Dell Disability Lawyers Prove to Prudential that Its Decision to Deny Benefits Was Wrong
Our client was originally denied long term disability benefits by Prudential after he was forced to make a claim due to persistent symptoms related to a concussion he had previously suffered. He had worked as a Senior Project Manager for SNC Lavalin Corporation. Due to his symptoms that included post-traumatic headaches, vision impairments, decreased focus, sleep dysregulation, cognitive deficits, fatigue, dizziness, anxiety, and mood changes, the client was forced to leave work on December 17, 2011. During the time period of December 17, 2011 through September 4, 2012, the client was unable to perform the material and substantial duties of his occupation. However, beginning on September 5, 2012, the client was able to return to work full-time.
Although his short term disability claim was approved for the full 3 months after he initially left work, and although his long term disability claim was limited to a period of just March 16, 2012 through September 4, 2012, Prudential refused to pay the client any long term disability benefits.
Claimant Contacts Dell Disability Lawyers
After being denied in letters from Prudential in May and December of 2012, the client came into contact with Attorney Alexander Palamara of Dell Disability Lawyers on May 30, 2013. As the deadline for filing the administrative appeal was quickly approaching, Dell Disability Lawyers had to act quickly in order to timely file the administrative appeal that was due on June 19, 2013. Luckily for the parties involved, a copy of the Claim File had already been produced to the client by Prudential. Armed with 20 days and a team of experienced disability specialists, Dell Disability Lawyers were able to analyze and digest all aspects of the claim.
The Administrative Appeal
The Appeal filed by Dell Disability Lawyers was able to show the strengths of the client’s case as well as the weaknesses of Prudential’s earlier reviews. For instance, one of the client’s treating physicians opined that the client had no useful ability to function in regards to working in coordination with others due to psychological symptoms. Additionally, the doctor stated that the client would be unable to work at a consistent pace, nor would he be able to meet competitive standards. The doctor found that the client would have issues remembering work-like procedure; making simple work-related decisions; completing a normal workday and work week without interruptions from psychologically based symptoms; asking simple questions or requesting assistance; being aware of normal hazards and taking appropriate precautions; accepting instructions and responding appropriately to criticism from supervisors; getting along with co-workers or peers without unduly distracting them or exhibiting behavioral extremes; responding appropriately to changes in a routine work setting; and dealing with normal work stress.
In addition to arguing the strong support of the client’s treating physicians and their unrebutted objective opinions, the appeal also focused on the fact that Prudential’s internal appeals were guided by its inherent conflict of interest. As such, the appeal demanded that Prudential award the client full disability benefits for the period of March 16, 2012 through September 5, 2013, the date in which the client was able to return to work.
On August 9, 2013, Prudential informed Dell Disability Lawyers that its administrative appeal was successful and that the client would be awarded full disability benefits for the period in question.
Today the client is able to work full time. Thankfully, the client was ultimately awarded the benefits he deserved for the time period he was unable to work.
Should your claim be denied or if you have a fear that Prudential or any long term disability insurer might be planning to deny your claim, please do not hesitate to call Dell Disability Lawyers for a free consultation to discuss your case.
Resources to Help You Win Disability Benefits
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Policy Holder Rating
Prudential told me I would have a decision today, and now the need another week. Guess what, I'm still broke
Q: My mother paid many years for a long-term care policy. When she had to be put in an assisted care facility, Prudential won't pay. Do you accept cases like this?
Q: Can I sue my PRUDENTIAL LTD for the cost of hiring a disability attorney to get my benefits reinstated?
Q: Is it best to hire an attorney first and then file a complaint with Indiana Insurance License Board or do both? How long does it usually take to resolve a case like this?
If I File A Short Term Disability Claim With My Carrier And My Claim Is Denied, Do I Also Need To File A Separate Long Term Disability Claim?
Can the disability company limit my disability benefits to 24 months if I have been diagnosed with depression as a result of my physical disability?
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.