when handling claims and should not unreasonably deny valid ones.
This means insurance companies should thoroughly investigate claims, fairly evaluate the medical evidence presented, and make decisions based on the merits of the claim. Denying a claim without a proper justificaion may constitute a bad faith denial.
When Prudential denies a disability claim unfairly, it violates the trust between the policyholder and the insurance company. It also violates the principles of fairness and accountability. Policyholders can receive the benefits they deserve by challenging these denials.
What to Do After a Prudential Long-Term Disability Denial

If Prudential has denied your long-term disability claim, don’t give up. Although it can be a frustrating and overwhelming experience, it’s important to remember that you have options and rights. Understanding the specific laws that apply to your case can provide valuable insight into the next steps you should take.
The Employee Retirement Income Security Act (ERISA)
One aspect of disability insurance that comes into play when your claim is denied is the Employee Retirement Income Security Act (ERISA). It is a federal law that governs most employer-sponsored disability insurance policies. Under ERISA, there are specific procedures and deadlines that you must follow to appeal the denial of your claim.
It’s important to review your policy and consult with a qualified ERISA attorney to ensure compliance with these requirements. Navigating the complexities of ERISA can be challenging, but having an expert on your side can greatly increase your chances of successfully challenging the denial.
What If ERISA Does Not Apply to My Claim?
If you have an individual disability income policy, your claim may be exempt from ERISA and instead be governed by state law. Claims by church or government employees may also be exempt. In that case, you may not have to file an appeal before filing a lawsuit.
However, state laws regarding disability insurance claims and appeals can vary, so it’s important to research and understand your state’s specific regulations. Consulting with a knowledgeable disability insurance attorney who understands your state’s laws can provide valuable, tailored guidance.
Whether you have a group or individual policy, our experienced disability attorneys are here to help. We will protect your interests against Prudential’s bad faith and fight to overturn your denial. We are experienced in disability law and will ensure that your insurer acts in good faith.

When is it a positive to need an attorney? Generally not. I found myself in need of an attorney to help me weave my way through the appeal process of a long-term disability denial of coverage at the 2 year mark. Ran into the wall known as Prudential. I vetted several law groups and settled with the Ortiz Law Firm as they have a proven track record and seemed to care about a positive outcome (not just about winning for their fee, but a genuine care for their client)! My main point of contact was Victoria “Tory” Boliew, a true asset to the attorney, Nick Ortiz. Quick to respond to my queries and she put together a solid, comprehensive appeal to a wrongful denial of benefits. Obviously I am more than pleased with the positive outcome, but equally as pleased by the professionalism of Ortiz Law Firm!

