Prudential Disability Insurance Reviews

If I can give them a zero I would. After asking for an extension for my short term disability due to the fact that I have spine problems and I can't walk. They deny the claim even though I submitted all my doctors documents stating the same thing. I am not able to perform my duties at work. My claim manager left a note on the system stating that she called me and left me a voicemail stating that I was denied an extension which was a big lie. She never did called me. Awful company.

After exhausting my Std, which handled very well, I have had a VERY difficult time. Received a call from my case manager today stating my claim expires the end of month as they haven't received Doctor's information from most recent visit. It has been faxed to correct number and confirmed it went through more than once as well as emailed. Had requested a call that it was received. Didn't get one. No response from multiple voicemails left by my Doctor's office and myself. We shall see what. Between my health insurance company and this company....what have I been paying for? Have two stars only because this is the first month and hoping it will be resolved. If not, I'll be back to update number of stars.

Don't go by their website and professional behavior. The claims manager will be the hardest person in the world to communicate with. For us it was Austin **. But it is just not him, I believe it is the company policy and training to make sure they find ways to deny or cut short the claim. Replying after weeks, taking weeks to review, keeping you in dark, not clearly informing you until it's too late. The person is already disabled, needs to take extreme pain to call them, email, send documents, and then realize it's denied because they did not review document. They act like they are incompetent, but they are trained to behave like that to deny claims. People please sue them if you can if you feel you have been wronged. Keep records.

I have LTD coverage through my former employer. The short-term disability coverage went smoothly but the transition to Prudential for the long-term coverage has been a nightmare. I applied for the LTD about a month before my short-term coverage ended, expecting it to pick up where the short term policy ended. Wrong! When I inquired, Prudential promptly told me they had 45 days to make the decision. After 45 days, they told me they needed more time. I called once a week until they told me, "Oh. That claim was closed out. Didn't you receive the letter?" Well, no, I didn't. I made more calls only to hear, "What claim?"

I applied for disability two years ago when I was diagnosed with Lupus, migratory arthritis and Fibromyalgia. My doctor told me I was going to go downhill quickly and prepare for the worst. This is a benefit paid for 1/2 by me and the other 1/2 by my employer. I took comfort in the fact that I had this insurance, I would have one less worry...WRONG! They declined me immediately! They said I had a sedentary position, even though my body was swollen all over, my hands and feet were twice their size. I had an allover body rash, I was losing gobs of my hair and had dropped 15 lbs, yet I should still be able to work.

This is a DISHONEST company. I had the short term disability insurance through my employer, am a registered nurse, in ICU. I survived a horrific car accident in August. Returned to work a week later. In October, I had a detached retina, which occurred in the accident but was not diagnosed until I had no sight in my left eye. I was immediately put on bedrest and took FMLA. I had s total of THREE surgeries, and have been off work over 2 months. I've had to fight every day to get sporadic checks from them. I PAY FOR THIS INSURANCE, IT WAS NOT PROVIDED BY MY EMPLOYER FOR FREE. I have paid premiums for 25 years, to be treated like a dog. One rep actually asked me if I was receiving physical therapy!! FOR MY EYE!

Do NOT USE THIS company! I have had 2 surgeries and nothing but problems getting my short term disability. They do everything they can to not pay people. They still owe me money. They also changed my approval date! If you can avoid them please do so! I’ve had such a struggle while I’m trying to recover! Customer service are just messengers! My doctor literally had to call this company and demand to know why her physical assessment wasn’t credible to them! How can they try to override my primary physician! What a JOKE.

Prudential completely lied about what my doctor wrote because I have a copy of what my doctor sent. They paid a hack doctor with no practice to write a letter with his opinion based on his inexperience with my condition and told my doctor to sign it and return it in ten days. My doctor would agree with their hack doctor that’s so technically and intellectually beneath her so they cut off my benefits. Why would my doctor agree with some doctor's opinion when he had no knowledge of my physical well being? They must be denying claims for their Christmas bonus and leave me without the ability to pay my Cobra coverage.

I am a 62 year old physician with epilepsy. When I became disabled from uncontrolled epilepsy, I too experienced the most incredibly callous interactions with the Prudential insurance company. Paid insurance premiums for 32 years faithfully, yet I have had to fight with this unscrupulous “business” over a period of five years — to receive my disability payment which are contractually due me. They are miniscule monies, and will be arbitrarily stopped in June 2019 without appeal. My LTD also had a “work in same specialty” (cardiology) clause. Ultimately, I was informed (by letter) that [the committee?] had determined that I could return to work, doing any sort of work. While all work is honorable, that was not the actual message. The message was: "get ready boy, you about to be outta our hair and off the payroll!!"

