Prudential Disability Insurance
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Prudential Disability Insurance Reviews
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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.
Updated on 04/03/2018: Been out on STD for 16 weeks now, going on 17. I have gotten 3 weeks of pay, I think. Who can fix this in a government position??? I need my money that is a benefit and something I contributed to. Please help me. I have contacted an attorney through email. Too much work there for me right now with my health that seems to be getting worse without my money!!!
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.
The claims adjuster calls monthly threatening to cut off my claim. She has numerous doctor reports that state the damage is permanent. I can’t raise my left arm above chest level, I can’t lift more than 5lbs. I need help pulling clothes over my head, cooking, cleaning etc. I homeschool and have 4 kids, she states that if I can take care of them I can work. I explain that they actually take care of me... she stated since I see a counselor then it’s now a mental case and they don’t pay mental. I stated no the counselor is helping me learn to accept my new damaged life.
I’ve been restricted from the website for 4 months and they have all kinds of excuses why they can’t fix my access. At the same time they place documents on the website I can’t access and I’ve requested they mail them. I feel these are deliberate tactics to say I’m not following thru. Luckily I keep a notebook of every phone call I ever made to them with names and numbers. I feel they are a highly suspect fraudulent company...
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.
I got buried in credit card debt the last time they cancelled me and I went through the whole appeals process a second time which took almost 6 months. Who can lose over 40% of their income when you're already in the poverty range? Erisa Laws were supposed to be there to help workers not let them get "hosed" by the insurance companies!! When they cancel my claim again I can't sue them. All I can do is pay an attorney $5000 or more to take them to Federal Court to get a judgement for them to cease their actions and reinstate my claim. These insurance companies like Prudential bank on that people like me will go get any sort of job while fighting them to support their families and then thus proving I go do gainful employment!! So then I out tens of thousands in the long run and still disabled! I have had countless claims managers since this began and I think they get a bonus each time they cancel a claim and get away with it.
They have their "doctors" which are nurses look over your medical files and determine your claim on whether you can work, but when that doesn't work they send you to one of their doctors at a workers comp clinic to look at you, ask you some questions, and briefly review your medical records. Mine are like a 1000 pages long!! How can a doctor that's never treated you before or ever run any tests on you determine if you're even fit to return to gainful employment? They really can't!! I am beside myself in total disbelief they get away with this!!!
I did find out that the US Department of Labor is supposed to be there to help you and can go after disability Insurance companies, though not many people know this. Attorneys and the Insurance companies are banking on you not knowing this little bit of information by the way!! This system was made for Attorneys by Attorneys and the insurance companies have a whole bunch of them working for them, where the little guy can maybe afford one. You best find a good one if the US Dept of Labor doesn't help you!! Good Luck if your company has Prudential disability claim management services as their LTD carrier!! See you in the poor house!!
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.
In addition to that, while out on LTD I had filed for early retirement which I received for a few month while still collecting LTD from Prudential. I went to SS and asked if I was allowed to do this and said one thing had nothing to do with another. Now Prudential claims I owe them more money for the time I collected Early Retirement. I had to go on a payment plan with them and although I paid them back on a monthly basis they sent my account to a Collection Agency who has been hounding me for a year. I recently did my 2016 income tax and found out that this is considered income which resulted in my having to pay back the IRS even though I saw none of the money. Prudential Insurance has to be one of the worst companies I have ever done business with. They are relentless.
I suggest to other LTD claimants to get everything in writing before signing any paperwork from Prudential. I found out that had I lost my SSD case I wouldn't have had to pay them back any money. So I pursued this SSD for nothing. Had I known Prudential was going to ask for it back I never would have pursued my case for 2-1/2 years with Social Security. And when I questioned Prudential about the premium I had paid into LTD with my employer for 15 years they told me it was like buying any insurance policy. This is the most ridiculous thing I have ever heard. When you pay a premium for car insurance, if you get into an accident the insurance company pays out on the claim and doesn't ask you for the money back (except a deductible). Be very careful when dealing with Prudential. They are relentless and will get you one way or the other!
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.
So of course they call my work phone while I'm at lunch. They don't tell me why and give the general 800 number for me to call back. So I get on their automated system and spend 5 minutes getting to someone to find out what they called for. Responding to my message that I asked to be emailed on. I work in a cubicle farm. Phone calls are tricky. The lady tells me they need the doctor's phone number and fax, which I put on the original claim info I sent. Somehow their crappy site didn't take it. I google it and she adds it. Then she tells me where on the site to get the form I need.
In the meantime, I can't log on and get anything that way because my account timed out and has now locked me out. I asked her how to get the account unlocked and she tells me the site is having problems and I.S. is working on it. Whatever. Print my form to take to the doc and it needs my claim number. Guess what? I need to be able to get into my account to get it (which I can't). Son of a... Back on the phone I go. So 4 phone calls later, the resolution is "I'll have to call tech support to fix this issue. You'll get an email in the next 24 hours."
What a terrible company. I feel like I'm trying to get my mortgage refinanced. It's bad enough if you're needing to use FMLA for some issue in your life then have to deal with this circus of a company just to get paid while you're out. I pray for you that your company doesn't require you to use them. It's a nightmare. If you have a choice, DON'T DO IT. Go with someone else. Bob's disability claim service if you need to. Your neighbour working out of their home will do better.
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.
In the last year I have had several months where my benefit has not been paid promptly usually with the excuse that new manager is reviewing the case or sometimes that they need additional information from my doctors. Most recently, they wanted information on a traumatic brain injury which occurred nearly 2 years ago which has been stable since 6 months after it occurred. This probably the least of my medical problems. According to Prudential's own information, the claim has been approved for the next 18 months. I have always had to contact them or sometimes additionally have HR at my workplace contact them to obtain payment.
Currently, it is now more than 2 weeks since the benefit payment should have been made. I am waiting for money to come through to my bank and was told 4 days ago that it should be in my bank in 3 days. It is now the 4th day and nothing is even pending in my bank account. The claim manager I talked to last week seemed quite unconcerned that I had a negative balance in my checking account. No attempt is ever made to reimburse me for the overdraft fees and late payment fees incurred. This is in marked contrast to what has happened on the (rare) occasions when I have been accidentally overpaid during times when I was back at my job part time. Then Prudential has phoned me to demand instant repayment! I am frustrated by the ongoing problems and would give Prudential zero stars if that was an option.
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.
My daughter wanted to remain with her grandmother. She filed for separate government disability for the 3 months she qualified for while in high school, completely independent of me. I had to pay Prudential back for that money. I just don't understand that at all. I never saw or benefited from that money. They just quit paying. Worthless company. The only good thing is they do all your paperwork for government disability, but they only do that to recover the money they've sent to you. Seems like what they do should be illegal.
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 continuously call and my "case manager" is NEVER available to speak... leaving me speak to customer service representatives who are nothing more than glorified message takers. I even once returned a call 30 seconds after I received it (while in the hospital) and was unable to get in touch with my "case manager." The representative I spoke to claimed the case manager was no longer in the office when I had literally just missed a call from her within the prior minute.
I have gone above and beyond to provide every piece of invasive medical records Prudential has asked for and am either told it's not enough or that they did not receive it at all. It is now close to May and I have received continuous Extensions for "further investigation." Meanwhile, in the past 5 months, I have had to sell my car, sell my furniture, and move in with my mother because I cannot afford rent or food. I am baffled by how this is legal. I can't pay medical bills that need to be paid yet during my employment Prudential happily deducted money from my check for Long Term Disability insurance! I am at a loss of what to do. It is a shame this company is allowed to operate in such a soulless way!
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.
I had Prudential Disability Insurance through work. I paid in for 30 years. I had triple bypass surgery and after surgical failures and a staph infection which required four open chest surgeries where they removed most of my sternum and I developed a large hernia under my ribs which over time has split my sternum almost in two and I have lost the integrity of my rib cage which moves constantly which causes great pain frequently. I have also had several hernia surgeries in the past which are coming apart also.