How to Appeal a Denied Claim
If your Prudential long-term disability claim is denied, the first step is to file an appeal. This process allows you to present additional evidence, address discrepancies, and make a strong case for why your claim should be approved. Here are some important steps to follow when filing an appeal:
- Understand the Denial Letter: Carefully review the denial letter to understand why your claim was denied. The specific reasons for the denial will help you identify the areas to focus on during the appeal process.
- Gather Supporting Documentation: Gather all relevant medical records, test results, physician statements, and any other evidence supporting your disability claim. Ensure these documents demonstrate the severity of your condition and its impact on your ability to work. If ERISA applies to your claim, this may be your only opportunity to submit additional evidence.
- Write a Strong Appeal Letter: Address each reason for denial in your appeal letter. You or your attorney should explain why Prudential should reverse its decision and provide detailed evidence to support your arguments.
- Submit Your Appeal Before the Deadline: Be aware of the deadline for submitting your appeal. If you miss it, you may lose your right to appeal. According to ERISA, claimants generally have 180 days after receiving notice of Prudential’s denial to file an appeal.
RELATED POST: Long-Term Disability Appeal Guide
Additional Evidence to Support Your Appeal
You can gather additional evidence to support your appeal to Prudential, including:
- Additional Medical Examinations: If Prudential denied your claim due to insufficient medical evidence, it would be beneficial to undergo additional examinations or consult with other specialists. This will provide further evidence of your disability.
- Reports from Your Treating Physician: Medical records may not always fully document the extent of your medical condition. A written report from your doctor can help highlight symptoms of your impairment that your records do not fully explain. Your doctor can also describe how these symptoms affect your daily functioning. Be open with your doctor about your condition so that they don’t miss any details about your symptoms.
- Opinions from Vocational Experts: Prudential may have denied your claim because they concluded that you can still perform the essential duties of your job or a similar one, if your policy uses the “any occupation” definition. Prudential may have based its decision on the opinion of an expert they hired, so it is important to get an unbiased evaluation for your appeal. Finding a vocational expert who can evaluate your occupation without bias can help determine whether you are truly unable to perform the required duties.
- Testimony from Family, Friends, and Co-workers: Testimony from people close to you can provide insight into how your condition affects your daily life. They may have observed firsthand how your impairment affects your personal life and work performance in ways that doctors have not. Such testimony can strengthen your case by providing additional evidence of how your disability affects your home life and impairs your ability to work.
Considering a Prudential Lawsuit?
Sometimes, filing an appeal is not be enough to secure the long-term disability benefits you deserve. If you are facing persistent denials or unreasonable tactics from the insurance company, taking legal action against Prudential may be necessary. If you are considering filing a lawsuit, here are some key points to keep in mind:
- Assess the Strength of Your Case: Consult with an experienced long-term disability attorney to evaluate the strength of your case. They can help you determine whether you have a valid claim and if filing a lawsuit is in your best interest.
- Determine Any Time Limits: There is usually a statute of limitations for filing a lawsuit. Each policy has different timeframes within which you must file your claim. It’s important to be aware of these deadlines to avoid losing your right to pursue legal recourse.
- Build a Strong Case: Work closely with your attorney to gather and organize all the necessary evidence, including medical records, employment history, and any correspondence with Prudential. This evidence will be critical in building a strong case against Prudential.
- Seek Legal Representation: Hire an experienced disability insurance attorney who specializes in long-term disability claims. If ERISA applies to your claim, ensure that your attorney is familiar with it. They can guide you through the legal process, negotiate on your behalf, and advocate for your rights.
Remember to consult with an attorney who has experience with long-term disability claims and can provide personalized advice based on your unique situation.
Federal Court Cases Against Prudential
We were not involved in the federal court cases listed below, but we have summarized them to help claimants better understand how disability law is interpreted and how the court decides such claims.
- Paquin v. Prudential – Insurer Wrongly Disregarded Opinions of Treating Physicians
- Seese v. Prudential – Court Rules ADA Claim Against Prudential Must Be Dismissed
- Nieves v. Prudential – Prudential Failed to Provide a Full and Fair Review
- Maher v. Prudential – Court Rules That LTD Denial Was Not Arbitrary & Capricious
- Doe v. Prudential – Court Rules That Mental Illness Limitation Doesn’t Apply
- Cowern v. Prudential – Vocational Expert Was Not Permitted to Consider All Records
- Ampe v. Prudential – Engineer’s LTD Claim Remanded For Further Consideration
How an Attorney Can Help You Fight a Long-Term Disability Denial
Having a long-term disability claim denied can be a frustrating and overwhelming. In this situation, seeking the assistance of a lawyer who specializes in Prudential disability insurance claim denials can be invaluable. A knowledgeable disability insurance attorney can provide guidance and support throughout the appeals process and help you take the necessary legal actions to combat a denial of benefits.
Having a legal professional on your side means having someone who understands the complexities of disability law and can guide you through the intricate procedures involved in appealing a denial. They can gather and review all the necessary evidence, ensuring that your medical records and relevant documentation are up to date and presented in the best light.
Additionally, legal representation serves as a strong advocate for your rights. Your attorney can communicate directly with Prudential and use their legal knowledge to hold the insurance company accountable for any unfair denials. An attorney’s expertise can help level the playing field and protect your rights.
Filing an Administrative Appeal
When faced with a denied LTD claim, one of the first steps is to file an appeal. This crucial stage allows you to present additional evidence and arguments in support of your claim. However, the appeals process is complex, and dealing with insurance companies and their legal teams can be challenging.
A long-term disability attorney can provide the expertise you need to strengthen your appeal. They can analyze the reasons for the denial, review your medical records, gather supporting evidence, and craft persuasive arguments to present to the insurance company. With their help, you can submit a comprehensive and well-prepared appeal, increasing your chances of success.

It’s always a difficult time when you’re forced to hire an attorney just to receive benefits that you are entitled to. I just want to say that Ortiz Law Firm has done an amazing job keeping me updated on every step of the process, which helped relieve some of my stress of the unknown. It was also tremendously helpful to no longer have to personally deal with the anxiety created by the constant bombardment of arguments and requests from the insurance company. Not every case is a guaranteed win, but having someone fight for my rights and argue on my behalf made it well worthwhile. I appreciate the ones willing to fight for our rights.

