Prudential Disability Insurance

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.

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.