What You Should Know:
- A seasoned Project Manager had their long-term disability (LTD) benefits from Prudential wrongfully terminated despite undergoing advanced psychiatric treatment for severe mental health conditions.
- Our client was actively receiving care, including Transcranial Magnetic Stimulation (TMS) therapy, after failing to improve with traditional treatments.
- Multiple treating providers confirmed that the individual could not meet the cognitive, emotional, or physical demands of their previous role.
- Dabdoub Law Firm focuses exclusively on disability insurance law and has successfully appealed LTD claim terminations across the country.
From Leadership Role to Disability Leave
For more than 20 years, our client held leadership roles in corporate project management. Their most recent position involved oversight of sales automation systems at a large, international organization. It required advanced problem-solving, real-time decision-making, and extensive collaboration.
However, a long and private battle with psychiatric illness eventually took its toll. By late 2024, the claimant could no longer sustain the emotional and cognitive output required to perform. Their mental health team recommended a leave from work and enrolled them in multiple levels of psychiatric care.
Prudential Initially Approved Long Term Disability Benefits Then Suddenly Cut Them Off
Our client was initially awarded LTD benefits after stepping away from their position. However, within months, Prudential abruptly terminated those benefits, claiming the individual had recovered. This decision was made even as the claimant was undergoing active psychiatric care, including TMS therapy and psychiatric supervision.
Documented Mental Health Conditions Ignored
The disability insurance company disregarded extensive medical documentation, including:
- Diagnoses of bipolar disorder, generalized anxiety disorder, obsessive-compulsive disorder, and personality disorders, all of which contributed to severe functional impairment.
- Medical notes from long-term treating psychiatrists documenting ongoing cognitive dysfunction, emotional instability, and persistent depressive symptoms.
- A history of non-response to conventional treatments, confirming that the claimant's condition was treatment-resistant.
Despite strict compliance with medications and therapies, our client continued to experience memory loss, lack of concentration, and inability to engage in sustained interpersonal or executive tasks. It was very clear the claimant was unable to work and entitled to disability benefits.
TMS Therapy as Last Line of Treatment
As part of a comprehensive care plan, the claimant was approved for Transcranial Magnetic Stimulation (TMS)—a cutting-edge, FDA-approved treatment used in cases of refractory major depressive disorder.
Clinical records showed they had completed numerous sessions with moderate to severe depressive symptoms persisting throughout. Their providers confirmed that without improvement from medication, TMS was essential and appropriate, further validating the severity of their condition.
Personal Accounts Support Clinical Findings
Several friends, family members, and former colleagues submitted letters in support of the appeal. They described:
- Cognitive decline that affected the claimant’s ability to hold conversations or complete basic work-related tasks.
- A withdrawal from daily routines, even failing to manage minor volunteer responsibilities.
- Observable personality changes and emotional distress, witnessed both at home and in the workplace.
Reinstatement Secured After Long Term Disability Appeal
The overwhelming evidence presented in the appeal left the insurance company with no credible reason to maintain its denial. The result:
- LTD benefits reinstated
- Retroactive payments issued
- Ongoing treatment recognized as medically necessary
- Financial relief restored to the claimant and their family
Mental Illness Can Be Just as Disabling as Physical Illness
This case reinforces that invisible illnesses like anxiety, bipolar disorder, and depression can significantly impair a person’s ability to function professionally. When insurance companies fail to fairly evaluate these claims, legal action may be the only path to justice. We can specifically help by:
- Filing a long-term disability claim
- Appealing a disability insurance denial
- Negotiating a lump-sum settlement
- Filing a lawsuit against your insurance company
Dabdoub Law Firm has successfully represented claimants across the U.S. with complex disability claims stemming from psychiatric conditions. We go up against every major insurance company, and we know how to win. If your LTD benefits have been denied or terminated, contact us today.