Prudential pays computer system engineer’s ERISA disability benefits after 3 unsuccessful appeals by the insured and his previous attorney

This client, a computer systems engineer, hired our firm to dispute Prudential’s decision to terminate his long term disability benefits following his own two unsuccessful attempts to appeal this determination and an unsuccessful formal appeal filed by his prior attorney. Under the terms of his policy, he received long term disability benefits for two years under an “own occupation” definition (the inability to perform the substantial and material duties of his own occupation due to illness or injury) and then for another year under the “any occupation” definition (the inability to perform for wage or profit the substantial and material duties of any job for which you are reasonably fitted by education, training and experience), which became the standard for eligibility 24 months after his date of disability.

This engineer’s benefits were terminated after more than three years of being on claim as the result of a medical examination and records review by Prudential’s own doctors. After being hired, we spoke with our client’s doctors and a vocational rehabilitation expert to better understand his claim. As the result of our research and a better understanding of our client’s specific computer knowledge, limited experience and training in other occupations, and his disability related restrictions and limitations, we took the position that he could no longer work, for wage or profit, in any job. Our attorneys then prepared and filed a formal 413 page appeal, including exhibits and other supporting documents. More specifically, this Appeal plainly illustrated the extent of our client’s disability and provided Prudential with records, letters, expert reports and other documents which established his inability to work at any occupation.

Approximately 30 days after we filed the Appeal, the insured was placed back on claim and received all back benefits due and owing to date.

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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, GoToMeeting.com 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.

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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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