Category: Uncategorized

Lincoln Financial long-term disability policies may evaluate disability under two different standards: “own occupation” and “any occupation.” Under an own-occupation provision, a policyholder may qualify for benefits when an illness or injury prevents them from performing the material duties of their regular occupation. Under an any-occupation provision, the insurer may require evidence that the policyholder […]

If Prudential has denied or terminated your long-term disability benefits and you are considering a lawsuit, one of your first questions may be: How long will a lawsuit against Prudential take to resolve? A federal ERISA lawsuit against Prudential may take approximately 12 to 24 months to reach a final decision, although some cases resolve […]

If Prudential denies or terminates your long-term disability benefits and your claim ultimately reaches federal court, one of the most important legal questions may be something most policyholders have never heard of: What standard of review will the court use to evaluate Prudential’s decision? The “standard of review” determines how much deference, if any, a […]

If Prudential has denied or terminated your long-term disability benefits, you may be surprised to learn that a lawsuit challenging the decision could end up in federal court rather than your local state court. The reason usually has less to do with Prudential itself and more to do with the type of disability insurance policy […]

If Prudential has denied or terminated your disability benefits, you may be ready to take the insurance company to court. However, receiving an initial denial does not always mean you can immediately file a lawsuit. If your Prudential disability coverage is governed by the Employee Retirement Income Security Act of 1974 (ERISA), you generally must […]

If Prudential denied or terminated your long-term disability benefits, one of the most important terms you may encounter during the appeal process is the “administrative record.” It may sound like legal jargon, but for many employer-sponsored disability claims, the administrative record can become the foundation of the entire case. For claims governed by the Employee […]

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, […]

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 are self-employed and applying for, receiving, or appealing Prudential disability benefits, you may be surprised when the insurance company asks for your “business financials.” After all, your disability claim is about your medical condition, your inability to work, and the income protection you paid for—not an audit of your business. However, for self-employed […]

Receiving a denial letter from Prudential can be devastating. After paying premiums and relying on your disability insurance coverage for financial protection, learning that your claim has been denied can leave you wondering what comes next. Fortunately, a denial does not necessarily mean the end of your claim. Many disability insurance denials are successfully overturned […]