LTD Claim Approved for a Second Time for an Insurance Sales Agent after Prudential Denies Claim Based on Self-Reported Physical Capabilities

Despite Prudential’s numerous attempts to deny our client her long term disability benefits, Attorney Alexander Palamara was able to successfully identify the egregious mistakes in Prudential’s newest reviews and this resulted in Prudential’s second decision to overturn a denial on this claim. Our client once again has ongoing and current payments of long term disability benefits which she has received since 2012.

Our client suffers from numerous physical ailments, but was originally forced to stop work as an insurance sales agent in 2014 due to Sjogren’s syndrome and optic neuritis. Our client also suffers from Fibromyalgia, Arthralgias, Persistent Headaches, Fatigue, Vertigo, Cervical Degenerative Joint Disease, Neck Pain, Joint Pain, Lumbar Spine Scoliosis, Rheumatoid Arthritis, Profound Paresthesias, Bilateral Knee Pain, Bilateral Metatarsal Phalangeal Pain, Essential Hypertension, Cognitive Decline and Dysfunction, Moderate Mood Disorder and Mild Anxiety Disorder.

Despite all of these diagnoses and full support by multiple treating physicians, Prudential continuously attempted to deny our client’s claim and terminate long term disability benefits.

Denials By Lincoln, Appeals by Attorney Palamara

In its first denial letter of 2014, Prudential stated that after “a thorough evaluation of the information in your file, we have determined that you do not meet the definition of disability…”. Prudential stated that it had “determined that the information in (her) file does not support impairment that would prevent (her) from performing material and substantial duties of (her) own occupation.” As such, Prudential terminated her claim. Unable to grasp how her claim could be denied in light of her physical condition, our client found Dell & Schaefer to assist her with an appeal to challenge the wrongful denial. Attorney Alexander Palamara reviewed the claim and agreed that there was no question she should be receiving benefits as she had objective documentation to prove her claim.

In his first appeal, Attorney Alexander Palamara made several arguments which challenged Prudential’s denial and detailed the objective medical evidence supporting her claim, including the support of two of our client’s treating physicians, who opined our client did not have the capacity to perform any type of work on a full time basis.

Less than two months after Attorney Palamara filed his appeal on behalf of our client, Prudential agreed with Attorney Palamara and her long term disability benefits were reinstated and all back benefits that were owed to our client were paid in full.

Unfortunately, two years later in 2016, Prudential once again made the decision to deny our client her long term disability benefits. This time, Prudential stated that it had “determined that the medical information received did not support impairment that would prevent [her] from performing material and substantial duties of any gainful occupation.”

As is common in most group Long Term Disability Policies, what it means to be disabled changed after 24 months of benefits were received. In this case, in order to continue to receive benefits, instead of proving that she was unable to perform the duties of her own occupation, now our client had to prove that she was unable to perform the material duties of any gainful occupation. A review of Prudential’s denial letter and claim file revealed that Prudential’s decision was based on the opinion of an in-house clinical reviewer who found the opinions of two of our client’s treating physicians questionable because their restrictions appear “overly restrictive” given our client’s own claim reported abilities.

Attorney Palamara once again challenged Prudential’s decision, highlighting supportive objective medical evidence that was overlooked by Prudential in its review and emphasizing the highly questionable tactic of an insurance company finding fault in a claimant who reports a higher level of physical capabilities than her own doctors believe she is capable of.

Claim Approval

Thankfully, our client’s claim was once again reapproved and all back benefits that were owed were paid in full. With the assistance and support of her treating providers and their medical records, Attorney Alexander Palamara was able to successfully argue to Prudential that our client is unable to perform the material and substantial duties of her own occupation and unable to perform the duties of any gainful occupation.

Our client is relieved to be back on claim on claim and was happy to receive the benefits that should have been paid. Based on Prudential’s conduct, our client knows that the fight will never end, but she also knows that Attorney Alexander Palamara will do whatever it takes to keep her on claim until she is able to return to work or until her policy expires.

If you have been denied disability benefits by Prudential or any other disability insurance company, please do not hesitate to contact Attorney Alexander Palamara at Dell & Schaefer for a free consultation.

Questions About Hiring Us

Do you help Prudential claimants nationwide?

We represent Prudential clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Prudential disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Prudential. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Prudential.

How do you help Prudential claimants?

Our lawyers help individuals that have either purchased a Prudential long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Prudential:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Ken A.


5.0 stars


Most likely… if you are reading this now… you are searching for ‘The Right Disability Attorney’! Realizing that no professional, including Greg Dell, can make everyone happy, the attorneys at Dell attempt to. They are still representing my best interests and have literally collected every dime I am entitled to under policy. Insurance companies know that Greg Dell’s firm is large enough to have assets sufficient to fight if necessary. They won’t ‘roll over’ because they don’t have the money to stay in the ring. Your insurance company, I assure you, know who ‘Greg Dell’ is. After they receive that 1st letter from Mr. Dell, putting them on notice that they are no longer to contact you, (that ALL correspondence goes through him)… I assure you their ‘method of operation’ changes gears. Please listen to me.

It has been my experience that once you call your insurance carrier and tell them you are even ‘thinking about’ filing a claim – their ‘helping hands’ attitude changes immediately. You are no longer an asset… you have now become a ‘liability’. Your insurance carrier knows that they will never make another dime from you. From now on you will only cost them money… perhaps for the rest of your life. It’s just business folks… we try to mitigate liabilities. If they can find a way to stall, question and deny… most likely they will.

Understand that insurance companies make money three ways:

1. Collecting premiums.

2. Investing revenues.

3. Denying claims.

They have already collected your premiums and will now determine if they can justify denying your claim… they simply will.


If you are a professional and find yourself in the unfortunate position of filing a disability claim – I admonish you to not try this on your own!


Your decision is whether to hire a “disability claims consultant” or an “attorney” which specializes in professional disability claims. You’d be wise to decide upon the later. The reason being an attorney has “power” and “authority” and actually “represents you”. He/she has authority (power of attorney) to actually communicate with your insurance company and do “Whatever It Takes”. A disability claims consultant does exactly that… they “consult” with “you” (not the insurance company) and make recommendations… they tell you what to say and do.

Mr. Dell notified my insurance company that my claim was legitimate and justified and that they were simply going to pay my claim. 5 years later I have received every single payment, in full and on time!

If you have not decided yet… please listen to me. You are about to step on the field of battle with Goliath. You must never forget that these insurance people are good… very good. They know what they are doing. All day long claims adjusters look for ways to deny claims. They know all the tricks. Unless you are King David… you are going to need much more than a rock.

In conclusion consider this… right now you are not looking for a friend. You need someone who knows what they are doing… and does it exceptionally well. Do yourself a favor and call Greg… call him right now. I assure you… you’ll sleep much better tonight!

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us