Prudential offers both short-term and long-term disability insurance, with the promise of providing customer-focused coverage. For example, the company says it has a single dedicated claim number to coordinate communications, makes claim status available 24/7 online, and promises timely claims processing.
Unfortunately, there are times when Prudential does not live up to its promises, and it treats workers unfairly by denying them long-term disability coverage they should be entitled to. If this happens to you, you need help from a Prudential long-term disability denial attorney.
Julie A. Rice Law is here to provide that help. Our firm has represented many clients who have had claims improperly denied, and we have had many past successes in getting denials overturned during the appeals process. To find out more about how we can help, give us a call today.
Your rights after a Prudential long-term disability denial
Your rights after a Prudential long-term disability denial are determined based on whether your claim is covered by ERISA or not. Most claims are because ERISA governs workplace benefits.
When you have a policy covered by ERISA, you must complete the internal appeals process with Progressive and ensure that you provide all necessary evidence to prove your covered disability.
Otherwise, it could become more difficult to protect your rights if you need to go to court, since you can’t pursue a federal court case unless you’ve exhausted the internal appeals process, and you can’t present evidence in court that you didn’t provide to your insurer.
Prudential should provide information on the appeals process, as well as on the deadline to appeal. The insurer should also offer detailed information on the reason why your claim was initially denied. It will be your job to present a compelling appeal showing that you do have a covered disability and that your claim for benefits should be a successful one.
A Prudential long-term disability denial lawyer can help in important ways
Prudential is a large insurer with a lot of power, especially as ERISA regulations sometimes benefit insurers.
If you want to make sure you maximize your chances of getting your claim approved and recovering your benefits, it’s helpful to get a long-term disability lawyer to represent you.
Julie A. Rice Law will help at every step of your case when your disability is denied, including:
- Understanding Prudential’s reasons for denial
- Reviewing your policy to determine if you should be covered
- Gathering strong evidence for a successful appeal
- Submitting an appeals letter and supporting documents by the deadline
- Navigating the internal appeals process
- Pursuing a claim in federal court under ERISA if your initial appeals to Prudential are not successful.
We have stood up to Prudential on behalf of many past clients, and we have a long history of success in getting the insurer to pay you the benefits you need in a timely manner.
Give us a call today to talk with a Prudential long-term disability denials attorney to learn more about how we can help you.