Prudential Disability Insurance Reviews

A joke. Absolute pirates. Avoid if humanly possible. I ultimately ended up just cancelling my claim. Did everything perfectly and they still managed to make a mess of my claim with overpayments and constant requests of pw I had already submitted.

I can't justify giving Prudential 1 star. I've been out on leave for 30 days. I've been advised on recorded calls multiple times of my approval and imminent direct deposit. Today, they notified me that the claim was declined due to not having received adequate documentation for the approval, documentation that was never requested. Yes, the Prudential forms were completed by my physician and submit weeks ago. This is, by far, the worst company I've ever dealt with and will discontinue my coverage immediately. I mean, what's the point?

My work started going through Prudential for short term disability leave this year.... I have struggled to get anywhere with my claim despite calling prudential upwards of 30 times in the last 4 months. In 4 months I have received 2 disability payments. This is because nobody you talk to in customer service knows what they're doing. They are very kind people but just so incompetent. Then you can never get ahold of your claims manager, the one who can actually help you! I could never get a hold of my claims manager so her manager took over my case then I couldn't get a hold of her! It's just a huge mess. If the customer service reps knew more and were better at their jobs it definitely wouldn't have to have been this hard. Their lack of knowledge is one of the things that completely delayed and derailed my claim. I am so sorry if this is who your job goes through for leaves of absence. They clearly hate their employees like my company does.

I have had the worst and most frustrating experience of my life, dealing with Prudential insurance on my long-term disability claim. I had a short term disability claim through my employer, and then after four months, they put me on long-term disability with Prudential. My employer is the one that told me that I needed to go on disability. I have numerous autoimmune disorders, psoriatic, arthritis, fibromyalgia, memory issues, frequent falls, migraines, growth, carpal tunnel, etc. Prudential put me on the claim for 14 months and then they closed my claim. They said that they hadn’t received paperwork from my doctor although my doctor's office shows that they did send that information to Prudential.

They make your disease worse clearly by denying all long-term disability claims even with every physician acertaining the severity of the disability and to remain on disability. If I did not have enough money saved until I recovered to not keep getting scammed by their claim rejections and their non-medically inclined disability team of a nurse with no medical degree and a disability examiner with a business degree (I think her name is Nicole **) and also no medical degree or Joy behind her name just to ignore any and all physician requests no matter how many physicians advocate who all have degrees from MEDICAL SCHOOL that me as their patient to remain on disability, then I don't know what I would have done.

I worked on the ramp for United Air lines for 37 years - I had an elbow tear and two rotator cuff surgeries and could no longer do the job - I got Social Security disability and then started collecting a paltry $700 on Prudential - After a year and a half they demanded $20,000 back - because of the SS offset that I told them I was receiving - My shoulders fell apart and need a complete replacement on the right, and another cuff surgery on the left - I paid them back and contracted bladder cancer - I've had it for years and didn't know it - I have multiple procedures and surgeries scheduled next week at the Mayo Clinic and Prudential says I can work? I'll be using a catheter and the cancer is life threating - I'm only 62 - Do not give these thieves a dime - They will decide that you can work no matter what - I paid into this for years and received almost nothing... How's this even legal?

In a word: DON'T. Don't deal with them, Don't call them, Don't expect anything good from them. If you have even spoken to the likes of Walmart customer service, they look amazing compared to Prudential. Shortest call is about 30 mins and for that you get a 100% clueless fool who if you are lucky, knows nothing, if you are unlucky they will just outright lie to you then when you call back there is no typed record of what they told you. I would happily look them in the eyes as I Spartan kick them downstairs. The company and employees are HORRENDOUS.

I have been paying premiums for LTD for years and they have taken them. I went out on disability and Prudential stated that I would only get paid for a year. They cancelled my policy and stated that I should not have had the policy to began with. However, they approved it and took my premiums and now I am permanently disable. I am not being paid and there is nothing in the policy that states that I would only be paid for a year.

Fortunately, we have not had to submit a claim (yet). My issue has to do with premium increases. Received notification that they are increasing premiums by 20% because of some kind of glitch (?!?) while 20% is bad enough, the actual increase is over 40%!!! They are basing it on a premium amount that is completely inaccurate. Trying to resolve but difficulty in getting to the right people. After paying for more than 20+ years, makes it difficult to walk away!

I would give 0 stars if I could. I can never get a straight answer from anyone at this company. I was diagnosed with stage 4 cancer and was approved for LTD. According to my SSDI award letter Prudential should be paying me the difference of 1200 per month however they have only been paying me 300. I’ve called prudential numerous times. 1 lady agreed that they were vastly underpaying & has my case manager call me. My case manager explains that even though my award letter states I should get 1200 they estimate that SSDI “might” go up in the future if I’m approved to claim my kids so they reduced my LTD to 300. I explained to them I have not been approved for family SSDI only individual SSDI and they still refuse to give me the full amount of 1200. Legally they have to pay you this difference that SSDI approves. They are committing FRAUD.