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

In New Jersey, a music teacher was taken out of work by her physicians due to Lupus, chronic migraines, and neuropathy. These conditions caused her to be off balance, requiring a cane for walking, fogginess in her cognitive ability, chronic pain, and fatigue. As a K-5 music teacher, these conditions made working next to impossible. Her Long Term Disability insurance provider thought otherwise, denying her benefits because her medical records did not provide substantial evidence to support total disability from her occupation. She thought this was odd considering her treating physician had supported her in being disabled from any occupation. She decided to reach out to the Fields Law Team for assistance.

Our team also thought the denial of benefits here was odd, so we started the appeals process. Our attorneys drafted the first appeal using all medical records and physicians’ reports who supported our client’s disability. Prudential, however, upheld its denial because she did not meet the continued period of time necessary to receive benefits. Our attorneys did not give up on our client, and drafted another appeal that documented disabling medical evidence during the period of time Prudential deemed our client not disabled. They finally approved benefits for our client, who was thankful that the Fields Law team never gave up on her and will continue to support her throughout her entire disability claim.

A welder from Mississippi worked for 17 years before he had to stop due to Transient Cerebral Ischemia, diverticulitis, narcolepsy, chronic back pain, sciatica, glaucoma, and blurred vision. The individual applied for Long Term Disability benefits, but his insurer stated that he had not provided any restrictions or limitations that would prevent him from returning to work as a welder. Prudential stated that since he failed to be disabled through the Elimination Period, he was not eligible for benefits. The welder decided to appeal this determination without legal representation, and he was denied yet again.

After receiving the denial of his appeal, he contacted the attorneys at Fields Law to assist him. Our attorneys contacted our client’s doctors to compile reports of all of his symptoms and treatments and submitted a comprehensive appeal to Prudential. After receiving Fields Law Firm’s appeal, they overturned their previous decisions and paid all the outstanding Long Term Disability benefits immediately.

Prudential denied a welder’s claim for Long Term Disability, despite his inability to do his job due to a significant neck injury. The welder was bending over his work station when a piece of metal jumped into his welding helmet and hit his eye. He tried to stand up quickly to get the piece of metal out, but the back of his helmet got caught as he was attempting to stand up. He injured his neck. He made every attempt to return to work but it became impossible due to the pain in his neck that radiated into his upper extremities. He tried various jobs, but nothing worked.

Prudential claimed that the welder’s medical record did not support an impairment that would prevent him from performing his job as a welder. He contacted Fields Law Firm to help him stand up to the insurance company to get the benefits he deserved.

Our team drafted an appeal to show that Prudential overlooked medical evidence and provided little to no rationale for its denial. We know that an insurance company cannot discontinue benefits based on a selective or partial review of a beneficiary’s file. We provided a strong legal argument in the appeal, forcing Prudential to change its position. Our client was awarded back pay, along with ongoing monthly benefits.