Why Was My Prudential Long-Term Disability Claim Denied?

Why Did Prudential Deny My Long-Term Disability Claim?

Founded in 1875, The Prudential Insurance Company of America is one of the giants of the insurance industry. With more than $1.2 trillion in assets under management, $3.5 trillion in life insurance policies in force, and offices around the globe, Prudential has built a reputation as a leader in global financial services. As of 2019, Prudential ranked 50 on the Fortune 500 list and employed over 50,000 people worldwide.

Was Your Prudential Claim Denied In Bad Faith?

Unfortunately, insurance companies act in bad faith more often than one would like to believe. While Prudential would state otherwise, they have been known to cut corners by either delaying or denying long-term disability (LTD) claims.

One way they cut corners is by stating that claimants haven’t completed all of their paperwork or that their medical records are incomplete.

It’s more profitable in the long run for insurers to delay claims rather than paying them in a timely manner.

By giving policyholders the runaround, dragging their feet, denying LTD claims outright, or convincing policyholders to settle claims for less money, insurers bank on you not putting up much of a fight.

You Can Fight Back Against An Unfair Prudential Disability Insurance Benefit Denial

Prudential—along with other billion-dollar long-term disability insurance companies know they can increase profits by denying legitimate claims. These companies get so big because their #1 asset is their bottom line, not their customers.Why did Prudential deny my disability claim?

Prudential has a financial incentive to deny its policyholders’ claims for disability payments. In fact, most claims are denied during the initial review process.

Prudential has a well-documented history of wrongfully denying claims for LTD benefits.

As recently as 2018, they were charged with unfairly terminating a policyholder’s monthly benefits while they were still unable to work due to an illness, injury, or disability.

The case of Paquin v. The Prudential Insurance Company of America found that Prudential’s termination of LTD benefits was wrongful.

If you feel that your Prudential LTD claim was wrongfully denied or think that they are using delay tactics until you are too sick, too disabled, or too strapped financially to fight back, you may want to seek the advice of a local attorney.

What To Do After Prudential Denied Your Long-Term Disability Claim…

If you have received a denial letter for your Prudential LTD claim, your first step is to file an appeal.

After that, you’ll need to contact Prudential and get a copy of your entire claim file. It will provide all the information you need to continue with your case.

Make sure all of your medical records are compiled, that there is sufficient medical evidence to support your claim, and that all forms, paperwork, and documents are complete.

Remember, Prudential is a massive insurance company with very deep pockets and they aren’t afraid to use complex strategies and tactics against you.

If you feel like the deck is stacked against you, an experienced, long-term disability attorney can help level the playing field. They will advocate for you and help you get the benefits you deserve.

If You’re Thinking Of Filing A Long-Term Disability Claim, Get Our Free Report!

If you have any questions about your Prudential long-term disability claim, don’t hesitate to call our office at (985) 441-3448. We strongly believe in fairness and are committed to helping people like you get the best possible outcome for their LTD benefits case.

Loyd J. Bourgeois
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Nationally recognized attorney dedicated to fighting life's legal battles with compassion and care
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