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.