It is normal for my BP to go sky high 175/120 last time it was taken. I can barely function most of the time. Two doctors, a general medicine doctor (my primary care doctor originally) and the head of cardiovascular surgery at a very large and well known health system have supported my disability from the beginning and this was ignored by Prudential. I lost my job and benefits in 2014 and started receiving benefits from Prudential.
Right from the beginning the threats of cutting off my benefits began. They actually did cut me off once without notice because they said my doctor didn't fill out a paper they wanted. I grieved the action through HR at work and they paid but only after ignoring my calls at least 10. They caused me nothing but stress and worry constantly. Ten different people must have called me over time about my case. I never knew who they were most of the time. I had a rep which I kept informed about all aspects of my case, usually I had to leave a message because there was no answer.
Today I received a call from someone else I never heard of who tells me I will be cut off April 1st. They tell me I can work. They identified three jobs in my profession that they say I could do. Two of these jobs I have never heard of after 30 years in the field. If I cannot get my SSA disability benefits this will put me on the street. I guess I fall under the two year rule. They don't care how sick you are, they just want to end your claim. It has taken this long because of losing my benefits and health insurance I had to go to the VA and have to go through all my appointments with the services all over again. Do yourself a favor, don't get mixed up with this company. They don't care about you and will make your life even more miserable. I know, believe me.
I made the unfortunate decision to have "Prudential Disability Insurance" as a teacher. I have them to be nothing but "liars" and that they will do anything to get out of paying a claim. They will be glad to take your premium payments, but do not expect them to pay you when you become "disabled" and need help. It makes me just so sick to see the way they have treated me. DO NOT DEAL THIS COMPANY. It is the WORST!
I am disabled. Per the government, I paid Prudential LTD extra for almost 26 years to get 65% of my salary before I became disabled. Now 2 years into LTD they say I owe them $30,000.00 in over payment as per my contract. On Sept 20 I received a letter stating if I don't pay the entire amount by October 1st I'll being cut off totally. No information about discussion about wrong numbers used to make this determination. Nothing to help me. Don't bother with buying LTD because it's not going to help you thrive if you become disabled. Save the money yourself!! Prudential and I'm very sure other insurance companies are in with legislators hacking the laws to suit the corporate entity. Insurance companies should have no rights to my Government disability. Meaning I'm paying Prudential to take what I paid into SSID for almost 40 years? Who knowingly would do this?
After 25 years with a big company my husband was terminated after a rotator cuff surgery. Back at work, tore rotator cuff, another surgery. Eight months early Prudential stops paying him. Even Dr said he's not able to work.
I paid on one of Prudential's expensive "own occupation" policies for about 30 years. When I got sick I made a claim. I have a condition that causes many symptoms. Some of the most debilitating are cognitive difficulties, chronic fatigue, joint and muscle pain, itching, diarrhea. These symptoms come on without warning and can keep me in bed for days. They can not be effectively controlled with medications. I am a professional and not knowing how I will feel day to day or if I will be able to think clearly prevents me ethically from doing the work I was trained to do for the last 30 plus years.
My doctors determined that I was disabled for my job and Prudential agreed to pay. I spoke to an attorney when I filed and he said that Prudential would do what they always do and pay me for two years and then quit paying me, finding any excuse they can to deny the claim at that time. That is in fact what they did. Now I am left with no income. Thanks Prudential. It should be against the law to do what you are doing. Insuring against disability and then not coming through in a person's time of need. I trusted that I was completely insured for any disaster but Prudential does not deal honestly with their insured.
I was lied to by both my claims manager and her supervisor. They did a 6 month check with my neurologist who said I was still unable to work. I was to get the difference as per my policy per the supervisor after I got SSD benefits. Now they're telling me no. Case is closed and I can appeal. Which I definitely will. Do not believe what they tell you. They are lying and don't care. They have the proof they needed and still closed my claim which is a benefit to me!!! I just had brain surgery again too. They are liars. Do not use Prudential for your long term insurance, especially companies. They will find a way to pacify you then take everything!!!
It's been over 6 months from 03 March 2015 that I've been injured and still haven't received a payment from Prudential - been paying in for over 17 yrs and nothing. Always need a new form filled out or still working on it. No calls, no contact - same old story. They take your money but refuse to pay you. It's a scam, very rude and almost like a pyramid scam.
I have been on disability for over 12 months but now the company states they believe I can get a job sitting. My cardiologist will not clear me to work in any capacity and states he sent the paperwork in to this effect. The company rep states she only has notes and not a "form" she sent to his office twice. I depend on this money in addition to my social security disability payments to survive. I will not be able to pay my bills or buy food without this money. I have had to continually prove I am unable to work as if my condition has improved. It has not.
I am a 62 year old female working in the technology industry. I have works for major companies for 43 years and remained a high performer throughout my career. I have never filed a disability or workman's comp in all this time. As things will go, I filed a claim for short term disability and Prudential is the disability carrier that represents my company. They initially approved and paid my STD benefits, but abruptly denied them for failure to secure medical records. I personally provided to my "Authorization to release of medical records" on multiple occasions, however these requests were never submitted to my medical provider. I provided approved copies directly to my healthcare provider, but Prudential never requested the medical records.
Upon appeal, I personally received my medical records, to include all doctor’s notes, tests, diagnosis, medical plan, etc. I received medical records from all doctors that I had seen, including my prior health history, to provide proof that there was no pre-existing condition for all doctors who have treated me. Even with all my medical records and certification of disability from two doctors, Prudential denied my application for short term and long term disability. No reason has been provided to me for this decision and I have filed a complaint through the California Insurance Commission. This is completely unacceptable conduct, which represented harassment and taking advantage of a senior citizen, at a time of vulnerability and weakness due to my continued health issue.
I am sorry to hear that I am not alone. Let me just say this, when you are disabled there is reason for that claim, you may not be well enough to run around to doctors and pay for reports every month. You may be shut in and unable to even comprehend the politics of getting payment for a claim. Getting paid on a claim should not be work. It is a form or replacing an income when you can not work. I was more stressed at home hunting down doctors notes than on the job that put me out in the first place. Prudential would not be an LTD insurance of choice if I knew when they visited my office what I know today.
They waited way too long to pay on the claim and reviewed every month requesting additional doctor’s information. The hospitals and doctors sent them the information and the claimed they never received it. They held off paying me for two months because they needed additional information and then they sent me a letter saying it was my responsibility to ensure that they received this documentation. Yes they provide service with a smile, but they are the only ones smiling.
The representative had me crying on the phone and all she could say was she was sorry but would not extend benefits till she had all she needed. I signed up for a program I believed would take me out to retirement if I became ill. Boy was I ever wrong, I could no longer work due to my condition and they dropped me like a hot potato. The representatives don't tell you these things when they come out to get your money. Maybe I just don't understand LTD law.
These people need to be held accountable for what they put people through. January 2014, I endured septicemia when a disc in my back became toxic. I went through it all. Organ failure, multiple mini strokes, open heart surgery to repair 2 heart valves due to the infection, pacemaker placed - endured a medically induced coma, and spent 5 months in a rehab facility before I was allowed home. July 2014 I wanted to try and regain control of my life, against doctor’s orders reluctantly he let me return to work part time, Prudential still "reviewing" the case - October 2014 they denied me even though I had not returned back full time. By November 2014 I was on medical leave again - my body and mental capacity just wasn't strong enough. January of 2015 my doctor placed me on total and permanent disability - that I could no longer work.
Reopened my case to fight the 1st denial. By March they were still telling me that they were waiting on my doctor’s information as it had not been received - my doctors submitted 3 times! My Thoracic surgeon sent them a 290 page transcript, my cardiologist sent records, everything but my DNA - (Oh and let’s not forget that when I called to check the status, they had ALL my medical information incorrect and I had to correct them - because they can’t get their facts straight.) I was supposed to get a final work by March 30 2015 - At the 11th hour - Oh no... We don't have enough information NOW. You need to see a Neuropsychologist because there is no mention of strokes in my medical records. All this information was included in the 290-page transcript from my Thoracic Surgeon alone and my doctor. They took an additional month to schedule this exam.
