• Applying for Prudential Disability Benefits? Top 5 Reasons for a Denial

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.

  • Prudential denied the claim based on objective medical evidence
  • Prudential's in-house doctor denied the disability claim
  • With no exam a third party medical company denied a Prudential claim
  • With functional limitations Prudential denied a disability claim because claimant has the ability to perform sedentary occupation
  • After a compulsory medical exam a doctor hired by Prudential denied the disability claim
  • Prudential denied claim based on a vocational consultant evaluation of employable with other occupation
  • Prudential ignored claimants treating doctor's opinion of limited work restrictions and denied claim
  • Based on video surveillance Prudential denied disability claim
  • My definition of disability changed from own occupation to any occupation and Prudential denied my disability claim
  • Prudential based your denial on a mental disability and not a physical disability

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.

Top 5 Causes of Disability Insurance Claims: 1. Neuromuscular Muskuloskeletal or Soft Tissue Disorder
Top 5 Causes of Disability Insurance Claims: 2. Mental Issues (Depression, Anxiety, PTSD, Bipolar)
Top 5 Causes of Disability Insurance Claims: 3. Nervous System Disorders (MS, Parkinson's)
Top 5 Causes of Disability Insurance Claims: 4. Cancer
Top 5 Causes of Disability Insurance Claims: 5. Cardia Diseases

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.

Questions About Hiring Us

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.

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   *****

Lisa M.

Great to work with, very experienced at what they do and truly work for the client. Always were available for questions and it was great not having to deal with the insurance company any longer. You definitely have to have a lawyer on your side. It was such a relief after contacting Dell & Schaefer. They took over everything allowing me the time to focus on my multiple sclerosis.

***** 5 stars based on 202 reviews

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