Prudential Disability Insurance

Prudential did not seek to provide me with assistance and benefits during my leave. I think their approach was harmful to me, and I informed them of the additional stress they were causing me during my interactions with them. I have been denied benefits due to conversations with my counselor regarding my sick mother.

My medical doctor placed me on leave for symptoms of depression. While on the phone with Prudential, the representative read all of my counseling sessions regarding my mother and my daughter's medical status.

I have increased symptoms of depressed mood, severe headaches, and chest pains after speaking with Prudential today, 10-13-11. I was informed that after 8 weeks of being on leave by my medical doctor, they decided that my counselor reported I have good eye contact, appropriate interaction, and other observations during my session. They also identified what I talked about in session regarding my mother being sick.

I have been overwhelmed by Prudential staff on several occasions. I had two phones to my head as I talked with Prudential and my medical doctor. And to date, they continue to spell my name wrong on documents and identified doctors who have not treated me during my 8-week leave.

My husband passed away on 7/5/11. He was receiving long term disability through Prudential. He had paid the premiums for this through his company, Hologic. Sophie contacted me around July 21, to verify that he was deceased, and to let me know she was sending me the paperwork to process the death benefits (thrice a month plus the last month, that had been returned by the bank). By August 18, I still had not received them. I talked to Sophie, and she said she had just mailed me the paperwork. As of August 25th, it is still not here. I have left messages but she has not returned my calls.

I have filed with the state previously and reported on this site about Prudential. Prudential approved the claim, then closed the claim and has not responded to my requests for information. I have sent them every bit of information possible. My primary care and physical therapist have given them 100% of the medical information they requested, yet they still fail to honor my insurance I paid years in advance for. How does an insurance company get permission from the state to take people's money and not provide a service? I have been almost 5 months disabled! This has caused extreme financial hardship, including but not limited to credit rating damaged beyond repair!

I have paid $4037.80 for disability insurance over a five year period and now I have been removed from work due to a disability for four weeks so far and they are pyramiding the documentation needed to make a decision. I, along with my primary care provider, have given them everything they asked for in the past 4 weeks, yet they have not paid one cent and now request extensive information that has already been provided and more. I cannot pay my bills or provide for my family, I have children. I am 61 years old and have never claimed disability in my 40+ years of work.

I was denied short and long term disability after I have been put on disability by my doctor and Social Security. Prudential has hounded me for information over 45 times in two months and then created false denial claims that contradict the doctor's statements. I have had limited income and been unable to seek treatment for my condition. It's an appealing decision but unable to do so easily because of my condition.

I went on disability on 10/21/10. Since day one, it has been nothing but a headache. On October 20, they faxed my doctor the disability form that was faxed back to them Oct 22 at 10:15 am. On Oct 23, I received a letter stating they have not received my form yet, keep in mind that was only 2 days from when they faxed it to the doctor. On Oct 27, it was requested that I fill out a treatment questionnaire, it was completed and faxed back on 10/27 at 1:38 pm. On 11/12, I called to update the information since I had further tests done since the last update. I called and spoke with Michael. This was at 11:44 am; I was also returning a call that was left for me.

Michael proceeded to tell me that there was no record of a call ever being placed to me. On December 8, I received a decision; this was past the 45 days that is allowed by the ERISA Act. It stated that I was approved through Nov 17. It was asked that I call and let them know if I returned to work or if I knew when I was going to. Never once was I given any documentation to appeal Nov 17 through the present time. I called Lisa **** on 12/08 and gave an update through a voicemail stating that I was still off and I was referred to a specialist and would be going along with the rest of the treatment. I never received a call back even though I requested one.

On 12/15, I faxed a statement from my doctor releasing me back part time on limited duty starting 01/03/11. With no return call, still I emailed 12/20 requesting information and a call back. The email response said one business day. Still no response. I called Lisa ****** again on 12/22 at 12:15 and LM with no return call. I have received one payment to date. I am about to be evicted from my home and my car repossessed. I should not have this kind of service when I pay into this benefit on a weekly benefit.

I was let go from work due to a medical issue on 7/19/2010. When I was let go I immediately called prudential to see what I would need to due to collect disability insurance. I paid into long and short term insurance for the last 21 years. I called Prudential and asked what paper work I needed to fill out so that I collect this disability insurance; this was the first week of August. They said to gather all my physicians and ER notes.

I spent 2 days gathering copies of these medical records. I have spent a couple hundreds of dollars to copy, fax or send by mail the information they wanted. I would call almost every day to see if my claim has been approved. They say well we need this form or that form. So I call the Doctors office to fax the forms they needed. I have spent 6 weeks calling, waiting to see what this insurance company will decide. During all this the people who answer the phone told me "yea looks like all your paper work is done, we are just waiting on a decision". I had to start asking for a manager in order to get some of the correct information. Prudential employees would tell me - oh well we need this paper last week.

