JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
Our client was a 58 year old private client advisor for JP Morgan Chase Bank. He was forced to stop working due to squamos cell carcinoma of the mandibular jaw. He underwent numerous operations on his jaw including reconstruction, tracheostomy and postoperative radiation therapy. Apart from chronic pain suffers dysphagia and is limited in terms of how much he can open his mouth. His ability to eat and chew is restricted which requires him to use a feeding tube for much of his nutrition. In addition his ability to communicate which is hugely important activity and requirement of his job as a client advisor is greatly restricted.
Prudential, the long-term disability insurer for JP Morgan Chase, initially approved his claim and paid for 24 months, which was the own occupation period under his policy. Shortly before the 24-month own occupation period was due to end, Prudential began a review to determine whether our client would be eligible for benefits after 24 months, which required him to remain disabled from any gainful occupation for which he would qualify based on education, training, and experience. Following a medical review where Prudential’s doctor contacted his oncologist, who allegedly said that our client had had a good response to chemotherapy and misinformed there was no speech impairment or physical limitations related to his tumor or surgery, Prudential terminated the disability claim. They also stated that while they understood that he was missing many teeth and required a feeding tube for most of his meals they did not see that he was restricted or limited from returning to work. They also acknowledged that he was receiving social security disability but stated that although one type of disability benefit may be approved it does not mean another type would be approved.
We appealed the termination of benefits challenging the decision by Prudential and the opinions of its physician. We submitted additional evidence showing that our client’s speech was indeed greatly affected and slow. We also provided certified opinions from his oncologist regarding his limitations in speech and other areas. Upon submission of the appeal, Prudential overturned its decision and recommenced payment of his disability benefits. He continues to receive LTD benefits from Prudential as well as social security disability benefits which to this day remain unchallenged.
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Prudential terminated my LTD, so now I have no income
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Prudential cancelled my policy amid COVID crisis
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I was sold a policy that I cannot use and no one will show me the policy
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Prudential verbally approved my claim and then sent me a denial letter
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It would cost me more to fight Prudential than to let them get away with their games
Prudential told me I would have a decision today, and now the need another week. Guess what, I'm still broke
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Q: I made a Short term disability claim with Prudential but they right away went to consider long term disability
Q: Prudential denied me STD due to a doctor who wrote personal things about me, like I still drive.
Q: Prudential is sending me to an IME but refuses to allow recording. Should I refuse to go to the IME?
Q: What can I do about my long term benefits that’s ending after 2 years?
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 Prudential deny me if SSDI approves me?
Q: How does Prudential calculate attorney fees?
Q: Can I sue my PRUDENTIAL LTD for the cost of hiring a disability attorney to get my benefits reinstated?
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