I had Short Term Disability with Prudential through my employer, and have received benefits, due to kidney failure. I was no longer able to work. I also have a separate policy for Long Term Disability, also with Prudential. After expiration of STD benefits, the LTD benefits were to take effect. The first month was a partial month, and I was to receive about 70%, but they only paid 47%. After several months of arguing, I finally got the missing 23% that Prudential wrongfully withheld. There was no apology for their ‘error’.

I WANT TO REACH OUT TO ALL OF DISABLED WHO HAVE BEEN DENIED YOUR LTDB'S! Let's stand together & make sure the rest of Americans know the truth!!! If they have insurance through Prudential disability!!!! Be aware now! Don't take any comfort in this benefit! They don't care about you! No promise that if you're covered you will get paid... If you end up unable to work they do not care! They will harass you, tell lies, make promises! They don't care!!! I'm mad! We all deserve to be treated with respect! To not have to worry every day is this the day I end up living in the street?? Will I have enough money to spread out to the next paycheck? We didn't chose to become disabled!!! We paid for our benefits all those years of working hard! I'm anger!

I have been on LTD with Prudential since 2012. Each year they perform a review which includes a statement from the physician and the patient. The night before last I couldn't sleep so I went to the Prudential site to see when my next benefit check would be sent. Lo and behold... my benefits were suspended. Apparently in June and July they emailed me forms to completed for my annual review. I never received these forms. In addition, because I opted to receive communication via email it also includes text. I never received a text.

As a social worker who deals with this stuff, I was ready for a lengthy, painful process. I was pleasantly surprised. They were helpful with my part of the process, Patient with delays by some Drs and very pleasant whenever I called in with questions or concerns. I have been on LTD for 5 years now, and regular recertification has been similarly reasonable to accomplish. I have had many different agents, but they have all been on top of things, and interested and willing to learn about my rare disease. I would recommend this company for any employee LTD provider.

They're in the business to take your money, not pay claims. Do not purchase from this company. As previously stated, they are in the business to take your money, not to pay fair and reasonable claims. Fraudulent business practices, lack of communication between departments and reviewers who do not, I repeat, do not have the claimants best interest in mind are common elements of this company. The reviewers will "forget" key medical documents existed, they will enlist outside sources to obtain information already received, they ignore claimants statements regarding their condition... Ultimately, they posture in hopes you will forget about your claim and not pursue it further. They are very quick to make a decision as their reviews have the company's best interest in mind.

Received phone call from Prudential congratulating me that I was able to return to work after 10 years on disability. A doc that only gave me a injunction in my thumb somehow made an error on paperwork they filled out which the doc contacted Prudential and resubmitted new paperwork. Well next Prudential informed me that they needed look into my case more. Well after 2 weeks I was contacted and told that their decision stands. They admitted I can't perform my normal job duties but they found me a nice sit down job.

I applied for LTD after exhausting my STD, was giving a Disability Consultant, then she was changed to another, filled out all the proper paperwork, provided all requested info, sent in all needed info, was sent a letter that they needed a 30 day extension. (They were waiting on EOBs) from an Insurance I didn't have at timeframe they needed, this was after I called 3 times and spoke to 3 Reps and they told me they didn't needed anything else. When I called my Consultant and told her this, her response was "I don't know what was said."

Am getting the runaround now with them, have had lumbar fusion on my S1, L5 and L4 and 6 screws and 2 fusions, and also total right shoulder replacement, but they want separate paperwork for each surgery. They are just trying to bet people out of STD in my opinion. I will keep in touch to let you all know about my outcome.

Both me and my husband out on LOA since Dec 6, 2017. I have gotten paid one time!! Delay in pay for benefit provided by employer and buy up by me. Getting the runaround. Feel like I am being watched. I am not a paranoid person, I pay great attention to detail!! Have not spoke to same person twice.

I was diagnosed in Aug 2016 with breast cancer. I had every intention of returning to work after my mastectomy. After my mastectomy I developed chronic pain, Lymphedema and lost functionality on my left side. My employer fired me, they do not offer accommodations, and stated if I am not 100% unrestricted then I may not come back to work.

I have been on LTD for almost 5 yrs now. Prudential has wrongfully cancelled my claim 2 times after having 3 major back surgeries and only able to do light duty part time work. They are going to cancel my claim because I can't find a job that will allow me to rest when needed due to my condition. The last time they cancelled me I lost my position with my company of 12 yrs. and they didn't care! I proved both times they cancelled my claim that it was wrongful and had 4 doctors behind me saying the same thing. They sent me to one of their doctors who said that I could work part time which I can but only if I'm allowed to lie down and rest as needed. Who will hire me like this? They just want me off LTD even though I am disabled through no fault of my own. I was making $120K a year before all this. Now I'm at poverty level!! Prudential has done nothing but harassed me from day one.

