With Prudential disability claims you need more than just your doctor's support. They can be a difficult company to deal with. You want and need to get your claim approved. You should know what to do to get your disability benefits. Our disability insurance lawyers can help you.
We specialize in helping people get disability benefits from disability insurance companies like Prudential. We can help with long-term disability claims, disability appeals, and lawsuits for disability benefits. Our firm can help people in any state.
Prudential’s Disability Policy Language
When filing Prudential disability claims, it is important to understand the legal terms in your policy. Most of their policies define total disability to mean you are unable to perform the duties of your regular occupation. This could be due to sickness or injury. After 24 months of disability benefit payments, you have to be unable to perform the duties of any occupation.
The disability insurance company will conduct an extensive review. They will decide if you are disabled from working in any occupation. You should expect this review and be prepared.
Prudential Disability Claims Denial
The company’s doctors will review your medical records when you submit a claim for disability benefits. Your doctors should complete the company’s capacity questionnaire or Attending Physician Statement to support your disability.
However, your claim will still be denied if the disability insurance company’s doctors do not agree with your doctors. This can happen if they do not agree with the restrictions and limitations your doctor's list. The disability insurance company’s doctors will not meet with you or even speak with you.
Keep in mind, you can still get approved. But, it is not unusual for them to terminate your disability benefits. This is because this company continues to review disability claims from time to time. When reviewing your disability claim, they might require you be examined by a doctor it chooses.
This is called an Independent Medical Examination or IME. The doctor the company chooses may not truly be independent. If your disability claim is based on a chronic pain condition, such as low back pain or fibromyalgia, Prudential may require you go to a Functional Capacity Evaluation or FCE.
If they ask, or require, you to attend an IME or FCE, call to speak with a disability insurance lawyer in our firm. You should know your rights under the policy.
Video surveillance is another tactic the disability insurance company uses to deny disability claims or terminate benefits. Surveillance can be done at any time. There is a good chance they order surveillance when you are going to the IME or FCE.
Lawsuit Against Prudential for Disability Benefits
Our law firm has filed hundreds of lawsuits for disability benefits. In cases governed by a federal law known as ERISA, the disability insurance company had an unfair advantage. The company would win a lawsuit for disability benefits unless their decision to deny benefits was completely unreasonable. This meant that Prudential had discretion. This is a very high standard for disabled people to prove.
However, our firm argued that their disability policy does grant the company discretion. The federal court agreed and they no longer have the upper hand in many instances.
How We Can Help With A Prudential Disability Claim
Our firm has represented many people with Prudential disability claims. We can protect your rights under the disability policy and law. Our disability insurance lawyers help at any stage of a disability claim: long-term disability claim, disability appeal, or a lawsuit for disability benefits. We represent clients nationwide.
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