Then one day last week they finally called me requesting a headache calendar. I already told them time after time I have a headache. They have years of neurologist records that state my main complaint was headaches. I have a headache everyday! I do not know why I have these headaches, if I had the miracle that would get rid of my headaches, I would do it in a second. These headaches affect my work, family and all my daily doings.

People just don't understand the impact headaches can do to you year after year. I have been seeing a psychiatrist for my headaches for 3 months. She thinks I have depression and anxiety from having headaches every day. She also has diagnosed me with PTSD, and back pain due to bulging and protruding discs. Another thing which is my complaint is that people don't understand the side effects of the preventive medications you are prescribed. Some days I cannot function, I just sleep all day.

All these preventive medications cause cognitive impairment. For instance I have lost two days from this last medication. I have no recollection of what I was doing or who I talked to. My husband saved my life by babysitting me until the medication wore off. I often do not remember things. Now how safe is this cognitive impairment on a day to day basis? I see a neurologist and that is just another medication I cannot take, so we will try another medication to help find me some relief from these headaches.

If Prudential was on top of things like my neurologist is, then we would have no problems but, I need the money. I received $131.00 dollars when I first signed up with Prudential. Now how am I supposed to live on $131 for the last 7 weeks? I really don't think it is that hard to make a yes decision. I don't want to go back to work with such poor cognition, that is just setting me up for a law suit.

I'm an RN but I need to be a safe RN. Right now I cannot work due to impaired cognition. I'm very frustrated with this company and will not suggest them to anyone. My husband helped me write this because I cannot keep my thoughts together. I can send you any information you might need. Please let me know if you need anything, you can call me at **. By the time the short term disability approved then it will be time to fight for long term insurance.

I was approved for long-term disability by Prudential in April 2010 (after going more than 6 months without pay due to illness). My claim was approved through the end of August and although my claim will terminate on August 31, I have been assured repeatedly that I will get paid for August. I'd love to know when that is going to happen. I was told the 24th, then the 25th, then the 26th, then the 27th and promised that I would get paid (direct deposit) on the 27th. Guess what? It's now the 29th and I still haven't been paid.

Because these people are failing to do what they said they would do, I now have bills I can't pay. I have a health insurance premium that needs to be paid by Tuesday, and I don't have anywhere near enough money to pay it. I can't make my car payment, or my other bills. All thanks to the fact that these people can't get their act together and do their job.

I was scheduled for surgery on 6-26-09. I had surgery for a hysterectomy. I had my surgery on 6-26-09. I went into SCA while I was in the hospital and was blessed that the nurse and the nurse manager came into my room after seeing my test results and knowing that I was having a heart attack. I went into surgery that same night and stayed in the hospital for 5 days. I then had to go back into the hospital 3 weeks later and get another stent put into another artery. I still have a 30% blockage and I tried to go back to work 2 times only to realize that I could no longer work. I have filed for my STD/LTD through Prudential and have been turned down. They say there is no "medical" to report my disability. They realized that I had a heart attack and that I have PTSD, but denied my claim.

I have worked for the same company for 19 almost 20 years. My last day of employment will be 5-18-10. I am currently on "general unpaid leave since I have used all of my EIB/PTO time. I still continue to be under the care of a Cardiologist and a Psychiatrist, but cannot be approved for STD or LTD. I have applied for my social security benefits and was denied.

I have hired an attorney for this and he has taken my case. He told me that I had an 85% chance of receiving my disability. He is a well known attorney in Nashville, but he does not take on private insurance companies. He only takes cases for the State. I have another attorney contacted me next week. What is the problem with these insurance companies? I have paid my premiums for 19 years and now they don't want to pay me when there is plenty of medical evidence. I will fight this to the day I die!

I have slight heart damage. I cannot take any hormone replacements since I had a heart attack. I am seeing a psychiatrist since I have many issues of knowing that I went into SCA and watched my two children see me going into surgery not knowing if I was going to make it through the surgery or not. I had two major surgeries within 24 hours. I am very blessed to be alive right now. I stay very fatigue and not focused due to the tragic event that took place. I have many other issues on top of what happen to me in June 09. I have Sleep Apnea, Diveticulitus, TMJ, cannot take hormone therapy replacements, a fused right ankle that I had surgery on for the second time in June 2005 (fused ankle) mental and anxiety disorders, TMJ (headaches!) and now I have Cardiovascular Disease.

I have worked for 35 years. I don't see an issue of getting my social security benefits, but Prudential has just been rude and denied my claim! I have always paid my premiums but when it is time for them to pay their, they denied me. What is up with these insurance companies. I will stay on this until the day there is some type of resolution or die trying to get my benefits from Prudential. That is what they are wishing for anyway, right?