For 15+ years I paid into LTD through my employer. Back in October 2014 I filed a health-related LTD claim with Prudential Insurance which was handled through Allsup (their representative). For 2-1/2 years I pursued a disability claim through Social Security Disability related to this Long Term Disability claim. I was out on LTD for 24 month (the maximum that you are allowed on LTD). I had to give up my employment and received monthly payments from Prudential throughout this period. During the course of this LTD claim I filed with Social Security for Early Retirement. After 2-1/2 years my disability case went before a judge and I won my case. Social Security paid me a large sum of money for retroactive pay during my time out on SSD. I received the check from SS and was required l to pay back the entire amount to Prudential that they had given me while out on LTD. I never got to keep ANY of the settlement.

I found the assistance incompetent, dishonest and inaccurate. Also, I did not receive all requested information. While I have a list of grievances too lengthy to list about Prudential, it all points to a lack of Integrity besides the other major flaws. I have retained a message on my answering machine from a manager from Prudential saying my case indeed qualified as a long term disability case. It insults my intelligence in the way it was mishandled by Prudential.

I have to use Prudential because that's who my employer uses for salary continuation for FMLA leave. They said to put in my claim 2 weeks before I expected to be out. Good thing I didn't listen. I'd be panicked if I'd waited that long. Created an account and submitted my claim yesterday (over a month ahead of time). They sent me an email saying there was a new letter on my account. Logged in and searched for 10 minutes trying to even find where this letter would be. Then I find it and it says there's 4 attachments. I had 3. The 4th one is the one I need to take to the doctor. I sent a message on the website and specifically choose email correspondence as my preferred method, since they did ask.

On short term due to a motorcycle wreck I didn't cause, torn knee ligament... only been off 2 weeks. Had 1st follow up appointment on Wednesday and 8 am Friday Prudential calls telling me they are going to cut my payment off because they need record from last appointment... Dr already faxed it Thursday. Prudential admit that it takes 2 days or more to get them to right people when faxed, but they call and threatened me... with a torn up knee, can't drive, barely walk, from a wreck I didn't cause... make me feel like a criminal to get paid what's owed to me. What I don't get is they expect this every few weeks, like me PCL is going to have a miracle and heal in 2 weeks. Poor service to it customers... also, they refused to give me long term coverage period due to me having had back surgery in the past.

I have Prudential Disability Insurance through my employer which I pay for. I began a claim on January 1, 2016. I was asked for my records, which I sent. I was called multiple times for more information. I went through Rothman to obtain the information. Then I was called multiple times concerning the information was not correct. This process continued until this month-Sept. 2017. I was not called about the status of my claim. I emailed the company because I noticed it seemed to say deny on the website, which by the way, I received emails stating I had information on the site but there was none to be found. After 16 years of paying for my disability, I am not able to collect anything. I was out of work for a year! I would NOT recommend this company.

I have had standard benefits through my employer with this company for 4 years. I was approved for 6 weeks maternity leave with 2 weeks antepartum benefits. Needless to say, I only received 5 weeks and 2 days of maternity leave and their explanation to me was that since I gave birth on a Wednesday, my benefits ended on a Wednesday. I was not paid for the 2 weeks antepartum and I still have 3 days that they refuse to pay. THIS COMPANY IS HORRIBLE!!!

When my husband contracted a debilitating, mysterious illness two years ago and became unable to work. We were unsure of our options, but Prudential's team made the transition from work, to STD, to LTD as easy as possible. Allsup, whom they contract to assist with the SSDI claim, is largely worthless --- but when we complained about them to our agent at Prudential, Allsup immediately stopped calling or mailing us. Throughout the ordeal of diagnosis, treatment, and having our lives completely thrown upside-down, we have been grateful that we have not had to worry about maintaining our financial security. The team at Prudential has been compassionate and efficient every step of the way.

I had short- and long-term disability through an employer. After an auto accident revealed I had severe back problems which required immediate surgery, I was placed on short-term disability. Almost 2 years later, after being told I couldn't return to work because my condition was still unstable, I watched in disbelief while Prudential approved my request for continuation and then, right before it would convert to long-term, they cancelled my approval, saying that the doctors were wrong and I could work. Subsequently, I appealed the decision and they once again overruled it. It created a fiasco and subsequently because of no income, I lost everything. Even though the doctors, specialists and Social Security agreed with me (I won SS disability the first time around), I couldn't find an attorney to take my case against Prudential. I'd recommend anyone to steer clear of Prudential.

I purchased a long term disability policy through my employer! I had the policy for years and when it came time for them to pay up, nope I wasn't disabled enough! I complied to all their requests! Seen their doctors! I hired a lawyer so it's yet to be determined what is going to happen! Do yourselves a favor and go with another company! All you do is pay for absolutely nothing!

