Prudential Financial is one of the largest disability insurance companies in the United States that offers group short term disability and long term 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. Unfortunately, many Prudential policyholders are denied the disability benefits they rightfully deserve. Some claimants are denied both short and long term disability from the initial application or claim for Prudential benefits. Others have their Prudential insurance benefits terminated or cut-off after having initially been approved.
We have discussed the wrongful denial or termination of benefits with numerous claimants, most of whom are extremely upset that Prudential insurance company denied their disability claims 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. Depending on the circumstances of your Prudential disability claim and the language of the Prudential disability insurance policy affording your coverage, you have the right to either: (1) appeal the decision through an internal appeals process directly with Prudential, or (2) file an ERISA lawsuit with assistance from an experienced Prudential disability lawyer.
Get Legal Support During the Long Term Disability Claims Process
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. Mr. Ortiz is an experienced Prudential 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 and individual policies.
Legal Advice on the Claims 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 appeal directly with the insurance company or file a lawsuit.
We work closely with our clients in developing the claim file. Mr. Ortiz and his staff will help you understand the reasoning behind Prudential’s denial, 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;
- Gathering any documentation specifically requested by the insurance company;
- Gathering all other necessary evidence, including medical records, medical bills, 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.
If your administrative appeal with Prudential fails, we help clients file an ERISA lawsuit for the review of the case by a federal judge. We will protect your interests from Prudential’s bad faith dealings while we fight to get your claim approved.
Prudential Long Term Disability Attorney
Attorney Nick A. Ortiz has successfully represented many Prudential disability claimants 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 your claim has been improperly denied, delayed, or terminated, contact us online or call (888) 321-8131 to schedule a free case evaluation to discuss your specific Prudential disability insurance claim concerns.