Before her disability forced her to stop working, our client enjoyed a rewarding career as a nurse in Port St. Lucie, Florida. When our client’s back and neck problems became too severe, and the pain persisted even after neck surgery, she filed a long-term disability (LTD) claim with Prudential. The insurance company acknowledged her disability on two (2) separate occasions and paid benefits for 2 years. Then, Prudential suddenly tried to terminate our client’s LTD benefits – and the timing could not have been more outrageous.
Luckily, our client contacted Dabdoub Law Firm, and we worked hard to help protect her rights.
Prudential’s Acknowledges Our Client’s Disability Twice
Our client filed for LTD benefits in February 2018, and Prudential approved her claim that August, thus acknowledging her disabilities, which included chronic pain, back pain, degenerative disc disease, joint pain, arthritis, and osteoarthritis. After paying benefits for 14 months, Prudential terminated her benefits without an explanation effective October 31, 2019. Upon appeal, Prudential acknowledged our client’s medical conditions once again and reinstated her benefits until August 18, 2020.
Then, Prudential relied on a formality to terminate our client’s benefits on August 19, 2020, erroneously claiming she was fit for sedentary work even though she had just gotten out of a major surgery. If the insurance company had reviewed the documents its policyholder submitted in May 2020, Prudential would have known of the surgery – and it would have known that our client’s condition had only gotten worse.
The fact is, in August 2020, Prudential said our client could work 13 days after a highly invasive surgery on her thoracic spine. When Dabdoub Law Firm pointed out that no physician would agree to this outrageous claim, Prudential was forced to reinstate our client’s benefits to avoid a lawsuit in federal court.
Not only did Prudential act unfairly and in its own interest but it also ignored medical evidence, including MRIs, prescription records, doctor’s notes, and more. Our client has been working hard to manage constant, severe pain, and Prudential could not even give her claim a good-faith evaluation until Dabdoub Law Firm got involved and threatened legal action.
Lawyers Specializing in Disability Insurance Claims
Because disability insurance law is complicated, you should seek legal help from a lawyer who focuses on disability law.
As a law firm built to focus on disability insurance, Dabdoub Law Firm specializes in disability insurance. Our lawyers spend every day working to get our clients’ long-term disability benefits approved.
Because federal law applies to most disability insurance claims, we do not have to be located in your state to help.
If your claim for long-term disability benefits was denied or is being delayed by an insurance company, or your insurance company has terminated your benefits without a good reason, call us to speak with a disability insurance attorney.
We represent clients across the U.S. and help them:
- Submit disability insurance claims,
- Appeal long-term disability denials and terminations,
- Negotiate lump-sum settlements, and
- File lawsuits against their disability insurance companies.
We can help you, too. All you have to do is call us at (800) 969-0488 or contact us online for a free consultation.