May 1st, I saw their so called IME - "Independent Medical Examiner". Another month later - today actually - they tell me that their so called IME they sent me to could find no evidence of stroke and that all my "mental and cognitive" functions were normal - Well not to bore with details - I know for a fact they are not normal and lost a lot of mobility on my right side and lost my vision in my right eye... But to them I’m Normal... Their reason for denial - I went back to work in July for a short time - and their IME found nothing wrong with me. They told me what my dollar amount a month would be - Bottom line is they don't want to pay out all the back retro pay they owe me.
These people will stall and stall and stall and make you jump through every hoop imaginable and then deny you. So now I have the daunting task of letting my lawyer deal with them - while I await SSDI on top of it. I paid into this benefit and now I can’t use it when I need it?? REALLY?? These people are crooks and lie just so they can keep their bank accounts lined while the rest of us who are in dire need suffer at their hands. Totally disgusted with these people. Can’t wait until my lawyer gets ahold of them!
Prudential outsourced my account to a company named EMSI. They kept insisting they didn't get my medical release form, I bet I sent in that form 4 times. I had a letter from Prudential dated April 2, 2015 stating they had received my medical records but EMSI started hounding me May 5. UNBELIEVABLE!!! I finally sent an email to EMSI & the ConsumerAffairs with a cc to my benefits coordinator. The next morning at 8:15, they found my release and problem solved.
The worst experience of my life. A scam is the legal? Today is April 26 and I filed December 4th and got an answer approved and started getting payments for 1 month, then updates needed from my doctors. My case have remained in pending status since last of January. No update as to whether I have been approved or denied. Every time I call for updates it is the same things, we need this or that. They have my medical records from all doctors, and still insist on more records or I've had to call my doctors and have the re-fax medical records over and over.
Then they said my pharmacy hasn't sent my records. When I call my pharmacy, they gave them a call to see what extra they needed but Prudential stated they needed nothing more, and went back to stating they needed records from my doctor, when I told them the time frame they are requested I did not go to the doctor, still my records states pending. They take sick people and play the runaround game with them. This company is a joke, pass on anything from them and save your money. Maybe it will help out in your time of need.
Updated on 05/14/2015: After 4 months of run around, saying they needed additional doctor's information, needed more RX records nothing have me wait 10 days and then starting all over with the run around, they finally called and said they did not approve the short term. What a company. They are just a joke. When you are down, unable to help yourself due the health issues, they will not stand by what they promised when taken out the insurance. So people if your company is offering short or long term disability with Prudential, help yourself, and keep that money in your pocket because you will need it if you get sick. The President states we have to have insurance but companies like this are allowed to operate. Take your money and not give the service. What a world we live in. I would not even give Prudential a one rating. They are below standards.
I felt that I was alone on this journey. I was on LTD with Prudential for two years. I was recently denied. Well, I've been denied numerous times and have jumped through every hoop possible to have my denial overturned. They over turned them all except for the last, which is the big one... after two years! Their rationale for denying me was absolutely ridiculous. They claim that I am able to work, but I no longer have the use of my arm to do any job without causing further injury to myself or others. I have migraines weekly and can't take pain meds because they trigger depression.
I've had all test to confirm the damage to my shoulder and arm (permanent nerve damage as well as stretched nerves). The damage causes chronic pain. I can't recall sleeping more than 4 hours any night over the past 2 years. I can't drive using my right arm, I can't raise my arm past my shoulder, I can't pick up anything with any amount of weight, I can't put a belt on and I can't wipe using my arm after I evacuate my bowels.
Prudential came up with every reason to deny me, which I disputed with validation. They simply created more things to continue with the denial. It was laughable. I refuse to continue to play nice. They don't care about me (although they received their premium monthly with no problem) and I certainly refuse to care about them any longer. It is a travesty that these companies are allowed to do this to folks that truly need them. They are corporate crooks. They see only their bottom line and not the needs of the folks that have built their business into a formidable corporation.
I, for one, am tired of being abused by big brother. Hopefully, my lawyer can make them feel as crappy as they have made me and my family feel. They don't care that we can lose everything we own. I don't care that they are going to be sued. Prudential, you should be ashamed to treat your customers this way, but sadly you are not. I will NEVER use Prudential as my insurance carrier again. EVER!
Without a doubt the worst experience of my life. I wish I would have never signed up for this scam and I feel ripped off. I would highly suggest not purchasing this insurance because they will only find a way to drag out your case. I have had two people lay a bunch of crap on me trying to appease me long enough to get me out of their hair and also drag this out. I paid into this scam with the expectation it would be there if or when I needed it, I hoped I wouldn't need it but unfortunately and unexpectedly I did. I had the false sense of security that if I did need it I could count on it since I can not miss a pay period. They sure as hell did miss taking their money out of my check!!!
Today is March 28 and I filed January 27th and still no answer as to whether I have been approved or denied. This experience has taken so long that I have to assume they are going to deny my claim. When I call it is still pending! They have my medical records and still insist on more records. Now they are say they haven't received paperwork I sent to them back in January. They say my pharmacy hasn't sent my records yet. My pharmacy said that they sent the records when the records were requested plus they have all of my records from my doctors which has all the copies of the prescriptions I was given!!!
To make matters even worse, I can no longer afford to keep my health insurance payments (since I am not working I have to pay for what was deducted out of my paycheck) which means I now can not afford to go back to my doctor to complete testing or to get released to go back to work when my leave is up or afford my prescriptions. I am in such dire financial straits that I have had to beg my landlord to give me time to catch up on my rent with late fees which I can not afford. My lights are going to be shut off and I know my phone is going to be shut off. I am having to use a neighbor's internet service (with their permission) just to write this complaint!
This is a huge ripoff and I would suggest going with another company or if you feel you must pay into this scam, like I did, know that it will take forever and you will probably be denied! I despise this company. I think they ought to be put out of business and while I have access to internet and all of my social media accounts I am going to post every negative thing I can write about my experience with this company so that I can possibly prevent anyone else from going through what I went through. I will go on Facebook, Instagram, Twitter, Google, linkedin, Ripoff Report, even Pinterest and any other outlet on which I can vent to let everyone know what they can expect from these crooks! Good luck to those of you with cases pending. I have given up and have resolved myself to the fact that I am not going to be approved and that I am going to go through a lengthy period of financial struggles until I can get this straight!
I had a stroke in January 2014 in which I lost my vision completely in my left eye. This was the last in a string of major medical issues which included heart attacks, strokes, TIA's, PTSD, lower back spasms and other problems I would rather not mention. I used up all my FMLA, then Short Term Disability. I had absolutely no problem with FMLA or my STD (which was with a different company other than Prudential), I filled out the paperwork for LTD well in advance of my STD running out so that the LTD would pick up where the STD left off. I filed my paperwork with Prudential along with Doctor statements and HIPPA forms that were needed for them to order my records. I was told that I would have a decision within four to six weeks.
At the end of the six weeks, I called Prudential and asked what was going on. They said that they needed a few more days. The following day, I received a phone call from a manager at Prudential who basically said that my paperwork had been misfiled and therefore, no work had been done on it. They said they needed additional time to conduct the review. The review was conducted and I was awarded LTD benefits. They informed me that I had to submit for Social Security Disability, which I already knew and had submitted the paperwork to Social Security. Approximately ten weeks after the start of my LTD benefits, my Social Security Disability was approved. Then Prudential stated that they were reviewing my claim and asked for additional information. I followed up with everything they requested.
I received my regular payment in January, 2015 and then in February I received a letter from Prudential stating that they felt that my disability was not severe enough to warrant continuation of benefits and therefore my LTD benefits were terminated. Even though my Social Security Disability was approved, they said that I did not meet their definition of disabled. They claim that there are still things that I am able to do. I have NOT been released by ANY physician to return to work in ANY capacity. Prudential said that I can file an appeal. Then they said that if the appeal is denied, I can sue them under ERISA. So, I am now stuck with only SSD to live on. I can't work. My condition has slowly been deteriorating and there is no hope in sight that I will EVER be able to return to the work force IN ANY CAPACITY.
