Is Applying For Prudential Disability Benefits Difficult?
The answer to this question depends on definition of disability in your policy, the severity of your medical condition and the type of job you are unable to perform. With proper guidance from our disability insurance lawyers, more than 95% of our Prudential disability insurance claimants are approved for either short or long term disability. Our success rate is high because we have handled thousands of Prudential disability insurance claims and we know what it takes in order to give our clients the best chance to be approved. Please watch our video above in which we discuss important information you should know about the application for disability insurance benefits. Contact any of our lawyers for our opinion about your ability to get your Prudential disability benefits approved and how we may be able to assist you.
When Should I Call A Lawyer To Help With My Prudential Disability Benefit Claim?
The best time to contact a disability insurance lawyer when applying for STD or LTD benefits is before you submit your initial application to Prudential. Don’t worry if you already submitted your application because we will still do whatever we can to achieve a claim approval. The initial application is the foundation of your claim and Prudential is looking for you to tell them every reason you cannot work in your occupation. Regardless of what you tell Prudential, they are looking at your claim from the perspective of how quickly can they get you back to work. The key to a successful Prudential disability benefit claim approval is to have very strong medical support for your restrictions and limitations.
Medical support is far more than your doctor filling out Prudential’s Attending Physician Statement with the statement that you cannot return to work. Prudential’s Attending Physician Statements are specifically designed to obtain limited information from your doctors so that Prudential can claim you lack sufficient medical support to approve the claim. Our disability attorneys draft custom Physician Statements for your claim and we work with you and your doctor(s) to submit strong medical evidence. Most doctors take minimal notes as they don’t expect their chart notes to be analyzed or reviewed by a disability insurance company. Disability insurance companies will commonly deny disability claims on the basis that a claimant’s medical records don’t have sufficient documentation of either a claimant’s complaints or functional limitations. We guide you through each visit with your doctor so that we can make sure your doctor is properly documenting your medical records.
Does My Job Type Make it Easy To Get Prudential Disability Benefits Approved?
The duties required to perform your job in conjunction with your medical condition will determine how difficult it will be to get your claim approved. In our video below we discuss the importance of making sure the disability insurance understands your occupational job duties.
When you apply for disability benefits Prudential will commonly require your employer to complete an occupational verification form that asks basic questions like your date of hire, number of hours worked prior to disability, job title and sometimes a request for a job description. Prudential asks your employer for minimal occupational information because they want to establish your job requirements based upon a generic job title and not based upon the specific manner in which you performed your job. Twenty people can have the same job title at twenty different companies, yet the responsibilities of each job are different. Additionally, an employer’s job description is rarely accurate in describing an employee’s job duties. When we submit a disability application for our client’s we provided detailed occupational information that describes the the physical and cognitive requirements of your job. Prudential tries to describe your job duties based upon a generic occupational class such as sedentary, light, medium or heavy duty. This technique is unfair to claimant’s as no one’s job should be defined based upon the ability to either sit for 6 hours a day with breaks, or frequently lift more than five pounds. There is a cognitive component to every job and the reality of being able to consistently show up for work and function with 100% focus for 8 hours a day / 5 days a week. Through the strategic drafting of your job duties we are able to force Prudential to evaluate how your medical restrictions and limitations prevent you from performing the duties of your occupation.
There are many more factors to consider when applying for Prudential disability benefits, but the factors will vary based upon the type of disabling condition and job you are unable to perform. We have handled just about every type of disabling medical condition and occupation. Contact us for a free review of your disability policy and a preliminary opinion about your ability to collect either short or long term disability benefits from Prudential. We appreciate you considering our law firm to guide you through this difficult time.
Resources to Help You Win Disability Benefits
Get Your Prudential Disability Application Approved
Prevent a Prudential Disability Benefit Denial
Negotiate a Prudential Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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?
Federal ERISA Lawsuit Filed Against Prudential After It Denies Long-term Disability Benefits to Insured With Parkinson's Disease
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.