Prudential Overturns Disability Denial to Chiropractor

Our client, a chiropractor in a busy New York practice, ceased working at the suggestion and advice of his doctors due to his complaints of shoulder and neck pain that was resulting in radiating pain into his arm and severely affecting his range of motion. He in turn filed his claim for long term disability benefits with Prudential under a disability insurance policy he had purchased through the National Business Association for Chiropractors. Despite support from his doctors that he would be prevented from performing chiropractic medicine, Prudential’s “clinical team” determined that there was insufficient medical evidence to support a loss of physical function that would have prevented him from working, and further noted that he had worked with these conditions to some extent since 2012 and as such should not be restricted from working as of the time of his claim.

The Appeal

Disheartened by the denial, our client did not take any action on filing an appeal of the denial until there was less than a month to submit his appeal. At that time he contacted Attorneys Dell & Schaefer and spoke with Attorney Stephen Jessup. In reviewing the denial letter and the policy it was immediately clear that Prudential was essentially treating our client’s claim as one that would be governed under ERISA- the body of law that applies to employer provided disability policies. However, our client’s policy did not fall under ERISA as he was not an employee of the National Business Association for Chiropractors, nor was it a true individual disability policy, instead it was an Association/Franchise policy, which fell outside of ERISA and in doing so functioned more like an individual disability policy. In treating his policy like an ERISA disability insurance policy Attorney Jessup believed that Prudential’s review was far from thorough and was more concerned in establishing our client had the ability to work at a sedentary or light duty demand level rather than actually reviewing the material and substantial duties of his occupation as a Chiropractor.

Attorney Jessup argued in the appeal that our client’s ability to perform normal daily activities were in no way an accurate reflection of his ability to perform the duties of that of a Chiropractor, which are by their nature very physically demanding. In addressing Prudential’s argument that there was a lack of evidence of functional limitations Attorney Jessup had our client undergo a Functional Capacity Examination in order to objectively verify our client’s subjective complaints of pain, as well as his physical restrictions and limitations. The results of the FCE verified what our client had held all along- that he would be unable to perform the physically rigorous duties of his occupation on account of his medical conditions. Attorney Jessup then sent our client’s doctor a detailed attending physician’s statement to further establish and support our client’s physical functional restrictions.

Despite the very limited amount of time left to file the appeal when our client contacted our office, Attorney Jessup was able to prepare and submit an appeal containing new, supportive evidence of restrictions and limitations. Following review of the information provided, Prudential notified our office that it was approving our client’s claim and forwarding all back benefits owed.


If your claim for disability insurance benefits has been denied, or you have questions pertaining to your disability claim, please do not hesitate to contact our office to speak to one of our disability insurance attorneys.

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.

Dell & Schaefer Client Reviews   *****

Patricia A.

I was very fortunate to have found Dell & Schaefer. It made things so bearable while I was going thru so much stress and pain with my RA. They were there and still are every step of the way. Dell & Schaefer put 100% and then some into my case. I waited approx. 6 months following my initial disability claim denial and when all was finalized Dell & Schaefer won my appeal. I felt like Dell & Schaefer treated me like a family member. They don’t just see you as a case number, they actually treat you like someone they know.

***** 5 stars based on 202 reviews

Speak With An Attorney Now

Request a free legal consultation: Call 800-682-8331 or Email Us