I paid into LTD benefits while I was employed at my last job specifically to cover myself and my family if anything happened to where I could not work. So I would not have to try to live just off of SSD. So they took my money, have said that even though I cannot return to work, I no longer meet the requirements of LTD. I believe this company should be investigated and their license suspended. Common sense should say that if I am not allowed to return to work in any capacity, I HAVE to meet their definition of LTD.
I have had Prudental short term and long term disability for over 20 yrs. I have worked for my company HCA for 31 years. I am an RN. I am turning 61 this month. I have many lifetime diseases such as diabetes and fibromyalgia and others. I cannot do my job any longer. I am falling and have tremors in both hands and am in constant pain. And my blood sugars are very labile...even with insulin and compliance with my diet, it can drop into the 40's or jump to 500 at any time. My fingers and toes are completely numb.
Prudential has denied my short and long term disability saying there is no reason I can't do my job. I am a danger to myself and my patients. If I could work, making my 70,000 a yr, I would rather have that than the 24,000 Prudential would pay. I am now homeless and have no income. They said I could appeal again or sue them. I have paid 40-50,000 into this insurance and when I need it, they deny me. I am destitute and have no recourse.
Out of work to have hardware removed from ankle. Unable to drive or walk. Only 5 weeks post op... they cut me! Want more statements and such! I was out of work over a month before I started getting paid... got 3 checks for Nov and Dec... then they cut me off! Tried to tell them nothing changed! I still had stitches down both sides of my leg and ankle and they wouldn't approve my LTD! I've filed bankruptcy and now have no insurance. Can't pay my premiums! BROKE AND STUCK IN THIS POST-OP STATUS. Can't go to doctor to be released to work again...even if I could work right now!
I went out on disability due to severe short term memory loss caused by HIV encephalitis. I started with 6 months of short term disability without any problems (Prudential did not administer my short term disability). The insurance company required that I complete a major psychological test (8 hrs of psych testing) that showed that I had deficits and was eligible for going on Long Term Disability. Short Term Disability was a benefit for all employees, where Long Term Disability was an option where the employee paid the premium. I had opted to take this benefit at 60% of my salary.
After being on Long Term Disability for around a year (Prudential Insurance administered this benefit), Prudential required me to take another psych test & the report came back that "I did not try hard enough". Which was **, how can YOU not try hard enough on this type of examination???? My psychiatrist arranged for me to take yet another psych test & it showed that I indeed had significant deficits. This test was administered at John Hopkins Medical center.
Another benefit from the major pharmaceutical company I worked for was health care for life after 10 years of service if you were 55 or above. I was 56 when I reached the 10 year mark. 5 days before my 10th year anniversary, my case manager at Prudential called & told me my Long Term Disability was terminated the end of March . My 10 year anniversary was April 15. I was in essence fired from my job due to this psych test.
To me & others who know this information strongly believe that it was set up by the insurance company & probably someone within the Pharmaceutical company. My only option was to file an appeal. I was unaware but found out that there were law firms that specialized in this. I interviewed several of these firms & sent each one a copy of the psych report for their review. One of the attorneys I talk to informed me that they were aware of the psychologist and "he was a ** for the insurance companies".
Appealing this decision cost me $35,000, but in the long run was worth it. We won the appeal but it took about 10 months for Prudential to come to their decision. That was 10 months with my only receiving SS Disability benefits. That required me to deplete my saving & because of my memory issues & permanent disability made it impossible to seek other employment.
Prudential was so unethical that I can't see why they are allowed to stay in business. I would also love to know who within my company was responsible for encouraging Prudential to act this way!!!!! I hope that this information makes the Insurance Company Federal oversight company either make them pay a hefty fine or better yet put them out business.
I can start by them not giving proper info. Paperwork taking 2-3 weeks to get to me. My claims on the website are never updated. They couldn't input the correct day I started std. My claims manager is never available. I am waiting for my appeals info for over a week. If everything is so time sensitive I don't understand why they take forever to get you the info you need. They set you up to fail. They received a statement from one of my doctors and told me they never received anything. Very unprofessional handling of claims. I am hiring a lawyer and going to contact my local news station to investigate. They need to be ousted for this. They are playing with people’s lives and financials.
I am living with no food and heat as we speak because they won't approve my claim. I have been dealing with this issue for several years and finally broke down because I can't make it to work everyday and my medical problem is affecting every aspect of my life. Prudential is a joke and they should be ashamed of themselves for ignoring serious medical problems. Things like this make peoples lose it and do things that alter their life. I hope karma comes back to prudential.
Prudential has called my providers and discussed topics protected by confidentiality, knowing trying to prod information out them that is covered under the law to be between a provider and patient. When unable, they then introduced provocative suggestions that are not relevant to my claim and included statements of observance while under surveillance that are categorically false - absolutely never happened. They know it because they filmed it so they say. As a result it has created conflict between myself and my care providers - left me with belief that they have no interest in even obtaining the truth of my conditions and are simply on a witch hunt. They send out thinly accounts and observations - ones that they would never accept themselves not to affirm - but to manipulate you and your providers into dialogue and content in which they may derive additional egregious, unfounded, untruthful actions.
I was shocked, shaken and angry when I was told they were surveillancing me. But I lived with this new violation and assumed that well they will see what they need to and this will be over. Except they failed to see the most obvious and unavoidable somehow. So they invaded my personal home, their outsourced surveillance company trespassed onto my property all the way to the backyard and to the bedroom windows - again violated. But again readily and easily should have seen what my condition has rendered, i.e. 2-3 weeks of bed ridden moments where I nearly never left one room. But they came to the conclusion despite 3 hospitalizations and providers stating a return to work would be "catastrophic".
Now prudential has stated they have not conducted surveillance (so they either lied to my providers or they're lying to me). And they want me to go visit their "independent doctor". How can any human with a single brain cell trust this Doctor, This Company, This Process? THIS IS PURE HELL, IMMORAL, it has to be ILLEGAL. THEY ARE THE MOST VILE COMPANY I HAVE EVER COME IN CONTACT WITH AND THE PEOPLE WHO GO TO WORK THERE SHOULD BE ASHAMED AND SHOULD KNOW THERE IS REAL LIFE DAMAGE AND VIOLATION HAPPENING AT THEIR HANDS.
I was put out of work in 2011. My job had prudential long term disability insurance. After I had been on the insurance, I asked them would I have to pay them more money back than what Social Security back paid me and they told me "No, we can not ask for more then SS back-pays you". After receiving my back pay check, they required me to pay over $600 more than I received. Even though they were still being paid for the insurance! They are robbing people!
This was a short term disability claim that was submitted for my husband, Kenny, through his employer. My husband had a heart cath. on November 17, 2014 because he had been having some chest pains. We were sent from the local hospital on to a surgeon in Charlotte, NC in which the surgeon immediately wrote him out of work. We received and filed the disability claim with my husband's employer in which they say they faxed to Prudential insurance on November 25th 2014. (fax confirmation by employer). As of December 22, 2014 Prudential did not have a claim. Employer refaxed to Prudential on December 22, 2014.
On December 23, 2014 Prudential sends out more paper work by snail mail because they need doctor statements from, the surgeon, the attending physician who administered the heart cath test, and from the family doctor all stating that Kenny had never been seen or treated by their office, from October 1, 2013 to January 1, 2014. And before the request can even be sent to the doctors requesting the additional information, a release form has to be signed and received by the insurance from my husband. Supposedly the employer's plan for disability has a pre-existing clause in the policy. A policy that we never were given a copy of. So as of date, we are awaiting snail mail for paper work, so that additional paperwork can be requested, so that it can be submitted for a review by Prudential to process or deny his claim.
I have appealed their decision to deny my claim and they continually bury me in paperwork and keep asking for my authorization to get medical records and I always comply. They keep delaying their decision over and over again every time I give them additional medical information. They finally made a decision and denied my claim giving me 180 days to request a 2nd and final appeal which is due by 12-13-14. I have requested the information on how to do this and they stated I just need to send them a letter with this request. The man I talked to over a week ago said he would send me the information about their last denial decision along with the address in which to send my appeal request to them and I am still waiting for this letter as the clock ticks toward the appeal deadline date of 12-13-14 date. They are being very slow in responding to me on getting the proper information to file this appeal, I believe that they are stalling in hopes that I won't make their deadline to file for the appeal.
