Prudential offers disability insurance coverage for members of the American Institute of Certified Public Accountants (AICPA). The purpose of this coverage is to provide a fixed monthly disability payment should you become disabled under Prudential’s disability insurance policy.
How Does the Policy Define Disability?
Under the policy, you are disabled and entitled to benefits if due to sickness or injury:
- You are unable to perform the material and substantial duties of your occupation as a certified public accountant (“CPA”); and
- You are not working at any job for wage or profit
This is an own occupation policy. In other words, as long as your conditions prevent you from working as a CPA (and you are not working another job), you are entitled to benefits.
How Long Can I Receive Disability Benefits Under the Policy?
Here is a breakdown of how long you can continue to receive benefits (so long as you remain disabled and unable to work):
- Until your disability ends without limit if you become disabled before age 50
- Until you turn 67 if you become disabled after age 50 and before age 65
- For 24 months if you become disabled after age 65
The Claims Process
If you are no longer able to continue working as a CPA, you should pursue a claim for disability benefits. First, notify Prudential of your intent to initiate your claim. Prudential will then provide the claim forms necessary to perfect your claim. Importantly, one of the forms will be for your doctor(s) to complete. It is critical that your doctors support your claim for disability benefits.
Our disability lawyers are familiar with this policy and Prudential. We recommend submitting more than just the claim forms and medical records and can help guide you to gathering as much evidence of your disability as possible. The goal is to overwhelm Prudential with evidence of your disability in addition to the forms requested.
Most people have disability insurance coverage through group policies provided by their employers. These claims are generally governed by a federal statute – the Employee Retirement Income Security Act of 1974 (“ERISA”). This law is complicated and favors insurance companies.
But your policy through Prudential is not provided through your employer. And so, ERISA does not apply to your claim. This levels the playing for you and affords you more leverage in your claim against Prudential.
Our attorneys know how to best position your case due to experience and familiarity with this policy. We have successfully obtained benefits for clients with the AICPA Prudential policy.
Help from a Lawyer with Expertise in Disability Insurance
Disability insurance law is complex. Hiring an experienced disability attorney is important. Because all disability lawyers at this law firm focus on disability insurance claims, we have expertise in disability insurance law.
- We have experience with every major disability insurance companyy;
- We have a proven track record of success in winning major disability lawsuits;
- We have recovered millions of dollars in disability benefits for clients;
- We never charge fees or costs unless our clients get paid.
The firm can 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, and
- Filing a lawsuit against your disability insurance company.
Because federal law applies to most disability insurance claims, our lawyers are able to represent clients across the country.
Call us at (800) 969-0488 or send us a message online to speak with an experienced disability attorney. Consultations are free.