Prudential and Reassure reconsider the occupation of insured at the time he claims disability

Michael Sullivan left the Knights of Columbus where he had worked as a financial consultant and began trading in the stock market for his own account at the end of 1999. He filed a claim for total disability benefits with Reassure in March 26, 2002, following an auto accident. On the application for disability benefits, Mr. Sullivan listed his occupation as “retired.” After filing his claim statement and other supporting documentation on June 5, 2002, Reassure denied his claim based on their evaluation that he was able to perform the daily functions of a retired person.

Mr. Sullivan filed an appeal and argued that his occupational duties prior to his disability were that of a day trader. Reassure again denied the claim, and Mr. Sullivan appealed this denial a second time on December 30, 2003.

Reassure then requested review of Mr. Sullivan’s file by an orthopedist and conducted an in-person vocational assessment with Mr. Sullivan. After considering these reports and the information submitted by Mr. Sullivan, Reassure concluded that Mr. Sullivan was not totally disabled as either a retired person or day trader, and therefore not entitled to long-term disability benefits under the policy.

At trial, the court held that Reassure’s actions in reviewing Mr. Sullivan’s claim was done promptly and appropriately, and therefore he is not entitled to benefits.

See Sullivan v. Prudential Ins. Co. of Am., No. 05-10030-GAO, 2007 U.S. Dist. LEXIS 68545 (D. Mass. September 17, 2007).

Leave a comment or ask us a question

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, GoToMeeting.com 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   *****

Shawn C. DDS

After developing a debilitating disorder which left me unable to perform my duties as a dentist I had to begin the process of filing a disability claim. I managed to secure two of the policies on my own but the group policy I had with Sunlife kept giving me the run around refusing to pay out. I soon realized I needed to find a disability attorney and that the insurance companies did not have my best interests.

After talking with a few different firms I decided to go with Dell & Schaefer. From the start the secretaries, record keeping, and Attorney Greg worked diligently on my case and within a few weeks we got a letter that the claim would be paid. I soon realized that this was one of the best decisions I had ever made.

Since hiring Attorney Dell almost 4 years ago things have run very smooth. He is thorough and very good at getting things accomplished in a professional and timely manner. He is a pleasure to speak to and always makes time for his clients. The staff has been very helpful and always willing to answer any questions.

When companies want to meet with me, Attorney Dell takes care of setting it up and makes sure that I always have some form of representation whether via phone or in person. I do not have a bad thing to say about this firm. They allowed my family and I to not have to worry about financial stress while going through this difficult time in our lives.

Thank you Greg, Anneli, Carolyn, and the rest of the team for being there for us. They are the best at what they do!

***** 5 stars based on 202 reviews

Speak With An Attorney Now

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