I went on leave in April of 2014 after a hysterectomy (that was supposed to have been a three-week leave at most) resulted in lower right side inguinal nerve damage. This damage has prevented me from returning to my sales job because I am unable to stand or walk for extended periods, bend or squat, climb stairs or lift more than 5 lbs. I have had tests (MRI, CT, blood work), see a pain management specialist, had cortisone injections, and work with a physical therapist, an acupuncturist, a homeopath, and a psychotherapist in order to find relief from the pain. My healthcare team agrees that I *will* improve, but that nerve damage requires time to heal and can't give me a specific date of when that will be.
In the meantime, Prudential has done everything in their power to delay making a decision on my short term disability benefits (using all of the delay tactics that others have mentioned - initial claim rejection based on pre-existing condition claim, lost paperwork, failure to receive paperwork, etc.). They paid 10 weeks of my short term disability claim in August only after I wrote a letter to the CCO, Bob DeFillipo, outlining the unacceptable behavior exhibited by Prudential representatives.
Currently, they have put off making a decision regarding the balance of my short term claim (16 weeks) and anything related to my long-term disability claim, using their rejection/appeal process delay tactics and as a result, I have applied for public assistance to help with housing and food and am filing bankruptcy because I haven't been able to keep up with my debt payments for medical bills and such.
While Prudential may be within their legal rights to do what they do in terms of delaying claim decisions, they have abused the trust of those who purchased coverage in good faith and are now creating a burden that falls squarely on the shoulders of the American taxpayer by failing to meet their obligations. I may not be able to avoid the financial consequences of their irresponsible behavior nor be able to fight them in the courts, but I refuse to remain silent and allow this injustice to go unnoticed.
Was on long term disability from 8/09-8/14 for my hands and my back. Was suppose to be on it until 2032 but they decided to send me to a so called independent doctor which they paid for. He said that I was faking my pain but I have a mri that says otherwise and permanent restrictions and a doctor who said I can't work, but they did not care. They just cut me off with no warning. So now I can't even get a job because I'm not able to work because of the chronic pain I deal with every day. So now I am broke and about to lose everything.
It is a pattern to lie to claimants for continuation of their long or short term disability claim. Whenever the extension of benefit date is near, they claim to have faxed over requests to the Dr's office and have not received responses. When calling the Dr's office no such request was ever received. Their comments were that is standard procedure for Prudential that they lie. Then if you ask for proof that these requests were sent, they refer you to someone above their pay grade. The dance of deceit continues. The consumer needs to be aware of these tactics. In my case I can't walk spending time in the emergency room and providing all necessary documentation is still not enough. Their moral compass is off course.
I went out on short term disability in May of 2014 due to a twin pregnancy. I didn't have any problems at first. They stopped my payment 6 weeks after my twins were born which was via c-section which is a policy for 8 week leave after they were born. They stopped payment at 6 weeks and my doctor will not let me back to work. I filed for extension and it was denied. They sleep the office notes we're not enough. What does it matter if the doctor won't let me back to work? Now I'm without an income and unable to return my job. They owe me over $2000.
I am another Prudential victim even though it's my employer's group plan, as they should be as responsible too. I have paid for ltd benefits throughout my entire 30 year career never having a lapse even when switching jobs. I am 9 months into my position with a large payroll company when I got sick requiring a 24 week oral chemo type treatment. I had a tough time with side effects throughout the treatment getting even worse post treatment. I am not told this could take up to a year to recover and have now exhausted my short term disability and have been w/o income for 3 months now. Prudential has put through the ringer for the past 3 months due to a pre-existing condition clause. Based on the policy language and my circumstances, the pre-existing conditions should not apply to me.
There was a computer generated line item listing something incorrectly on an office visit that they are trying to say is why I was denied. I told them it is incorrect and asked if they interviewed my doctor to verify so that they can reverse this decision, as I should 100% be eligible. They never did even though they specifically said that doctor interviews was a step on the process. They intentionally did not check this or call him to clearly drag this out and avoid paying me benefits. They have been putting me through unbelievable distress with what they've required me to produce for them this past 3 months at a time where I could barely get out of bed much of the time. They said my only option is to go through the 7 month appeal process now.
So now I have to get an attorney and am running out of money as a single parent. I have always made sure to have full benefits and ltd and now after paying into it for 30 years, which much of that time was through Prudential, who has no regard for hard working people who need the benefits they've paid into and what the children will endure with no income while they are allowed to continue dragging this out for another 7 months. How does the government allow insurance companies to do this to so many hard working people who pay for these benefits? There needs to be some serious reform. I hope that I will recover before the appeal is completed but can't bear to think of what's ahead if I don't. I am running out of savings and if I'm lucky enough to get approved for social security the first time around, I still have 4 months before that can even happen, as I hear you have to be out of work for at least 12 months. I pray for justice.
I fell ill at work in December of 2013 and it caused my doctor and I to both be concerned enough to take me out of work until we could figure out what was going on. So of course it took forever to get forms and everything going for the short term disability. It was well into April before I ever got a response approval for this which was just for one week and I did not receive that until around the first week of May 2014.
Now the sad thing is I work at a hospital for 6 years and this was what I got in return, pushed out the door and never paid because I was still undergoing issues and if you don't have income, how can you possibly visit your doctor like you need to? It takes money to do anything including the meds I need to have and now I am trying to find health insurance since I am going after this company. The thing is I can't file unemployment and they let me go so it has not been easy at all. I am so disappointed at this company for being less than a consumer advocate in these unplanned situations.
I tell you what, let one of them have to go through this and I assure you the rules would change, they would pay out everyone. Shame on you everyone that sits in case management at Prudential and have less than a heart. We are real people and nobody ask for medical situations to come but I know one thing: you will never be elected to be my insurance group again and if I knew what I knew now, but I will be like a whistle blower and use my story of how I was overlooked and the benefits I paid into were given as someone who worked into the company for commission.
Prudential Disability denied my claim for disability in bad faith. The reasons given are frivolous and not required per the policy like no objective evidence (there was in fact but regardless it is not required), treatment regimen not congruent with severity of illness, etc. If you feel that Prudential Disability has also wrongfully denied your claim, please contact me. I am attempting to gather data in order to file complaints with the appropriate government agencies and also explore legal action for fraud. Thank you.
I have been out of work since June trying to find a resolution for Trochanteric bursitis (hip) and tendonitis. I walk door to door 40+hrs a week and surgeons have taken me out until 9/19 while we try to treat this. Activity modification is the first thing the dr. did - told me to avoid walking too much, standing, sitting for too long etc. Surgeon and myself provided all information as requested by Prudential and today, my claim is approved from 7/23-7/28. Before 7/23 and after 7/28, I am denied because my claim manager has decided that during those times, it would be ok for me to do my job (although walking affect bursitis and causes tremendous pain). My check for 5 days is $0.00 because my claim manager felt that was fair. No other explanation given. I had to call repeatedly to get a callback and email over and over. I plan on hiring an attorney to fight this. I've paid into this company for over 10 yrs and will never do business with them again.
Prudential denied my LTD. I am still in the diagnostic process of an autoimmune disease. I can't walk straight. I have joint pain all the time. Dizziness and falls and I am a nicu nurse and they expect for me to continue to care for patients in my condition. I would be danger to myself and others. Most days, I don't drive. I am getting a lawyer.
I went out on medical leave November 23, 2013. As instructed, I filled out the form to apply for short term disability payments. The disability dept at Prudential gave the wrong claim number to one of my providers so whenever she faxed progress notes, they had the wrong number on them. I did not know about this until March 2014 when I received a determination that I was not eligible for payments. It was then that I found out about not getting the progress notes. This provider and I finally figured out the the claim numbers didn't match. So I filed an appeal and the providers notes were finally "found". This was the most important provider for my case. Prudential kept using their "right" to extend the determination date by 45 days at least 3 times. I have a number of providers that I see for this incidence and all of them determined that I was not able to work. They are not being paid by me to lie about my condition!
