Prudential Overturns Denial for Dell & Schaefer Client Suffering With Serious Back Conditions

Our client previously worked as a Vessel Pilot for the Ingram Barge Company. Besides being a Vessel Pilot, our client is a husband and a father of three children. Prior to this episode, our client was very active with his children, traveled, played sports, and enjoyed many outdoor hobbies such a fishing and hunting with his family. Unfortunately for our client, his life changed and will never be the same due to the condition of his back. He suffers from lumbar spondylosis without myelopathy, lumbar radiculopathy, as well as deep myofascial pain/severe tendonitis, and muscle spasms.

Due to his employment at Ingram Industries Inc., our client was covered under a Long Term Disability (LTD) Insurance Policy that was insured by The Prudential Insurance Company of America. This LTD policy was in place to provide financial protection for the employees of Ingram Industries Inc. in case they suffered a disabling condition that would leave them unable to perform the material and substantial duties of their occupation.

In March of 2013 our client was forced to apply for such benefits after he was unable to continue working at his occupation. Initially Prudential determined that our client was disabled and began paying him Long Term Disability benefits in August of 2013 after the elimination period expired. Our client received such benefits from Prudential until April 30, 2014. By way of a denial letter dated May 21, 2014, Prudential informed our client that his benefits would be terminated effective May 1, 2014. In support of its denial, Prudential relied upon an Independent Medical Examination (IME) and Covert Surveillance. The doctor who performed the IME apparently found no “objective findings to support any restrictions or limitations from any activities.” In the surveillance video, our client was observed “riding a sit-on lawn mower for 30 minutes, hand washing a full size pick-up truck for approximately 20 minutes utilizing a pressure hose, reaching overhead, standing on the bumper and bending at the waist several times and then following that, driving a vehicle for approximately another hour while (he) went to different fast food restaurants.”

Vessel Pilot Contacts Dell & Schaefer

After receiving the aforementioned May 21, 2014 denial letter from Prudential, the Vessel Pilot found Attorney Alexander Palamara of Dell & Schaefer. After having a chance to review Prudential’s denial letter and claim file, as well as the medical records from our now client’s treating physicians, a proper and timely administrative appealed was filed by Attorney Alexander Palamara at Dell & Schaefer challenging Prudential’s decision to deny further long term disability benefits.

LTD Denial Overturned by Prudential

Within 45 days of the filing of the administrative appeal, our client got word that Prudential had overturned its decision to deny benefits and determined that our client was “eligible for additional benefits.”

Although our client is currently relieved to be back on claim, he understands that the fight does not end. However, as a client of Dell & Schaefer, he feels assured that his attorneys will do whatever it takes to keep him on claim until he is able to return to work.

If you have been denied Long Term Disability Benefits by Prudential or any other insurance provider, please do not hesitate to contact the Attorneys at Dell & Schaefer for a free consultation.

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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, 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.

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