Prudential Disability Insurance Reviews

They’re horrible! It’s sad that you have to worry about your finances when trying to recover, but I assure that you will if you rely on Prudential for short term disability.

This is a scam. They send you through hoops, make you run across fire for your money. It's the end of May, and I been fighting since February. Still nothing!! SCAM!! Prudential sucks. Been giving me run around since February. Went through my Union the Teamsters, and they are screwing me over!

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.

I'd give them 0 stars if it was possible. They screwed up and transposed two digits in my bank account, so it's been 6 weeks and I still have not received a dime from this company. It's a pure ripoff and they need to be investigated by the government for fraud. My company paid the premiums, but they must be getting a kickback since they refuse to do anything either. I "had" a retirement annuity with Prudential for over $250K, but this reluctance to pay makes me realize that when I actually need MY MONEY, they won't pay out - so I'm pulling my investment and moving it to a REPUTABLE investment firm. I'll NEVER do business with these clowns, ever again. I highly recommend EVERY COMPANY that offers their products seek a NEW provider and DUMP "The Rock"!

Trying to file a LTD claim with them has been by far the most frustrating experience with a company that we have ever had. They consistently "can't find" paperwork that we have sent and that the Dr. sent. Their portal consistently locks us out. We faxed initial application and never heard back. After 10 days I could only reach someone at a call center who I could not understand. After several attempts and multiple requests for the same info we had previously provided, we had to get someone else involved and they finally found our application. This has been like a full-time job trying to get what is a simple claim even submitted. They should be ashamed of themselves for trying to delay the process for people who need the benefit that they have been paying for.

I started my short term and got approved in 1 month. I have had my Dr send them all the paperwork and even took a copy of what my Dr sent. 2 days!! Before I was to receive my first check they call and said they had zero paperwork from my Dr which is a lie!!! I watched them send it through fax. Then I get told I was to get paid on a certain date and now I have to wait an additional 5 days to receive my first whopping 400 bucks! This is by far the worst!! Experience I have ever had to deal with.

If I could leave negative stars I would. This whole process has almost been worse than my actual disability. I’ve been on leave for ptsd, depression and anxiety for three months now. This company claimed to care but by god, they absolutely do not. Anything they can do to draw out the process or make it as frustrating as possible for you, the better. I have them demanding medical records that don’t exist from a doctor whom I’ve never seen before. They refuse to review all of the other insane amount of documents that they have already received. I’ve lost count of the times they lied and said they sent document requests to my doctor only to be told by my doctor that none were received. They’ve told me that they’ve mailed me paperwork that I never received. Three times. When I asked for it to be sent electronically they said it had to be sent via mail only, despite literally every other paperwork I was able to complete and submit online.

This has got to be the worst experience ever dealing with this insurance company. They have been investigating my claim for over 3 months now and still no long term disability payments or approval. I had a massive heart attack and should be no reason to investigate a pre existing condition. Prudential has caused more damage than the heart attack itself.

I called them weeks in advance of my surgery to set things up. I have had 2 surgeries now, and have been off work for a month. I’ve received $288 in that time. Who lives off $288/mo? Their website is garbage, and that is deliberate.

I lost the use of left and right hands due to broken wrist. After losing strength in my physical being and mental depression I turned to them in writing to please assess me into a new livelihood. No help at all was received. I always worked with my hands and that was my forte'. Never was a desk job employee. Always excelled in the workplace field. On my own to become more proactive I found a job to try to help myself and others. I did not excel and spending my benefits to invest in myself I contacted Prudential Disability about my losses. I was told that nothing would be reimbursed.

Injured back, my doctor's have me off work, My work has no problem with me following doctors orders. I seen two different doctors. Prudential spent almost 2 months "investigating" then, said their medical staff who never seen me, examined me, talked to me or met me, decided the two doctors who did examine me were wrong and denied my claim forcing me to get an lawyer... Their staff talks to you like you're stupid. I pay out of my checks for this disability safety net insurance, just to go 7 weeks now without a pay check of any kind, and they have an excuse every week. I skipped the appeal process and just got a lawyer... Their entire purpose is to take your money for a benefit, that they will fight tooth and nail to deny you for, they will call your doctor's liars based on the opinion of people you never met or talked to. Just bad people to do business with if you care about your employees even a little.

Literally the worst, most infuriating company I've dealt with by far. Accident was the 18th of July, 2 months later still no payments even though claim was approved. Payment date just keeps changing and I just keep getting lied to. Impossible to get ahold of someone who can or will actually help. This whole fiasco has been one big joke.

