Prudential Life is an insurance company that sells a large number of group Long-Term Disability (LTD) insurance policies—and has only been selling group LTD insurance policies for a long time.
In the last year, Prudential has really stepped up its claims scrutiny and has been denying and terminating LTD claims in far greater numbers than they have in the past. Because they only sell group disability insurance, the vast majority of policies they sell are governed by the Employment Retirement Income Security Act of 1974 or ERISA. I have previously blogged about ERISA and the difficulties that ERISA creates for claimants who have denied or terminated LTD claims.
In a recent evaluation of denied and terminated claims, Prudential has placed great emphasis on video surveillance to deny those claims. We advise and warn our clients to be aware that companies who are either paying or considering paying LTD claims will frequently surveil their insureds to try to take advantage of pieces and portions of that surveillance in an effort to deny or terminate those LTD claims. In addition, Prudential hires medical professionals, both as employees and outside medical professionals, to evaluate LTD claims in a manner geared towards denying or terminating them.
If you have an LTD claim with Prudential and believe they have treated you unfairly, are harassing you, are taking steps aimed at denying or terminating your LTD claim, or your claim has already been terminated or denied, contact my office to discuss your options.
Evan S. Schwartz
Founder of Schwartz, Conroy & Hack