Senior Enterprise Analyst’s Secures Rightful Lengthy-Time period Incapacity Advantages After Prudential Denial
For years, our consumer thrived as a Senior Enterprise Analyst for a world insurance coverage and funding group. Extremely expert and devoted, she constructed a profitable profession in a demanding occupation that required high-level cognitive perform, strategic pondering, and analytical precision. Nevertheless, regardless of her resilience, she confronted vital medical challenges that finally pressured her to step away from a profession she as soon as cherished.
Our consumer has suffered from a number of congenital deformities, resulting in a bunch of debilitating bodily and cognitive impairments. Amongst her many situations had been focal epilepsy/seizure dysfunction as a consequence of cortical malformation of growth, polymicrogyria mind abnormalities, spina bifida, a dislocated hip, extreme bilateral clubfoot deformity, demyelinating giant fiber peripheral neuropathy, continual ache, multilevel cervical spondylosis, cervical radiculopathy, carpal tunnel syndrome, PTSD, main depressive dysfunction, and nervousness dysfunction. Regardless of her brave efforts to proceed working, her situations progressively worsened, making it unimaginable for her to take care of the rigorous calls for of her occupation.
Prudential’s Wrongful Lengthy-Time period Incapacity Advantages Denial
When our consumer utilized for her rightful long-term incapacity advantages, Prudential denied her declare in unhealthy religion, disregarding clear and compelling medical proof. Their denial was based mostly on flawed and biased decision-making, together with:
- Conducting paper solely critiques via their in-house medical workers and paid consultants who by no means met, deal with or examined our consumer.
- Counting on MES, a third-party vendor infamous for biased critiques favoring insurance coverage corporations.
- Selectively cherry-picking medical information whereas ignoring substantial supporting proof.
- Failing to carry out a correct vocational evaluation, regardless of our consumer’s well-documented impairments.
- Ignoring her medically supported subjective reviews of impairment.
- Dismissing the opinions of treating physicians who had firsthand information of her a number of situations and difficulties.
- Neglecting to have our consumer examined by an unbiased, impartial doctor, regardless of the stark battle between her treating physicians and Prudential’s employed consultants.
- Overlooking the bodily and cognitive necessities of her occupation, falsely asserting that she may return to work.
- Disregarding goal medical proof that absolutely supported her incapacity.
- Cherry-picking info to assist a predetermined denial.
- Violating ERISA regulations by failing to offer our consumer with a full and truthful assessment of her declare.
The Legislation Workplace of Justin Frankel Appealed Prudential’s Denial
Recognizing the egregious errors in Prudential’s assessment, our group instantly took motion. We labored intently with our consumer’s treating physicians, acquiring detailed medical opinions and extra goal proof to dismantle Prudential’s flawed reasoning. Our attraction systematically uncovered:
- The incompetence and bias of Prudential’s assessment course of.
- The insurer’s failure to stick to ERISA’s “full and truthful assessment” necessities.
- The overwhelming medical and vocational proof proving our consumer’s incapacity and general lack of ability to proceed working.
Our attraction left no room for doubt: Our consumer’s situations rendered her fully disabled from performing her personal occupation. Confronted with indeniable info, Prudential had no selection however to reverse its resolution and approve her long-term incapacity declare.
Due to our relentless advocacy and the unwavering assist of her medical suppliers, our consumer lastly obtained the long-term incapacity advantages she rightfully deserved.
If you happen to or a cherished one has been unfairly denied LTD benefits, know that you simply don’t need to struggle alone—we’re right here to carry insurers accountable and safe the advantages you deserve. Contact us today to safe your rightful LTD advantages.