This has got to be one of the worst company I ever dealt with. They give you the runaround. By the time you get your money it might take two months. Nobody knows what they’re doing. You get more sick dealing with them than your sickness itself having to deal with these people on a daily basis. It’s horrible. I filed a claim for a mental issue and I’m getting worse dealing with Prudential than when I started the claim. This company should be fined for all the mistreatment they do to older people because all they do is take your money.

The worst company ever for short term disability. They kept messing up my paperwork. Staff is very incompetent including claims manager. Nobody follows through. For example: If they receive a blank fax from a DR's office, they don't reach back out to them or to me so that I can reach out. Claims manager never calls you back. Anyone who’s on maternity/medical leave shouldn’t have to go through all this trouble to get paid. I have tried to speak to a manager or someone in charge and they won't let you, I can't get a phone number to the claims manager that is supposed to be working my claim. It has been over 14 business days since they received the last bit of paperwork they needed and my claim is still pending but nobody can tell me why.

Ran into severe mental health issues. Prudential paid out both the STD and the LTD. They did apply some soft pressure disguised as help in the beginning to help me get back to work. Then they wanted another opinion besides my psychiatrist so they had me go to an 'independent' medical doctor. In my case he was a fair-minded person who came to the same diagnosis as my doctor. Prudential paid without issue. All in all they paid out in total about $400K. I don't know if I ever was under video surveillance but since the symptoms were real it would not have been an issue.

I started my claim with Prudential on 1/13/2021 for a scheduled procedure that was to happen on 1/20/2021, due to COVID 19 my surgery was rescheduled for 2/10/2021. All my information from my employer, myself and doctor's office is all in order. I called on the 2/4/2021 to verify that all my documents were in order and my claim was good to go and that call confirmed that all was in order.

I was approved for LTD, on it about 3-4 months. I got approved for SSD. I’m 56 and have a Neuroimmune disease. They got their back pay back. I was only due like 20% of what I was getting due to SSD benefit. They sent my case to a really bad doctor to review. They disregarded my complete team of doctors and denied. I am in the process of hiring an Attorney to file appeal and then Lawsuit. I was a very competent Healthcare professional and if I could work part or fulltime I certainly would. This company is really a scam! My employers and myself had paid into this company 25+ years. No Ethics at all.

The worst company ever for short term disability. They keep messing up my paperwork. Staff is very incompetent including claims manager. Will never pick this company for any kind of financial needs. Claims manager never calls you back. Anyone who’s on maternity/medical leave shouldn’t have to go through all this trouble to get paid.

I have been on disability for several years now. I have epilepsy that causes uncontrolled seizures. I have proof that I have seizures, the cause plus a device implanted in my skull that records them. The device is a RNS. It catches almost all of them and records them. So I can prove I have at least 12 seizures a month. Simple right?? Uh no had to get a lawyer and still they are not happy. I now have a P.I. riding by my house taking pic. I have seen them plus all my neighbors have.

From day one they were trying to find different reasons not to pay you. This company should be shut down. Every time you bring them paper work they are requesting they will wait until a day before it’s due and ask for something else. I had the coronavirus like 4 months ago. Ever since then I have been having issues with shortness of breath. This moron his name is Donnie calls me yesterday and questions me about my dr then asked me if he was a dr why was his number disconnected and of course it was not. Then he hangs up in my face. Does not call back and last night I go online to my Prudential account this moron Donnie put this letter stating I have until 30 to get letters going. 1 month and a half or they deny my claim. Donnie ** that’s his name should fired. My attorney will be in touch.

I have been off of work since May 29th 2020 for a major concussion. I have received ONE payment. ONE. My doctor and I have jumped through every hoop and Prudential's canned response is “ok we will be in touch” BUT THEY DO NOT CALL YOU!! I have asked to speak to a supervisor numerous times and I’m convinced that they do not exist. No one can tell me what the issue is. No one can answer why my benefit is being delayed. This has been a horrible HORRIBLE experience having a traumatic brain injury and then to try and deal with a company so screwed up is just so wrong in so many ways. They should be shut down.

Ever since my company started using Prudential for its employees to go through for disability claims, it’s been a nightmare. I have had to use them at least 3-4 times to file FMLA (intermittent absences for existing health issues) and Short-Term Disability for at least two surgeries. Every time they manage to mess up my claims resulting in delayed paperwork. It NEVER gets done right the first time no matter how accurate and clear the information is that you give them. In many cases they use information never given to them (addresses, dates, phone or fax numbers).