Navigating Lawsuits Against Prudential
A Prudential disability claim denial lawyer’s expertise really shines during the litigation process. These lawyers are experienced with applicable laws and regulations, such as ERISA. They will present compelling arguments and work tirelessly to secure a favorable outcome.
Enlisting the help of a Prudential disability insurance claim denial lawyer can level the playing field throughout the appeals process and potential legal action against Prudential.
A Long-Term Disability Lawyer at the Ortiz Law Firm Can Help with Your Claim
If Prudential has denied your long-term disability claim, know that you have options. You don’t have to face this challenge alone. The Ortiz Law Firm is dedicated to fighting for your rights and getting you the benefits you deserve.
Remember, overturning a denied LTD claim can be complex and challenging. Seeking legal assistance early on can provide you with the knowledge, guidance, and support you need to navigate this complicated process and increase your chances of a successful outcome.
We have a “No Recovery, Zero Fee Guarantee.” This means our clients only pay a fee when disability benefits are recovered.

Our Case Results
Don’t accept a denial without a fight! We have a proven track record of recovering millions of dollars in benefits for clients with denied disability claims. Below are some of the favorable resolutions we have achieved for Prudential disability claims.
- Successful Claim for RN with Migraines: A registered nurse with migraines had their long-term disability claim initially denied by Prudential due to a lack of objective medical evidence and reliance on the claimant’s self-reported symptoms. Despite providing updated medical evidence in our appeal, the denial was upheld. We filed an additional appeal, and Prudential ultimately deemed the claimant eligible for benefits, reinstating the claim.
- Mental Health and Insomnia Claim Approved: An account executive with depression, PTSD, anxiety, and insomnia had their long-term disability claim denied by Prudential. After two appeals, a peer review, and an independent medical evaluation (IME), the claimant was found to be disabled.
Schedule a Free Case Review
Don’t let Prudential’s denial prevent you from receiving your rightful benefits. Take action today to protect your financial stability and secure the compensation you deserve. Call (888) 321-8131 or fill out our contact form to schedule a free case review.
Frequently Asked Questions
Why would Prudential deny a claim for long-term disability?
Prudential may deny a long-term disability claim for a number of reasons, including lack of medical evidence, failure to meet the definition of disability, insufficient documentation, or a determination that the claimant can perform their job duties.
How do I appeal a Prudential long-term disability claim denial?
To appeal a Prudential long-term disability denial, you must follow the specific instructions outlined in your denial letter. This usually includes submitting additional supporting documentation, medical records, and any other relevant information to address the reasons for the denial.
What are my options if Prudential denies my claim?
If Prudential denies your appeal, you may have the option of filing a lawsuit against them. It is advisable to consult with an attorney experienced in long-term disability insurance claims to evaluate your legal options and guide you through the process.
Can I hire an attorney to help me with my Prudential long-term disability denial?
You can hire an attorney to help you with your Prudential long-term disability denial. An attorney who specializes in disability claims can provide valuable advice, negotiate with Prudential on your behalf, and represent your interests during the appeals process or in a potential lawsuit.
How long does it take to resolve a Prudential long-term disability denial?
The timeline for resolving a Prudential long-term disability denial can vary depending on several factors, including the complexity of your case, the availability of supporting evidence, and the efficiency of the appeals process. It is important to be patient and work closely with your attorney to ensure the best possible outcome.
Will hiring an attorney increase my chances of overturning a Prudential long-term disability denial?
While hiring an attorney does not guarantee a successful outcome, having legal representation can significantly improve your chances of overturning a Prudential long-term disability denial. An experienced attorney can navigate the complex appeals process, gather the necessary evidence, and develop a strong case on your behalf.
Are there time limits for appealing a Prudential long-term disability denial?
Yes, there are usually specific time limits within which you must file an appeal of a Prudential long-term disability denial. It is important to carefully review the denial letter and meet the stated deadline. Failure to meet the deadline may result in the loss of your right to appeal.
How much will it cost to hire an attorney for my Prudential long-term disability denial?
The cost of hiring an attorney for your Prudential long-term disability denial can vary depending on the attorney’s fee structure. In most cases, disability lawyers work on a contingency fee basis. This means that they are only paid if they successfully obtain benefits for you.