Two Plaintiffs filed Employee Retirement Income Security Act (ERISA) lawsuits against the Prudential Insurance Company of America in Tennessee and Indiana Federal Court. In both cases it is alleged that Prudential wrongfully denied the claims of both Plaintiffs for long-term disability (LTD) benefits.
The Tennessee Prudential Case
The plaintiff was employed by Panasonic, thereby making her eligible for its long-term disability plan. While working for Panasonic and covered under this LTD plan, the plaintiff ceased work due to a disability. The Plaintiff continues to be disabled as defined by the terms of the Plan.
Prudential has only paid LTD benefits to the Plaintiff through May 30, 2009 despite continuing submission of evidence that the Plaintiff is still disabled. Plaintiff submitted an appeal of the denial and supplied medical evidence to Prudential to show her continuing disability.
Prudential denied the Plaintiff’s appeal on February 11, 2010. Plaintiff appealed a second time and Prudential issued a second denial on March 24, 2011. Due to the Plaintiff exhausting her administrative remedies for LTD benefits, with the help of her disability attorney, plaintiff has filed this lawsuit against Prudential.
The Indiana Prudential Case
The plaintiff in this case was an employee for Microsoft Corporation, thereby making her a participant of the Plan that was insured by Prudential.
While covered under this LTD plan, Plaintiff suffered a disability that rendered her disabled according to the terms of the Plan. Plaintiff made a claim to Prudential for LTD benefits, which Prudential initially approved. However, Prudential eventually terminated Plaintiff’s claim for LTD benefits, claiming that Plaintiff was not disabled under the terms and conditions of the LTD plan.
Plaintiff appealed the decision, which Prudential denied. Plaintiff submitted a second appeal, and again, Prudential denied the appeal. Plaintiff has exhausted her administrative remedies for LTD benefits. She has filed this lawsuit against Prudential, claiming that Prudential failed to pay LTD benefits as described under the Plan and failed to adequately describe any additional material that was needed to perfect her claim, as well as explain why submitting such additional material was necessary when filing her claim.
Relief Sought in the Lawsuits
In both of the aforementioned cases, the Plaintiffs seek the following relief from Prudential in their lawsuits:
- A judgment that the Plaintiffs are to be immediately reinstated to their respective LTD Plans, with benefits that should have been paid, along with accrued interest.
- A judgment that the Plaintiffs are entitled to all future benefits as listed in the respective LTD plans so long as they are considered disabled under the terms of their respective Plans.
- Full reimbursement for all attorney fees and costs.
- All other relief that the court considers to be proper and just.