Prudential Disability Denial & Lawsuit Attorneys
If Prudential denied your long-term disability claim, you have the right to appeal the decision. However, these appeals are never easy, even if you deserve to receive disability benefits.
ERISA (the Employee Retirement Income Security Act) governs the vast majority of long term disability insurance policies provided by employers. ERISA is a federal law that favors insurance companies and can make it difficult to win an appeal. ERISA disability claims are different, and few attorneys are experienced in handling these appeals.
If you want to dispute Prudential's denial of your disability claim, you need an ERISA-experienced disability attorney to help you. Our long-term disability lawyer in Kansas City has acquired extensive experience, resources, skills, and knowledge representing disabled workers. Let us do the same for you.
Contact our law firm by calling 816-203-0143 now to discuss your Prudential disability claim.
How Our Prudential Disability Denial Lawyers Can Help Right Now
There are several ways we can help you right now with your Prudential disability claim, denial or appeal.
1. Free Review of Your Denial Letter
Our Prudential disability denial attorneys in Kansas City review your denial letter free of charge. You can call us at 816-203-0143 to get the information you need so you can be prepared and understand how we will fight for your disability benefits. We'll review the denial letter and give you a free strategy for getting your long-term disability benefits started. The deadline for filing appeals for long-term disability claims is short, so act quickly to take advantage of this free service.
2. Download Our Free Disability Guide
We understand you may have questions about Prudential disability claims. You can download our free disability appeal guide, Danger: Proceed at Your Own Risk, right now. This guide shares critical information about long-term disability claims and how to appeal a denial of a claim. In our disability guide, you'll learn:
- The most important thing you need to do to get your LTD benefits.
- The truth about long-term disability insurance.
- Six essential steps you need to take as soon as you receive a denial letter.
- Three types of disability claims insurance companies frequently deny.
- Why do ERISA laws favor insurance companies instead of disabled workers?
We also have an extensive collection of articles and FAQs about long-term disability claims. These materials are available free on our website.
3. Contact a Prudential Disability Denial Attorney by calling 816-203-0143.
Discuss your claim with our experienced long-term disability attorney in Kansas City. Our lawyers can help you file an administrative appeal. If you filed an administrative appeal that was denied, they might be able to help you file a lawsuit. Our attorney is licensed in Missouri and Kansas and handles federal ERISA disability cases nationwide with assistance of local counsel at no extra charge.
Why Did Prudential Deny Your Long-Term Disability Claim?
Insurance companies like Prudential are for-profit businesses. Paying claims decreases their profits. Therefore, they try to find ways to avoid paying disability claims. Every claim they can deny means more money for them.
Some of the insurance tactics used by Prudential and other LTD insurance companies to deny claims include:
- Requesting additional documentation that is burdensome and unnecessary.
- Telling the worker that the condition does not qualify for LTD coverage.
- Alleging that the medical evidence provided is not sufficient to prove the worker is disabled.
- Hiring medical experts to refute the findings of your physicians.
- Claiming that you did not complete or file the required claim forms.
Unfortunately, insurance providers know that the rules and deadlines imposed by ERISAfavor them. They understand how to use ERISA to complicate cases so much that most people give up trying to get their LTD benefits.
Giving up is what Prudential wants you to do. Hiring an experienced Prudential disability denial lawyer who understands ERISA laws is precisely what the company does not want you to do.
Do not let Prudential bully you into giving up your long-term disability benefits. Call 816-203-0143 to talk with a Prudential disability denial attorney about appealing your claim. Let’s work together to force Prudential to pay you the LTD benefits under your disability policy.
How to File A Long-Term Disability Appeal With Prudential
If you receive a denial letter from Prudential for your long-term disability claim, you likely have only 180 days to file an appeal. You must begin by filing an administrative appeal with Prudential. ERISA requires this step before you are permitted to file a lawsuit asking the court to review the matter.
ERISA prohibits you from adding anything to the lawsuit that you did not include in the administrative appeal. This rule is another reason that ERISA laws favor insurance companies. If a person files an administrative appeal without speaking with an ERISA-experienced long-term disability lawyer, the person may not include all information necessary to win the appeal.
For this reason, we strongly encourage individuals to seek advice from our Kansas City disability lawyer before filing an administrative appeal. A Prudential disability denial lawyer can help you gather all evidence necessary to build a strong disability appeal.
Information and documentation you need for an administrative appeal includes, but is not limited to:
- Medical evidence and records
- Legal arguments and evidence
- Letters and statements from physicians
- Letters from expert witnesses
- Statements from family members, friends, and co-workers
- Any other evidence that helps prove that you have a covered disabling condition and cannot work
If you filed your administrative appeal and it was denied, our Prudential disability denial attorneys may still be able to help. Depending on the facts of your case, you may still want to file a lawsuit against Prudential. Contact our law firm at 816-203-0143 to discuss the next steps to take as you fight Prudential to get the disability benefits you need.
Do I Need a Long-Term Disability Attorney After a Prudential Denial?
ERISA stands for the Employee Retirement Income Security Act. It is a federal law that protects pension plans and private health plans. It also governs most group long-term disability insurance policies. If ERISA governs your plan, you should receive a notice stating that ERISA applies to your long-term disability claim.
Because ERISA laws and procedures are confusing, it's smart to talk to a Kansas City long-term disability lawyer about your claim. An attorney with ERISA experience understands how insurance companies use ERISA requirements to deny long-term disability claims. They also have strategies to even the odds and tip the scales in favor of disabled workers.
Taking on the insurance company alone can be a costly error in judgment. If you appeal your claim without an experienced Prudential disability denial attorney, you are giving the insurance company exactly what it wants. You are stacking the cards even more in favor of the insurance company. Even judges give insurance companies the benefit of the doubt when hearing ERISA long-term disability appeals.
We Know ERISA & Long Term Disability Claims
Before you take on Prudential alone, our Kansas City long-term disability lawyers will review the denial letter free of charge for you. However, act quickly. Your time to file a disability appeal is short.
If you are concerned about deadlines or your administrative claim was denied, call 816-203-0143 now to speak with a disability lawyer about your claim.
We caution you against appealing your long-term disability claim without an attorney. We genuinely do not want you to lose your LTD benefits because Prudential had the upper hand.
Call Our Prudential Disability Denial Lawyer Today
The Law Office of Kevin J. McManus is dedicated to assisting disabled workers as they fight for their benefits under an LTD insurance policy. Our goal is to provide you with the information you need to make the decision that is best for your situation.
Call 816-203-0143 for help. Our legal team is here to help you when you need someone on your side who has your best interests as the top priority.