Prudential Financial is one of the largest disability insurance companies in the United States that offers group disability policies. Benefits from insurance companies like Prudential are meant to replace (some) of your wages if an illness or injury interferes with your ability to work for a certain amount of time. However, you may need an attorney in order to win your long term disability claim with Prudential.
Why Do I Need an Prudential Disability Lawyer?
Unfortunately, the insurance company will try to avoid paying benefits and does not always act in good faith. Many Prudential policyholders are denied the disability benefits they rightfully deserve. Some claimants are denied both short and long-term benefits from the initial application or claim for Prudential benefits. Some claimants are only approved for short term disability benefits. Others have their long-term Prudential insurance benefits terminated or cut-off after having initially been approved.
We have discussed a wrongful claim denial or termination of benefits with numerous claimants, most of whom are extremely upset that Prudential insurance company denied their long term disability claim at the very moment when they need benefits most. Receiving a denial letter can be upsetting and frustrating; however, the insurance company’s initial decision or cessation of benefits is not the end of the process. You have rights. Experienced disability lawyers can help you identify and protect those rights.
Depending on the circumstances of your Prudential disability claim and the language of the disability insurance policy affording your coverage, you may be able to either: (1) appeal the decision through an internal appeals process directly with Prudential, or (2) file an ERISA lawsuit in federal court with assistance from an experienced Prudential disability insurance lawyer. If you have been wrongfully denied our firm will fight to get your disability claim approved.
Get Legal Support During the Disability Insurance Claims Process with Prudential
We understand how important your insurance benefits can be to you and your family when you are sick and injured and unable to work. We also understand how difficult it can be to maintain the physical and mental stamina to file a disability insurance claim when you are already drained due to dealing with an injury or disability.
You do not have to face the disability insurance company alone, however. We will fight for your long term disability benefits so you can focus on your health. Mr. Ortiz is an experienced disability insurance claims lawyer with the skill and insight to help you understand your disability insurance coverage and to help you file a claim for the benefits you are entitled to. He has experience with group disability insurance policies as well as individual policies.
Legal Advice for the Prudential Appeal Process
Unfortunately, a large number of the disability claims filed with Prudential Financial are denied. Prudential policyholders have contacted us regarding the wrongful denial of insurance benefits or the improper termination of benefits. Despite the fear that this is “the end of the road”, the insurance company’s denial or termination of benefits is not final. You have the right to file an appeal directly with the insurance company or file a lawsuit.
If Prudential denied your LTD claim do not hesitate to contact us. We work closely with our clients in developing the claim file. Mr. Ortiz and his staff will help you understand the reason why your claim was denied by Prudential and help you understand what evidence is most important for your appeal. In doing so, we advise our clients on the steps to take to maximize the chance of winning an appeal and receiving LTD benefits from Prudential:
- Understanding the reasoning behind the disability denial, such as a pre-existing condition or mental health exclusion;
- Gathering any documentation specifically requested by the insurance company;
- Gathering all other necessary evidence, including medical evidence and job descriptions;
- Working with doctors to obtain their opinions as to the claimant’s “residual functional capacity” given the claimant’s physical and/or mental medical conditions;
- Potentially working with other experts such as accountants and vocational experts to gather expert witness opinions to support the claim;
- Understanding the disability policy and what is required to satisfy the claimant’s “Proof of Loss”;
- Completing the appeals forms; and
- Filing an appeal within the time limits allowed by your LTD insurance policy.
If your administrative appeal with Prudential fails, we help clients file a lawsuit for review by a federal judge. Most disability insurance lawsuits are governed by the Employee Retirement Income Security Act (ERISA), which is a group of federal laws that relates to employee benefits. We will protect your interests from Prudential Financial’s bad faith dealings while we fight to get your claim approved. We have experience with disability law and will make sure that your insurance carrier acts in good faith.
Hire a Prudential Long Term Disability Lawyer
Make sure you have the best chance of being approved by working with a Prudential Financial LTD lawyer. Nick A. Ortiz has successfully represented Prudential disability claimants nationwide in their fight to obtain or maintain their disability benefits. We are familiar with insurance companies’ tricks and tactics used by Prudential and will use that experience to help win your case. If you are unable to work and your claim has been improperly denied, delayed, or terminated then contact us online or call (888) 321-8131 to schedule a free case evaluation to discuss your specific Prudential insurance claim concerns.