Short & Long Term Disability Cases We’ve Won for Our Clients Against Prudential

A 61-year-old man working as a Sales Manager was forced to cease work due to complications with coronary heart disease and atrial fibrillation. Even though he had been paying premiums for Short Term and Long Term Disability benefits, when he applied for Short Term Disability benefits, his insurer claimed that he never actually obtained coverage. This was because there was one form he failed to fill out at the time he applied for the insurance. The Sales Manager was confused because he followed all the instructions he got from his employer when he applied for the insurance coverage. In his time of uncertainty, he turned to Fields Law for help.

The attorneys at Fields Law wrote a strong appeal on behalf of our client, arguing that his insurer was precluded from claiming he never had coverage when they took premiums from his checks. The Fields Law team also reached out to our client’s employer for information about how the employees applied for coverage. Through those conversations, we learned that many of employees from that particular company were also paying premiums for coverage they didn’t have. Based on our successful appeal, the insurer remedied the coverage issue and our client was issued back pay.

A mineral processor from Florida began having intense migraines and back pain. He attempted to continue work, but he started having blurred vision and was forced to stop working. He was paid Long Term Disability benefits for eighteen months. Prudential then sent him a letter stating that his benefits would end because he did not meet their definition of disabled.

Worried about his lost income, he contacted Fields Law for help with an appeal. The attorneys at Fields Law built a strong case for our client. They compiled updated reports from our client’s doctors, and reviewed the case file. Ultimately, Prudential reinstated Long Term Disability benefits for our client. With his monthly income restored, our client was relieved to be able to continue treatment without the stress of fighting Prudential.

A young up-and-coming executive stopped working due to severe anxiety, depression, and bipolar disorder. His symptoms resulted in an inability to keep up with the extremely demanding mental demands of his job. His insurer reviewed his claim for approximately five months before denying benefits, claiming that he wasn’t continuously disabled during the elimination period in the policy. The executive was confused because he had been consistently treating with a therapist and psychiatrist who adamantly stated he should remain out of work.

Worried and upset, he hired Fields Law Firm to fight this wrongful denial. Our attorneys first ordered updated medical records from our client’s therapist and psychiatrist. Then, we requested written comments from our client’s treating providers regarding his conditions. Our attorneys used that information to secure a favorable vocational report that concluded our client was unable to work at his former job. After Fields Law submitted the appeal, Prudential reinstated benefits well before the end of the 45 day review period. Our client received a substantial backpay check and was able to begin training for a low-stress future career.