Houston Disability Attorney – Prudential Disability Insurance Claim Denials
Prudential Financial is one of the largest insurers in the world, and if you have a Social Security Disability or Long-Term Disability plan with Prudential, you’d expect that they’ll be able to provide the necessary financial help when you need it most. Unfortunately, there have been many complaints against Prudential right here in Houston and in the surrounding areas.
If you have a policy with Prudential, and they have denied your claim for benefits even though you’ve met all the requirements, then you need to contact a Houston disability attorney experienced with Prudential disability insurance claim denials today. At Herren Law, we have helped many individuals just like yourself with their Prudential claims, and we have the resources and expertise to help you too.
For a free, no obligation with Houston disability attorney William Herren, call our law office today at (713) 682-8194.
What to Do If Prudential Denies Your Application
Even if you have a policy with Prudential covering disability, this doesn’t mean that Prudential will automatically provide benefits when you submit a claim. In fact, Prudential only approves about a third of initial disability claims. There are some reasons for this, and the most common reason for a disability claim denial is “insufficient medical evidence.”
As such, if you don’t include comprehensive medical files and records documenting your treatments and the disability, or if you have an inadequately detailed doctor’s statement, there is a good chance that Prudential will deny your application. Prudential may also deny your benefits claim if your disability doesn’t meet the policy’s definitions or the disability was caused by alcohol or drugs.
Fortunately, there are some things you can do once you receive notice of a claim denial. First of all, it’s essential to protect your rights, and if your Prudential plan is with your employer, then you are lawfully eligible to receive a detailed explanation of the denial (this is an ERISA requirement). After receiving the denial, you can then take action to appeal, which often consists of supplementing your application with additional information and then giving it to Prudential for another review.
For the employer-provided insurance plan, you have levels of appeal that you may have to go through, including:
- Reconsideration by a state agency
- An administration hearing
- Reviews by an Appeals Council
- Federal review in court
How a Disability Attorney Can Help
At Herren Law, we have extensive experience helping hundreds of individuals with their insurance denial claims. With the help of a disability attorney, we can help every aspect of the application process, including:
- The initial application for disability benefits
- Ongoing claim management
- ERISA appeals
- Lawsuits in federal courts
- Prudential lump-sum buyout offers
We at Herren Law will stand by your side and work with you, one-on-one, throughout the entire disability claim and appeal process, and we will always put your interests at the forefront of our strategies. In other words, you don’t have to go through this process alone!
Contact Herren Law for Leading Legal Representation in Houston
Prudential sends out thousands of claim denials every year to Houston residents, many of whom desperately need their disability benefits due to an inability to work and bring in an income. By purchasing insurance from Prudential, you deserve the benefits that it promises when you become disabled.
Fortunately, with years of experience and in-depth knowledge of Texas laws, disability attorney Herren Law can provide a thorough and dedicated legal representation. For a free, no-obligation with Herren Law, call our Houston law office today at (713) 682-8194.
