When someone has a chronic and progressive condition that prevents them from working, they do not miraculously heal, and they seldom improve enough to return to work. Unfortunately, Prudential has ignored this fact several times in our client’s case, putting a Navy veteran and retired loan processor through a stressful and unnecessary cycle of terminating and reinstating her long-term disability benefits.
Fortunately, our client knew to reach out to Dabdoub Law Firm for help. Attorney Edward Dabdoub was able to show Prudential the legal consequences of its actions and help our client get the benefits she deserved.
Details of Our Client’s Musculoskeletal Pain Claim
After serving as a member of the U.S. Navy, our client went on to work as a senior loan processor at JP Morgan Chase. She loved her job and had no urge to retire, but her severe musculoskeletal pain got in the way. The pain got worse and worse until she was unable to work in any occupation. Upon leaving her job, she requested long-term (LTD) benefits from Prudential.
Prudential approved our client’s claim and paid LTD benefits for 4 years. At this time, Prudential, which had previously acknowledged our client’s disability, reversed course and terminated her LTD benefits. Upon appeal, Prudential reinstated these benefits, recognizing our client’s disabling conditions once again.
Still, 2 years later, in February of 2020, Prudential once again terminated our client’s LTD benefits, falsely asserting that she could work in spite of the restrictions and limitations imposed by her musculoskeletal conditions. Prudential had no explanation for the alleged “improvement” of our client’s chronic and progressive conditions.
In fact, our client continues to suffer from multiple chronic pain conditions, including:
- Cervical and lumbar degenerative disc disease
- Lumbar radiculitis
- Bilateral early-onset osteoarthritis of the knees
- Myofascial pain syndrome
- Carpal tunnel syndrome
- Upper extremity overuse syndrome
- Severe obesity
- Diabetes mellitus
At every turn, the evidence reflects our client is unable to work. As such, Prudential’s behavior is not only inappropriate but also illegal.
Dabdoub Law Firm Explains the Law
Distressed by Prudential’s mishandling of our client’s claim, Dabdoub Law Firm highlighted medical records and legal precedents to show the company the error of its ways.
We felt litigation was unnecessary but were fully prepared to file a disability lawsuit if Prudential failed to comply.
In a step that benefitted everyone involved, Prudential once again restored our client’s benefits.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all our disability lawyers focus on disability insurance claims, we have expertise in disability insurance law.
That means we have:
- Experience with every major disability insurance company
- A proven track record of success in major disability lawsuits
- Recovered millions of dollars in disability benefits for our clients
We also never charge legal fees until your case is over – there are no costs unless our clients get paid.
Dabdoub Law Firmcan help at any stage of your disability insurance claim, including:
- Submitting a disability insurance claim,
- Appealing a long-term disability denial,
- Negotiating a lump-sum settlement, or
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers can represent clients across the country.
Call us at (800) 969-0488 or contact us online to speak with an experienced disability attorney. Consultations are free.