If your Prudential Long Term Disability claim has been denied, you’re not alone, and you don’t have to fight this battle by yourself. At Marc Whitehead & Associates, our Prudential Long Term Disability lawyers have been recovering benefits for clients since 1992.
Our legal team focuses exclusively on disability insurance claims, including Long Term Disability denials by major insurance companies like Prudential.
Whether you’re preparing to file a claim, appealing a denial, or considering litigation, we’re available 24/7 and offer free consultations.
Call or text (800) 562-9830 or complete a Free Case Evaluation form
Prudential Has Been Unfair, Biased, and Unreasonable
There have been several court cases in recent years alleging that Prudential’s denial of disability benefits is unfair, biased, or unreasonable:
Examples of Prudential Denying Coverage
A policyholder was approved to receive Long Term Disability payments. After 24 months, Prudential reviewed the plaintiff’s eligibility and determined that the plaintiff no longer satisfied the definition of disability. However, the plaintiff was deemed disabled by the Social Security Administration.
Another claimant was receiving Short Term Disability coverage from Prudential. When the Short Term coverage ran out, Prudential denied the Long Term Disability payments, arguing that the plaintiff’s medical records did not support the plaintiff’s claim of total disability.
In a lawsuit for Long Term Disability, Prudential acted as both the payer of the insurance and the claims administrator for the plan.
When Prudential denied the claim for Long Term Disability, the plaintiff alleged that Prudential acted in conflict of interest by serving as fiduciary, insurance provider, and claims administrator.
For a free legal consultationwith a prudential long term disability lawyer serving Nationwide, call (800) 562-9830
Prudential Claim Denial Tactics
Prudential, like many large insurance companies, is known for denying or limiting Long Term Disability benefits. Even when legitimate medical evidence is provided, your claim may still be rejected due to internal cost-saving tactics or overly narrow interpretations of your policy’s definition of disability.
Some of the most common reasons for a Prudential Disability claim denial include:
- Selective use of medical records or ignoring key medical documentation
- Relying on internal reviews rather than your treating physician’s assessment of your medical condition
- Discrediting your symptoms due to a lack of objective evidence, like MRIs or lab tests
- Using surveillance to argue you’re more capable than you report
- Employing a vocational expert to claim that you can work in another capacity despite medical restrictions
- Alleging you failed to submit proper documentation or meet claim deadlines
These are not isolated mistakes—they are often part of a broader strategy to reduce payouts. If you’ve received a Prudential benefit denial, it’s important to seek legal advice before giving up on your claim.
Nationwide Prudential Long Term Disability Lawyer Near Me (800) 562-9830
How to File a Prudential Disability Appeal
The appeal process for a denied Long Term Disability claim is complicated and time-sensitive. Prudential must follow the rules set forth by ERISA, which governs most group disability insurance plans.
This means your appeal is not just a chance to plead your case; it’s your opportunity to build the full administrative record that will be used in court if your appeal is denied again.
Here’s how to file a Prudential disability appeal:
- Review the Long Term Disability claim denial letter carefully: The letter outlines why your claim was denied and how long you have to appeal (typically 180 days).
- Request your complete claim file: This file contains the documents Prudential used to make their decision, including medical records, internal communications, and third-party reviews.
- Identify weaknesses in Prudential’s reasoning: Compare their denial with your own documentation and identify where they may have ignored or misrepresented your medical condition.
- Gather additional supporting evidence: Provide updated medical evidence, evaluations from your treating physician, and documentation that directly addresses Prudential’s objections.
- Obtain expert opinions: In some cases, hiring a vocational expert or independent medical specialist can strengthen your case by validating your inability to perform job duties.
- Submit a clear and comprehensive appeal: Your appeal should be structured to directly address every reason listed in the denial letter and backed by solid evidence.
- Work with a Prudential Long Term Disability lawyer: At Marc Whitehead & Associates, our lawyers manage every aspect of the appeal process to maximize your chances of success.
If your appeal is denied and you haven’t created a strong administrative record, you’ll face significant obstacles if your case proceeds to federal court. That’s why working with experienced legal counsel from the beginning is essential.
Why Choose Our Prudential Disability Lawyers?
Marc Whitehead & Associates has helped thousands of clients recover denied disability insurance benefits. Our legal team has extensive experience handling cases involving Prudential and other major insurance companies.
We know the tactics insurers use and how to beat them. Here are some reasons clients trust us with their Prudential Long Term Disability denial cases:
- 120+ years of combined legal experience, specifically with disability insurance and ERISA law
- A strong track record of recovering Disability benefits for individuals and families
- We work on contingency, so there are no upfront costs for you, and we only get paid if you win
- Personalized case strategy for every client, with attention to your unique medical condition and job duties
- Free consultations
- Available to speak with you 24/7
When you hire Marc Whitehead & Associates, you’re getting more than legal representation. You’re getting a team that’s committed to restoring your financial security and peace of mind, and we’re not afraid to take on large insurance companies.
Prudential Long Term Disability Denial FAQs
If you’ve recently experienced a Prudential Long Term Disability denial, you likely have questions. Here are answers to some of the most common concerns our clients face.
What Are My Options After a Prudential Disability Claim Denial?
You have the right to file an appeal. The appeal process is your first and most important chance to fight back with strong medical records, objective evidence, and legal arguments.
How Long Do I Have to Appeal a Denied Claim?
Most Long Term Disability insurance plans give you 180 days to file an appeal. Delays can cost you your right to benefits, so act quickly.
Can I Sue Prudential if My Appeal Is Denied?
Yes, once all administrative appeals are exhausted, you may file a lawsuit in federal court. Our Prudential disability attorneys are experienced in litigating ERISA disability claims.
What Counts as Strong Evidence in an Appeal?
Medical files, rehabilitation records, treating physician statements, independent exams, functional capacity evaluations, and expert opinions from a vocational expert all strengthen your case.
Do I Really Need a Lawyer to Fight the Insurance Company?
Yes. The appeal process is legal in nature, and insurance companies take your claim more seriously when you’re represented. Without legal advice, it’s easy to miss critical deadlines or overlook key evidence.
How Much Does It Cost to Hire Marc Whitehead & Associates?
We work on a contingency fee basis, so you pay nothing unless we recover benefits owed for you. We also offer free consultations and are available 24/7 to discuss your case.
Contact Marc Whitehead & Associates to Speak to a Prudential Long Term Disability Attorney
If you’re dealing with a Prudential Long Term Disability denial, don’t go it alone. The appeal process is too important to risk without experienced guidance from a Prudential Long Term Disability lawyer.
At Marc Whitehead & Associates, we’ve been helping clients win disability appeals since 1992. Visit our FAQ page to learn more about disability insurance claims, then contact us for a free consultation; we’re here for you 24/7.