We are pleased to share that Frank N. Darras has been recognized by his peers in the 2027 edition of The Best Lawyers in America® for his work in Health Care Law & Insurance Law. He has earned national recognition through his exemplary legal work on behalf of the sick and the elderly. While many […]

When Prudential denies or terminates a long-term disability claim, the disagreement is not always about whether you have a medical condition. In many cases, Prudential accepts the diagnosis but argues that you remain capable of working. That is where vocational evidence becomes important. Prudential may rely on a vocational assessment, transferable skills analysis, labor-market information, […]

Yes. In many Prudential disability appeals, you can—and often should—submit new medical evidence before the appeal is decided. If Prudential denied or terminated your long-term disability benefits because it believes your medical records do not sufficiently prove that you cannot work, the appeal is your opportunity to address those weaknesses directly. That may mean obtaining […]

If Prudential denied or terminated your disability benefits, you may have 180 days from the date you received the denial notice to submit an administrative appeal. That is the deadline commonly applied to disability coverage provided through an employer and governed by the Employee Retirement Income Security Act of 1974, better known as ERISA. Do […]

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When you appeal a Prudential long-term disability denial, your medical evidence may be reviewed by a doctor who works with Prudential or by an outside physician hired to provide an independent file review. That doctor is not your treating physician and may never examine you in person. Prudential may use in-house clinical personnel, third-party medical […]

Receiving a Prudential disability denial does not necessarily mean your claim is over. Most claimants have the right to challenge the decision through an internal administrative appeal. Whether you receive another opportunity after that appeal depends on your disability plan, the language in Prudential’s denial letter, and whether the claim is governed by the Employee […]

When Prudential says your disability claim lacks “sufficient clinical evidence,” it usually is not saying that you have no medical condition. It is saying the records do not prove—at least in Prudential’s view—that your symptoms keep you from performing the duties required by your disability policy. That distinction matters. A diagnosis alone rarely wins a […]

If you just opened a Prudential denial letter, the most important thing to do first is simple: do not rush to send an appeal on your own. Instead, stop, preserve the envelope and denial letter, calendar every deadline, and contact an experienced long-term disability attorney before submitting anything else to Prudential. That first step matters […]