Prudential and Long Term Disability – Appeal of a Denial Letter

Hi, I’m Nick Ortiz. I’m a board certified disability insurance attorney.

Today I’m here to talk to you about Prudential Life Insurance Company,  also known as Prudential Financial – or Prudential for short. You’re probably here because Prudential has denied or terminated your benefits for long term disability insurance benefits – or LTD benefits for short.

There are several reasons why Prudential may have denied your claim.

Perhaps the most common is that they’ve sent your file to one of their doctors for a review, and their doctor basically has concluded that you can go back to work.

A second reason why they might have denied your claim is because they’ve had your file reviewed by a vocational expert or a job expert. And that job expert has concluded that given the restrictions that they see in your medical record, or as defined by their doctor that you can go back to work.

A third reason why Prudential may have denied your claim is because of a change in the definition of the term disability. What that means is, that for the first two years of your policy they may pay benefits so long as you cannot perform the material duties of your job. That is your occupation, your own occupation or what we call own occ for short. But after two years, they typically will broaden that definition to see whether you can do any job or any occupation. And while Prudential may have agreed that you could not perform your own occupation, they may feel that you can do other work or any occupation and deny your case at that two year mark.

Fourth reason why Prudential might deny your claim is they say that there’s insufficient medical evidence to support the claim. What that may mean is, you stopped going to the doctors, so there’s no new medical evidence to support the case.

Or there’s been some improvement in your condition through the healing process and they think that based on that improvement you could go back to work.

So those are some of the basic reasons why Prudential denies claims.

But the good news is, that you do have the right to appeal either their denial of benefits, or termination of benefits. And that’s where talking to an experienced long term disability attorney can help. I personally have experience in handling claims against Prudential and long term disability insurance claims and we welcome an opportunity to speak to you about what your legal rights are as against that insurance company. So if you’d like to talk to somebody right away, then please give us a call at 850-898-9904. Otherwise, if you’d like some additional information, then I encourage you to download a digital copy of a book that I wrote called The Top 10 Mistakes That Will Destroy Your Long Term Disability Claim. You can download a free copy at Thanks for listening, we look forward to speaking with you.