Prudential Long Term Disability Claims Attorneys
Are you or your loved one having difficulty getting the long term disability benefits you’re entitled to from Prudential Insurance Company of America? Do not wait to contact Capitan Law. Our firm has extensive experience helping people across the U.S. with the claims and appeals process and knows how to help you get all of the benefits you need and deserve.
Founded in Newark, New Jersey in 1875, Prudential has provided customers with service for over 140 years. The company has been ranked as the number one life and health insurance company by Forbes magazine and has acquired approximately $1.2 trillion dollars in assets. Prudential is a prominent disability insurer of group disability insurance benefits.
Group insurance for employers that Prudential provides includes short-term disability and long-term disability insurance, and Prudential claims that more than 85 percent of short-term disability decisions are made within the first 10 days of notice. Prudential also claims that over 93 percent of long-term disability decisions occur within the earlier of the benefit effective date or 45 days from first notice.
According to the Prudential webpage about long-term disability insurance, their policy may act as a safeguard to replace a portion of your lost income, and the company will even work with you to provide rehabilitation. While these benefits sound reassuring, it is common for Prudential to dispute or limit coverage for group disability insurance claims. If you or a loved one have been wrongfully denied long-term disability benefits by Prudential, the lawyers at Capitan Law are prepared to help.
If you or your loved one have had a long term disability claim denied or need help completing an application with Prudential, know that you do not have to deal with these issues by yourself. You will want to seek the help of an experienced disability benefits lawyer.
Capitan Law can fight to make sure you get the long term disability benefits you are entitled to, and will fight to maximize your recovery of benefits per the terms of your specific disability insurance policy. Our attorneys can discuss your specific situation and how we can possibly be of service to you when you call (267) 419-7888, fill out a contact form, or chat with us live to schedule your free consultation.
Do I Need A Prudential Long Term Disability Insurance Claims Lawyer?
You file a disability claim because you are injured or ill. You are not at your best and you need someone to work on your behalf to get you the disability money you need to pay your bills while you recuperate. If your claim is disputed or limited by a disability insurance company, Prudential included, it is our general advice that the claimant should consult legal representation before moving forward on his or her own. Our attorneys know how to gather the correct, persuasive evidence that will support your case for disability, and we have the knowledge and experience necessary to build the strongest claim on your behalf. We will also handle all communications directly with Prudential during the appeal and claims process.
The heart of the problem is the structural conflict of interest present with most disability insurance companies. This occurs when the disability insurance company is the administrator of benefits (makes decisions to approve or deny claims) and is also the insurer of those same benefits (pays benefit claims which impacts the insurance company’s profitability). Such a structural conflict can impact a company’s fiduciary obligations to group disability insurance plan participants which can lead to wrong and unreasonable denials and terminations of long term disability insurance benefits.
In short, you may have an uphill battle against Prudential and an experienced long term disability insurance attorney can help lead the way.
Why Choose Capitan Law To Handle My Case?
Joe Capitan was named a Pennsylvania Rising Star by Super Lawyers in 2013, 2014, 2015, 2016, and 2017. He is a member of the Philadelphia Bar Association, Pennsylvania Association for Justice, and Pennsylvania Bar Association. He attended Bucknell University and received his Juris Doctor from the University of Miami Law School.
At Capitan Law, long term disability insurance claims are our focus. If you have been denied a long term disability insurance claim by Prudential, we want to talk to you. We are happy to discuss your claim and your legal options. Call us today at (267) 419-7888 and we can discuss your claim. If we take your case, there will be no retainer or other fees. We only collect attorney fees if and when you get the disability benefits that you’re owed.
Types of Prudential Long Term Disability Insurance Claims We Handle
At Capitan Law, our experienced disability lawyers are here to represent you at the administrative claim process with the insurance company and possibly in litigation. We have extensive experience helping clients with:
Applying for Benefits
Long term disability benefit applications can require a variety of important components including, but not limited to, clarification of the material duties of your occupation, phone calls, interviews, forms for the disabled claimant and treating physician to complete, and production of medical records. Prudential’s group long term disability insurance applications typically require three components: (1) the Employee Statement, which is a form providing basic information about the basis for the disability claim to be completed by the claimant, (2) a Physician’s Statement, which is a form in which your doctor provides information about your medical diagnoses and resulting symptoms, restrictions, and limitations, and (3) an Employer Statement, which is a form completed by your employer that explains your position, salary, and other relevant aspects of your eligibility for benefits and employment. We routinely advise people that a disabled individual can submit a long term disability application on his or her own. Legal representation is not required, but it can maximize the disabled individual’s chances of success. Most people filing long term disability insurance applications have never filed similar claims before so having the help and support of experienced disability insurance attorney can be beneficial during this daunting process.
The attorneys at Capitan Law have successfully represented disabled individuals in Prudential long term disability insurance applications. If you are interested in discussing the possibility of our legal representation in your LTD application with Prudential, please contact us at (267) 419-7888 to schedule a free consultation so we can discuss your options.
Appealing a Denied Disability Claim
If Prudential denies or terminates your long term disability insurance claim, you will be notified in writing. In the denial or termination letter, Prudential will provide reasons as to why they made the decision to deny, terminate, or limit your claim.
When you receive your denial notice, you will also have the right to request a copy of your complete long term disability claim file and policy. Either you or your disability insurance attorney can obtain a copy of your LTD claim file.
They will also send information about how to appeal the decision. Read the letter very carefully. It’s important to note the deadline for the submission of your appeal. Before you take any action (such as sending in a letter of appeal), you should consult with an experienced disability attorney who has experience with Prudential cases. An attorney will be able to walk you through every step of the appeal process and place you in the best position to be awarded the disability benefits you need and deserve.
The attorneys at Capitan Law have been successfully representing Prudential long term disability insurance policyholders for years. If your claim has been unfairly denied or terminated, contact us at (267) 419-7888 to schedule a free consultation so we can discuss your options.
Litigating Group Long Term Disability Insurance Claims
Once the mandatory level(s) of administrative appeal, or once all mandatory and voluntary levels of appeal are exhausted, a disabled claimant will often have the right to file a lawsuit against Prudential under the Employee Retirement Income Security Act of 1974 (ERISA) to further pursue the payment of his or her disputed long term disability insurance benefits. There are a multitude of considerations that goes into the filing of a legal action against the insurance company. Hopefully, the disabled claimant has already had the benefit of legal representation during the administrative claim and appeal process so that the record supports disability per the terms of the long term disability insurance policy and can withstand judicial review.
The attorneys at Capitan Law have experience in filing lawsuits against Prudential in federal court that seek to recover payment long term disability insurance benefits. If you have a denied or terminated Prudential long term disability insurance claim, please contact us at (267) 419-7888 to schedule a free consultation so we can discuss your legal rights and options.