I have several complex medical problems and have long term disability insurance at Prudential through my work. Until 2015 my health problems fluctuated and I was able to return to my job part time, I have been unable to work for medical reasons since May 2015. In the last few years, I have had a succession of disability claim managers and have never been informed when they change. My latest one will not give me her email or direct phone extension insisting that I use the helpline. Prudential never contacts me by email or email when they want additional information or to tell me the benefit payment has been delayed. The helpline varies from quite helpful to totally useless.

I was approved for the minimum possible coverage for my maternity leave. I kept calling two months prior to my claim being active so as to make sure everything was in order. Not one rep called me nor did I receive a letter in the mail station by my coverage, dates of claim in place, nothing. I got an email about logging in into my online account but the site under my account was empty; they did not input anything. I spoke with a claims supervisor and she was completely useless. I have had this so called insurance for 5 years and have been paying per paycheck. Such a waste of my time and money. Complete joke!!!

HORRIBLE. FILED in MAY. They have delayed and delayed with one excuse or another and finally have given me a disallowed status even though I have a clear documented case and I have filed a new case pending for social security disability. Do not use this company. Do not purchase this insurance. Why they are allowed to do this to people is beyond me. I have lost my vehicle, facing eviction, can't pay my bills and currently doing everything I can just to make ends meet.

Recovering from surgery. Short term disability being utilized. I am going back to work but the recovery for this is 3 months. They worry you to death with paperwork and updates. How can you get better when you are worried sick that you are not going to be paid. They are horrible. Again, this is just short term disability being used through my employer. I have NEVER been sick and when I finally need them they make my recovery a pain in the rear end.

I'm an RN and have paid for LTD for many years. In September 2014, I was diagnosed with Lymphoma, I was thankfully covered quite well by HCA as I had been employed there for over 8 years. When my short term ran out in February of 2015, my daughter was still in high school and I went on the long term disability I had paid for through Allsup with Prudential Insurance. I moved in with my sister that summer as we lost our home.

Paid for years expensive premiums through JPMorgan & Chase disability benefit. They cancelled me after a few months and never paid more than 50.00 per month because State of California (my money I contributed since I was 14...) paid me. The minute the state exhausted funds they stopped their offset of 50.00! ...I made 6 figures the majority of my life. They are a complete rip-off and hopefully will be taken care of with the new Presidential Administration. The people that work there are criminals and liars. They take our hard earned money for premiums and when we need it, they fight you. Please boycott this company.

I qualified, through my employer, in Jan 2016 for Disability Insurance through Prudential. I filled out all necessary paperwork, continue to give them updates about my condition, and have gone as far as tracking down doctors I saw in 2014 and sent in records in order to prove my need for neck surgery is not related to any preexisting conditions.

I currently on short term disability. For over a week my case manager contacted me claiming they still needed information to extend my claim. After providing requested information to both her AND a customer service representative I was notified they still haven't received the information. I called today to give them the information for a 3rd time. I was then notified I would not receive my benefits for this period because they were waiting on information from me... which they had for a week now. I have 2 small children, house payment, car payment, and student loans to pay. Very rude, unprofessional, and uncaring. I almost feel like my case manager did this out of spite. Shameful.

I quit working for Mercy Hospital after 35 years due to MS. The parent company is CHI. I was approved for LTD August of 2015. In October I withdraw my pension from CHI. I am 59 years old. In January of 2016 I was informed by Prudential that I cannot have my pension and disability (it was less than 50,000) so they are going to deduct the amount of my pension from my disability check and by the way I need to pay 2700.00 to cover the last 3 months of payment. It was my pension and now it is prudential's. I was never informed of this when I withdrew the money. So if you work for a company and prudential is their LTD company don't use your retirement if you go on disability.

I have been battling with this company and their third party (Allsup) for an accurate assessment of monies they say I owe resulting in my Social Security Disability Claim approval. I was quoted 1/2 doz or more numbers from either party VERBALLY only. At my own initiative, I used their own pamphlet to create a spreadsheet and paid them less than 30 days. To date they continue to hound me for more money--each time advising they made errors and changing their $$ amount due in each correspondence to a higher number. I have not had the same person handle a response twice. This has been stressful to say the least. Further, they have issued a 1099 to me without a resolution to this matter (which was from 2014)! Poor, poor, poor.

I worked at a large company for 20 years and became disabled due to encephalitis. When you become disabled from the government your children can collect disability also. That's when the trouble starts with Prudential. They count that as your income and I got an overpayment statement for 55,000.00. I did not know it counted for your whole family. I thought it was just for my salary. Now how can I pay back that much and only receiving ssd from the government? I have to live also. Prudential does not care. I BET THEIR WORKERS GET SOME KIND OF KICKBACK IF THEY SAVE PRUDENTIAL MONEY. WARNING: DO NOT PURCHASE.