Now it is July 25, 2014 and I still have not had a determination for either my short term or long term disability. My claim has been "tolled" and I have been informed they "might" have an answer on Monday, July 28, 2014. Meanwhile, it has been awful having to try to recover from this incidence under all the unnecessary stress Prudential has caused me. Everyone I know is totally baffled as to why they didn't approve it and pay the claim. If I don't get a positive answer on Monday, I am hiring a lawyer because this has gone on far too long.
Despite overwhelming evidence from very respected specialists regarding my Degenerative Disc/Joint disease, I ended up hiring a lawyer to get my long term disability. Despite living within 10 miles of the best doctors in the city, they sent me 30 miles out of my way, to grubby-looking buildings housing insurance mill doctors who just evaluate claims for Prudential and other companies as well, I expect. My lawyer insisted I video the exam, which was my right, but two doctors passed before I found one who would allow it. I was forced to be evaluated by a shrink then a work therapist. Sleeze 101.
Fortunately, I hired a lawyer before I even started the claim process for both Prudential and Social Security. Soc. security always rejects first claims, but I got an appeal without stepping into a courtroom. It took 18-24 months to finally collect from both. So, hire a lawyer before you even try to get a claim from Prudential. They'll fight to the last.
I have been on long term disability for over 3 years. I need neck surgery and have seen 1 neurologist, 4 neurosurgeons, 1 orthopedic surgeon, primary Dr and 2 of their Dr. I was told by all that I can not work in the job that I have been doing. I am on a lot of pain medications and need surgery. They just call today and said their last Dr to review everything, stated I could work at a sitting job and would not be denied anymore benefits. HOW AND WHERE? THEY HAVE NO RESPONSE. I NEED HELP TO FIND A LAWYER. I HAVE 5 KIDS AND BEEN ON DISABILITY SO LONG. I REALLY NEED HELP.
I hurt all over very bad 24/7, so I need to make it short. They are playing games and it seems that there is no communication between co-workers. I called 2 Senator friends of mine. Prudential has caused me much undue stress!! Stop the games!
I have been out on short-term disability for 6 months and it ran out April 15, 2014. Prudential insurance has been "qualifying" me for long-term disability since early March. I have bills to pay. I have taken all the vacation days at work that I have and they will run out Friday March 16 at which time I will no longer be able to pay my bills. I informed Prudential that if they do not give me an answer, I will have to go back on Monday 19th, which my Psychiatrist is very much against. She believes if I go back, I will end up hospitalized. I need Prudential to be held accountable.
My doctor and therapist have promptly given Prudential everything they have asked for to make a determination on my behalf. I am anxious, frustrated, scared. Being without an income is frightening and going back to that job is frightening. I asked my employer for reasonable accommodations, which they denied, so I cannot go back to another position. Disability is my only hope. It is not the representatives on the phone that I have an issue with, it is the corporate bureaucracy.
This company has stop paying me and has done everything they can to delay and not pay. I was shot with a 357 mag and suffer a lot of damage. They haven't paid me in weeks. They send letters asking for paperwork I faxed to them over and over. I sent them the full packet along with the confirmation. The austere is nasty and rude and threatens to stop paying and that I should just go back to work.
I was approved for short term disability from January 2014 through January 2015 to receive $900.00 bi-weekly. I have received four payments since Feb 20, 2014. $642.86 on Feb 20th, $1350.00 on Mar 5th, $900.00 on Mar 17th (my only on time payment) and $192.86 on Mar 18th. I have not received a payment since Mar 18th and each time that I speak with my case mgr or a customer service rep I am given a different reason. I was told by my case mgr when I first called that the long term mgr was reviewing my case and that per the medical records that I had submitted to her for my file to be up to date as she advised me to do, she should be able to push thru my payment at the end of March. I then was told by another case mgr that it wasn't the long term mgr, but the Medical Director but still no reason why my approved case needed to be reviewed when I was submitting inpatient records as well as continued treatment records from my neurologist.
I had already submitted the EMG report which stated that my condition had worsen. I continued to call almost daily and was told by a CSR that Prudential had faxed a requested to the hospital for my medical records. I had spoken to my new case mgr and had not been told anything about a request from the hospital so I called the hospital and was told that they would not accept a fax. I then called Prudential and gave them the mailing address and advised the mgr that the hospital informed me that it takes them approximately 15-20 days to send my report to Prudential. Of course that would mean I would have to wait even longer for my benefit. This after I had informed her and faxed her a copy of my 3 day eviction notice. I also was able to log into my hospital medical record and copy the reports that were listed. It listed all test and medications that I was given while I was an inpatient. I can't understand why all of this is needed when I am already "approved". I am able to be put out on the streets with nowhere to go. I have no money to pay my electric, water and medical copays, all that are due at the same time.
I have a chronic illness Polymyositis, that was approved by Prudential after fighting them for over a year and also being in the hospital and rehab for over 5 weeks due to the same chronic illness. I feel as if they are doing whatever they can to hold onto the same benefit that was approved. I have tried to get them to understand what they are putting me through, what I owe and the fact that I can't pay my rent without my benefit and if it isn't posted by tomorrow I am going to be evicted. I am also a diabetic unable to pay for my medication, which includes two different insulins, plus the copay for my medical appointment to my diabetes special which I am suppose to visit this week and my pain specialist who manages my neuropathy which has also worsen.
I had purchased LTD and life Insurance under my employer and from Prudential. They mislead people with gracious benefits, and fight you when you have a claim. They will do anything to get out of paying a claim. I WILL never do business with Prudential again. I worked for the Commonwealth of PA and they dropped PRUDENTIAL! Prudential DOES NOT REPRESENT their services honestly. I rate them as the worse company for Insurance. They were sent all papers to continue my life Insurance and denied it. They had no problem collecting my premiums for years. They also have refused to honor my LTD paying 65% of my final salary. MY biggest complaint is their misrepresentation of their coverage!!!
I worked at autozone as a manager. I paid disability benefits through prudential. I cut my foot at my house. It was on my heel. I was on my feet all day with my job. The longer I worked on my feet the cut got bigger. I put band aids on and worked for two months. The wound became worse and had grown in size. I went to the doctor. I was told it would be fine. I worked for another three weeks till the hole had grown to the size of a half dollar. I went to the wound care clinic in Birmingham. I was told if I did not stay off my feet I could lose it. I notified Prudential. They had a two week waiting period. By the time I got my first check a month had passed.
I used all of my short term benefits I had. I applied for long term disability benefits. I was denied because of a pre-existing condition. I do have neuropathy but I have had for 25 years. I worked every day with it. Prudential denied the claim because I was seen by a doctor a year before the injury. Neuropathy causes a tingle sensation sometimes in my hands and legs. It was not the cause of this injury. My claim was denied. I have been confined to bed rest. I have a hole in my heel as big as a quarter. My employer want let me come back to work with a hole in my foot. I am messed up. I have had the worse time with Prudential. This is the worst insurance company I have ever encountered. I paid 60.00 a month out of my check and it was money wasted! They are very dishonest and shady! They do everything they can to discourage you! I will appeal! If that doesn't work I will take it to court.
Prudential denied my short term disability claim after exhausting me with constant "more medical documentation is needed". I provided my case worker with over 50 pages of medical records, charts, doctors notes from visits to four different doctors. All indicating I could not work due to my chronic pain and fatigue and insomnia. For five weeks, I went without pay, running all over town while in pain and sleep deprived to get Prudential "additional needed documentation". My doctor hand wrote "Cannot work" with a lengthy explanation why. The case worker still denied my claim. Reason – Not enough substantial proof to support my claim.
Understand Prudential is not in business to approve valid claims. It is their job to find any possible reason to deny a claim no matter how valid. They override doctor's recommendations. How can a case worker be deemed to make a judgment call that supersedes a doctor? This is a horrible company with horrible business ethics. To my case worker – Enjoy your bonus for denying my claim while I default on my mortgage.
I never intended to write a review or share my experience; I just wanted to respond to one's story, which is EXACTLY my present situation. I'm so very troubled, I am shaking as I write this, because the denial to extend my coverage is ethically wrong, unjust, and more to the point, demoralizing because of their reason for denying the extension.
