Millions of workers depend on long-term disability insurance provided through their employer to protect them if an injury, illness, or chronic health condition leaves them unable to work. So, when you need to access these benefits, it can come as quite a shock to have your disability claim denied by a company like Prudential.
At The Garner Firm, we provide skilled legal representation in appealing denied disability claims, and we’ve successfully taken on cases involving Prudential. We have a deep understanding of the actions needed to get LTD claims approved, and we put our experience to work for you, helping you receive the benefits you deserve.
Who is Prudential?
Formed in New Jersey in 1875, Prudential Insurance Company of America (Prudential) has since grown into the nation’s largest insurance company. They provide group long-term disability benefits for more than 3,100 clients, which translates into more than 2.1 million employees.
While many policyholders have positive experiences with Prudential, the company has been the subject of controversy more than once. Its practices have led to several high-profile lawsuits, including one in 1997 that required them to pay policyholders over $400 million in restitution for deceptive sales practices.
Reasons for a Prudential Disability Claim Denial
As with any insurer, Prudential is a for-profit business and one of the ways the company protects its bottom line is by reducing payouts on claims. Disability claim denials can happen for a variety of reasons. Among the most common are:
- Disputes over the terms of your policy and whether you are currently covered.
- Disputes over your condition and whether it falls under policy exclusions.
- Disputes over the severity of your condition and whether it qualifies as a long-term disability.
- Disputes regarding whether you submitted the appropriate forms or provided enough supporting evidence.
Prudential has been known to wrongfully deny disability benefits on many occasions, including terminating benefits for a policyholder who was deemed disabled by 16 different medical professionals. But luckily, there is help available for those who need to file an appeal.
Appealing a Prudential Disability Claims Denial
The Employee Retirement Income Security Act of 1974 (ERISA) is a complex federal law that provides guidelines for administering most employer-provided benefits, as well as for the appeals process. When a Prudential disability claim is denied, our Philadelphia long term disability attorney can guide you in how ERISA is likely to apply in your case while taking the following actions on your behalf:
- Reviewing your LTD policy and the terms of coverage.
- Reviewing all documents currently submitted to the insurer.
- Reviewing the reasons for your LTD benefit denial and gathering evidence in support of your claim.
- Appearing at appeals hearings and making strong legal arguments on your behalf to get your claim approved.
Request a Consultation with Our Experienced LTD Claims Denial Attorney Today
Receiving notice of a denied Prudential disability claim can be devastating. When a long-term disability happens, you will likely be counting on benefits provided by your employer to help you support yourself and your family. The Garner Firm understands how critical these benefits can be for working families, and we provide our clients the professional legal help needed to file an appeal. To request a consultation, call or contact our LTD claims denial attorney online today.