Prudential short term was mostly timely with one payment not made on time. Had to fight for that one. Now? LTD payments are NOT coming in a timely manner. Got one payment in December and now,January's is not coming until more than a month later! I have bills to pay! I need timely payments, not payments that are sent whenever they feel like. I will have late fees as a result! This is unacceptable. We paid for this as an optional insurance!

I got Prudential thru work. Have been w/ them since 2008. Received call that came up as prudential. Couldn't not understand the caller due to very thick accent and due my disability have cognitive issues. Returned the call several times. I am not allowed to get another person to speak to. Corporate told me to call back. Ask for stateside help. Again refused. I was transferred to my case manager on the 4th call and she told me they don't have any nurses that don't have accents due to fact all in the Philippines. Waiting for supervisor to call. I'm at a loss. I tried the dept to help disability issues. Transferred back. At a loss. If I don't talk to them I'm not compliant then do I lose my claim. I'm so upset. Don't know what to do.

I've been out of work for short term disability because I was diagnosed with congestive heart failure from October 29th until recently. I pay for short term disability every pay check through my employer. The first two disability checks I've received within a timely manner. However, the third check I never received it. I called multiples times and was told it was sent. I asked The rep to stop payment and resend my check along with the additional check that I was going to receive for the next week. They assured me that I was going to receive both of my checks but, they only sent out one. Now every time I call it's like I get the run around about my check. Which is money that I pay for. My bills are now behind because of them not send me my check. I feel like this company is a scam.

I am on disability because I suffered a seizure and loss consciousness. I have abnormal EEG showing slowness but Prudential has not paid me and I have been unable to work for the past 3 months. They ask for paperwork from my doctor. I email them pdf, text pictures of all dr documentation. The claim agents says she doesn’t receive or can’t read it. I worked with their IT dept. Send the same documents and they had no problem. They now have everything. Now the excuse is it’s needs to be evaluated internally and since it’s three months they are sending my claim to long term disability with a new claim manager and this starts all over again.

I have afib and congestive heart failure and have had my cardiologist and primary care both send statements that due to my condition I cannot perform my previous job duties for the last one and a half years. Prudential always has their nurses deny the physicians statements which they are not qualified to do at least every 3-4 months. There is always the excuse of how they don't receive paperwork faxed to them, case manager is on vacation, you may have to go to the appeal process etc. They harass constantly to the point I let them know an ERISA attorney will get involved. I paid into this for 14 years and would not recommend them to anyone.

I give this company a zero! They are the worst I ever seen. I know the system of denial so the longer they keep their money in the bank the more interest they gain. However these folks have taken it to the next level. I became severely ill, needing multiple surgeries. These people were talking to me about going back to work & denied my claims while I was in the hospital. Finally fed up of dealing with them I seemed the assistance of lawyer, which helped reinstate my benefits but didn’t stop the frequent interruptions every 3 to 6 months as Gabriel in Prudential felt like to while my doctors were questioning what were they expecting as my progressive condition would not allow me back to work.

I’m going to go into detail. But if you are seeing this about Prudential believe me they are true. I paid out of my pocket for disability insurance for over 20 years through my place of work. Did not they had just switched to Prudential. It was a nightmare. Now that I have social security disability prudential. Called and wants to talk about overpayment from them.

I am an educator and PURCHASED this policy which was "kindly" offered to employees (at a hefty monthly premium) under the guise of "INCOME PROTECTION" while you are out. WHAT A JOKE!! PRUDENTIAL HAS A RELATIONSHIP WITH THE NJEA! What a scam It's should be a "LOAN POLICY" as they use offsets going backwards instead of just forward if you are approved for SSDI and/or retirement. You are living off of peanuts while out on medical, they FORCE YOU TO FILE FOR SSDI AFTER ONLY 5 MONTHS OF BEING OUT BUT at not charge they have ALLSUP do it for you at no cost but you must pay them what you receive! Same with disability retirement! Why is there not a class action suit against them? How do their employees sleep at night lying and harassing insureds. WE all have the same experience here so how do they continue?

I am an educator and a cancer survivor. This insurance was offered by the school district for employees. I paid into the plan monthly. I went out on FMLA leave in June of 2019 due to ongoing chronic pain and other health issues. I have submitted volumes of objective test results and medical documentation from four specialists. As the prior reviews on this site state, Prudential doesn't pay! They take your money, but do not pay! The claims manager they act like they're your friend and have your best interest at heart but they do not and are useless! They have "examiners" that are unqualified to make a decision on my type case.