First, I must be fair and give the whole truth. Before my recent, and totally shocking letter stating their decision to deny my LTD extension, after 2 years, Prudential had been the epitome of compassion, soothing communication, offering reassurance and immediate activation of my LTD claim approval and payments. They knew what had happened to me over a period of 6 months that resulted in doing what no other (and there have been so many) traumatic event in all my 45 years till March 11, 2011. On that day, my eldest son unexpectedly and suddenly passed away. He was 22, struggling with drugs, but it was only time before that extraordinary stubbornness, strength, tenacity, tender-hearted lost boy overcame his weaknesses. But his death cert states possible homicide, investigation pending. His life was taken from him.
I had a total and complete mental, physical and nervous breakdown at the end of May 2011 following my baby's death, a lost job, my father's death, a wrongfully charged DUI, which cost me my license, and a sibling, closest in age to me, who I still cannot believe the evil behind his shocking accusation that I stole most of our father's inheritance. He knew I was incapable of even conceiving such a horrible thing. We have not spoken since.
It's been two years and 4 months, and though I have come a long way, I am still incapable of functioning on my own, and if it were not for my husband, I would be in a home still. These are the events that led to the manifestation of physical deterioration to incapacitation, major depression, a horrendous relapse of my medically diagnosed CFS, panic-anxiety disorder, C-PTSD, involuntary loss of control over bodily functions...in public, no less. High-blood pressure, sleep apnea, diagnosed the year before (2010), ADHD, insomnia, agoraphobia, tachycardia (always frightened, waiting for the next terror), edema, fibromyalgia, Type II diabetes, migraines, hopelessness, despair. The mind and body are one.
Yet Prudential, by denying my claim with the reasoning that the primary disability is mental-health related, and they cannot extend for mental disabilities. All my physical disabilities and limitations due to physiology were dismissed, and I am in shock now, a week later...still. It's cruelty. And it's wrong, unethical, unjust and a direct attack on an already broken, dependent, disabled woman who was getting better, only now to be thrown to the sharks.
I AM appealing this, but I am scared, knowing my limitations and already suffering from the stress and frightful impact I have to find the strength to endure for the days ahead, fighting for the right to qualify for financial help (a plan I paid for) that is so evident and apparent and well-documented, that I fight not just for myself, but for all those barbarically dismissed as eligible, because their mental health isn't recognized as being a pathological (of the body) disability that wreaks havoc on the physical processes, and vice-versa.
Any advice would be most helpful. I will keep an eye out. In the meantime, I believe The Mental Health Parity Act, passed as law in 1996, may be of help in my defense, and any others with similar circumstances. Thank you for this opportunity - to be acknowledged, understood and the chance to express my experience, amongst so many, that may my story be fruitful and multiply to gain enough awareness to make something good from what has not been good.
I obtained coverage for long term disability with work through Prudential. After 2 years I have a claim.. I have been off work for over 7 months due to Chronic High Blood Pressure, Diabetes, Diabetic Neuropathy, Edema and Diastolic Heart Failure.. After filing my claim I realized how pathetic this company was. First off I filled out the book of paperwork that they want and submitted it 3 times because they stated they "never received it". Then my medical records. My responsibility to ensure that they received them. I provided the information 5 times to this company along with my employer and the insurance broker and Prudential stated that they haven't received it. I would call in to speak with someone. They would take down the information then a day or 2 later the case manager would call and say they haven't received anything from me.
I was eligible for benefits on July 8th. They stated that they had not reached a decision to give them more time. Around the end of July I called in to see what was going on and my claims manager was on vacation!!! Then the next day I received a call from another case manager that stated that I would have an answer in 10 days. 14 days later nothing. So again we called. Prudential stated that my case was very complex due to my several diseases. To give them until the beginning of the following week. Well Wednesday arrived and nothing so the Broker called Prudential. And I received a call within minutes stating they had reached a decision... And it was that I was approved for a period of a week then denied because I was better. No it was stable.
I am unstable that is why I was in the hospital... 1 good day, 3 horrible days, 1 good day, 2 weeks horrible. Stated that I had no proof of edema or neuropathy and that I had no limitations.... And they threw in there that I had no signs of other diseases that I never stated that I had... My claims manager admitted that he NEVER looked at my medical records that the staff MD made the decision. I asked if she had her eyes open when she was reading my file. I gained 40lbs of fluid in a matter of 14 days. If that isn't edema I don't know what is. Documented by the my MD. I went from 225 to 340 in the last 6 months. My endocrinologist states that I am "unable to walk" and I have Severe Diabetic Nerve Disorder. This is the same Doc that they state said I have no limitations...
My limitations are do what you can!!! Because I am unable to do much.... I swell so bad during the day that I have to wear stretch clothing (sweat pants etc.) because I either rip the regular cloths or I am unable to get them off in the afternoon... Diastolic Heart failure is a form of congestive heart failure so I can only walk 75 feet without gasping for breath and speaking of walking I have neuropathy so severely in my feet and legs that I can barely walk.... My heart condition also causes Syncope (fainting) when I move too quickly or stand. And all of this is documented by my physicians. I have very little feeling in my hands making it sometimes impossible to grasp items. And to top all of it off I am on Prescription Narcotics to help with the chronic pain.
All of this and they consider me able to do my prior work of da da da da "selling cars". I am not even supposed to drive!!!! Walk around with people... I would scare them to death. I look like a pregnant alien trying to catch something when I walk... I am not a lazy person.... I loved my job and was considered one of the best!!! I made great money. Why would I choose this... I am in my early 30's, married and now completely unable to do some of the most simple tasks... I can't even bend my legs to put my socks and shoes on... These people care less. They are so unorganized it's sickening. Obviously do not pay attention due to not reading any of the medical records sent to them and not knowing that the information had already been sent.
Insurance is something you purchase "just in case." My just in case is here..... I have attained counsel and I will be taking them to court... Be forewarned!!! This company is AWFUL!!!! I wouldn't actually wish this on anyone but I wish they knew what it was like to be walking along then wham. All of this hit you at one time and unable to work. All of your belongings, car, bank accounts etc. start going away and the nest egg gone because of Dr bills and tests and the backup (disability insurance) DENIES them.... See how they would feel!!! Like I said if you have this insurance they are not reliable and I would strongly recommend looking elsewhere.
I applied for my LTD in October 2012. Prudential was the company my ex-employer used. They waited until my 6-month waiting period was up to deny my claim, after my doctors wrote to them I could not work due to Rheumatoid Arthritis (for almost 12 years) Facet joint disease, pinched nerve, and bulging disc in my back. They even had the nerve to say there was no proof of back problems when twice I sent them the MRI proving I did! I have filed an appeal, which I am sure they will take the most time allowed to deny. I thought I paid for LTD so if I could not work for a long period of time I would be covered, think again! I will fight them all the way. I can't believe when doctors say you can't work, Prudential (who doesn't even know you) can say you can and that is that! A big rip off insurance company that doesn't care about anyone but their $$$ signs.
After paying for Prudential's long-term disability insurance for a number of years through my employer, I received a letter in the mail today informing me that they are canceling my coverage due to "recurrent lower back pain and wrist fracture noted in the medical records obtained during our medical evaluation”. Really? The fractured wrist occurred 18 years ago and I haven't had a bit of trouble with it, and the "recurrent" lower back pain - I went to a doctor who diagnosed arthritis in my back.
She prescribed pain pills which didn't do any good and made me sick to my stomach. I went back and she put me on steroids for 11 days and my pain went away. I am now controlling any discomfort I may have with exercise and an occasional aspirin. I have never filed a claim and am in great health. Prudential is the perfect example of why this country needs socialized medicine.
I went on short term disability in February 2011 due to severe disabling symptoms. I had pre-existing conditions and my physician put me on disability. Prudential was the group insurance company that handled my claim. After two months on STD, they denied my claim after it had been approved. They said my benefits don't cover LTD for pre-existing condition and my condition was subjectively diagnosed. However, my symptoms were different, more severe and not indicative to my pre-existing condition. I was suffering from fevers that reoccurred almost every month and last 8 to 10 days per event. I had swelling that I did not have before. I also experienced severe abdominal pain reoccurring with my fevers. In addition, I had experienced infections throughout my body (sinus, stomach, bronchial, ears, skin sores, and throat). I had lost 50 pounds over the next year and visited the ER twice and urgent care or clinic about a dozen times.
During my strange illness that had gone misdiagnosed, I lost my job and my benefits including my medical insurance. My employer and Prudential did not follow the benefit procedure to allow me 29 days after the insurance claim was denied to return to work so that I could get another doctor notice to continue my STD. I lost my job. Three days after claim was denied, my doctor provided a letter to continue my disability after four days of the denial. But it was too late at that point and my benefits were cancelled. My doctor also had tests and labs ordered that I was not able to get due to no insurance to help pay for it. So finally, after more than a dozen times seeking medical help and suffering for a year and a half, I went to the ER and was then admitted to the hospital for a week. They finally did a blood culture and CT scan and discovered I had a serious life threatening infectious blood disease. My kidney and bladder were infected and I had severe upper abdominal pain that still wasn't figured out what caused it.
The infectious doctor said that my bloodstream was a conduit for the bacterial infection to go anywhere in my body and cause havoc. When I was in appeal process with Prudential, I told them my symptoms were different and I requested them to send me a doctor of their choice before they deny my appeal again and they did not offer me a doctor to see and denied my claim. Since my health declined and I was severely handicapped by the pain and fevers, I lost my job and my income resulting in losing my home. It also took a toll too great for my marriage to sustain and that ended as well. I was hospitalized in August and September 2012 and received strong IV antibiotic and pain medications for a week. I continued my recovery at home and I still had infections until Jan. 2013 that I received antibiotic treatment for as well.
The past two years was horrific but I believe all could have been prevented if Prudential did their due diligence and allowed my STD to continue per my doctor's advice and allow me the time to continue seeking a diagnosis through further testing that was ordered. I didn't have to lose everything and it could have resulted in my life. I didn't have to suffer that long. I now have over $100,000 to pay as a result of the long duration of my illness. I was weak, frail and lost 50 pounds. I feared it was cancer that put me under a lot of stress not knowing why I was so ill for a year and a half. So now that I know and now that I am much better and not inflicted with debilitating symptoms, I would like to recover damages and pain and suffering because I do fault Prudential for dismissing my symptoms, my claim and my plea of appeals when they denied my claim in April 2011 and because I was still too ill to work.
Three days later, I was terminated from my job because I was not able to return to work while being so sick. I'm trying to put my life back together and ready to go to work again. But this is not over until or Prudential will victimize other consumers like me who have paid for a benefit to protect many aspects of their livelihood and well-being.
Our company switched from MetLife to Prudential. I thought this was a good thing due to us getting nothing but aggravation and incompetence from MetLife. I have been on disability now for 8 months. I had a case manager assigned specifically to my account. Everything was going fine until this month (March 2013). What happened was nothing but a disaster. My case manager got pulled away from my account to work on what they call a “huge project”.
My doctor sent notification to extend my disability to April 1st. Well, due to having a new case manager, I was forgotten about. Thirteen days went by without my doctor, or myself, knowing of missing information. Now, my work pay has been deeply affected, and I fear losing my job. It seems that they tend to switch case managers often. When they do, you are at a huge loss. I’m very disappointed and not happy!
My husband was on disability due to heart failure. None of us has ever been on disability before so when the forms came from his employer, we filled them out - Prudential Disability and State - EDD. There was a section on the Prudential form asking if we're receiving money from EDD, so we noted no, since we've never received anything and we’re not sure if we were going to. Two months later, we received money from Prudential, direct deposit, then weeks after that, got money from EDD. Another form came from Prudential for the Long Term Disability since it's been three months since the incident, so we filled that out, and honestly noted the money received from EDD.
Now Prudential is saying they overpaid and wants the money back. My husband got sick in August 2012. So far, Prudential only paid September benefits. The direct deposit was $2,797.71. They want $2,683.42 back. They also sent a W2 for the full direct deposit amount. I called them twice since we got the letter, but no one has returned the call. Also, on the Prudential Disability App that you sign, it states that if you have direct deposit, they have the right to take the overpayment back from our account. It's unfair. Disability is loss of income. I would assume Prudential is a well-established company but why do they make these mistakes?
Also, they sent my husband an award letter for long-term disability prior to us even submitting the application. Where do they come up with these award judgments without information from claimant? Are we just to suck up this issue and have no choice but pay up? Heck, they owe us money too, but insist they will not disburse any more money till they recover the overpayment. I would probably pay if I had the money, but even EDD is behind almost three months in payments. And I strongly believe it's your mistake too. I think Prudential overpays all the time. It's why they have that clause in their application. Is anyone here in the same boat? We're a family of 4 and money has been tough since my husband got sick. Please advise.
I was unable to work from October 1, 2012 until November 5, 2012 due to gallbladder surgery / ulcers, and Prudential made me get statements from 3 different doctors stating my inability to work. I had to drive to 2 of them myself and get the forms filled out. Then they approved it for only 11 days and I was off work 14 days. I still have not received one dime from them, and they say the check is in the mail. I only had my PTO benefits to live on for nearly 6 weeks. I am back at work now, but I still want my money. I pay them for this insurance and I deserve it. They are scamming people out of their money and they know it. I intend to take this to my employer and let them know what a ripoff this company is.
Deceptive Practice Ltd denied with loophole in policy - In March 2009, I became disabled due to IBS, gastritis, hiatal hernia, and esophagitis. I was approved for LTD on September 1st, 2009. By November 2009, I was diagnosed with all above issues, fibromylagia, migraines, and chronic fatigue issues. Every 4 months throughout the next 2 years, I had to submit medical evidence to support my claims. By August of 2009, I had submitted 3 gastroenterologist, 2 rheumatologist, 2 neurologist, and 2 physical therapists' reports all showing and supporting that I had extreme limitations, was bedridden, had systemic symptoms all related to fibromylagia and had positive test results to show I had a positive ANA and positive anti Scl-70 results.
Doctors reported numerous trigger points, muscle spasms and joint pain and fatigue. By August of 2011, I was told my policy only covered 2 years for mental illness (which by the way I was never treated for). I was told my condition was pyscho-symptomatic and would no longer be covered. I was denied 2 appeals. As my condition continued to deteriorate, Prudential refused to take any new medical evidence into account. By January of 2012, I was completely bedridden, housebound, in a wheel chair, running low grade fevers, sores all over mouth and body, polyarticular joint pain and inflammation, and unable to breathe with respiratory illness.
I was told I had been misdiagnosed for the past 4 years and not only had a Fibromylagia component but had severe Rheumatoid Arthritis, Systemic Lupus, Stage 2 COPD with a 49% lung function, IBS with constipation, Migraines, and polyarticular joint pain and inflammation with swollen hand joints. My MCP middle finger joint now has multiple cysts and a torn ligament due to arthritis in my hands.
Prudential refused to look at numerous medical reports all supporting symptoms that are common to Fibromylagia, Lupus, and Rheumatoid Arthritis. Prudential refused to look at any new medical documentation in my 2 appeals that proved this was a physical disability and tried to loophole my condition into their 2-year mental illness policy. First off, fibromylagia is not a mental illness and had they looked at all symptoms and numerous reports, they would see how physically limiting my condition was.
I am now on Social Security Disability and am permanently disabled and will never be able to work again. Prudential should be liable for the people whose lives they affect. They were the ones who told me I had to file for Social Security in the first place. I did not want to go on Social Security disability eventually. I had no choice and Social Security decided I had a physical disability and Prudential cut me off before I got my Social Security. It is wrong for these companies to give their employers bonuses for being able to terminate a policy. Using a doctor that works for them to determine disability and encouraging employees to find reasons that fit their loopholes for canceling policies is deceptive. They also know by the time the appeals are denied, people are either too sick to continue with their cases or are financially unable to fight these cases. They make the process impossible to fight.
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?
Prudential Disability Insurance Company Information
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