What Do I Do If Prudential Denies My Disability Insurance Claim?

If Prudential Financial denied your insurance claim, you have an ally to help you fight back. Call Donahue & Horrow. We’re a Los Angeles-based law firm that has successfully secured millions of dollars for our clients in denied disability claims.

Have no doubt. We know how to put pressure on insurance giants like Prudential Financial to force the company to pay you the money/benefits you are entitled to. 

Our goal is simple: to make sure you are treated with dignity and respect while securing the insurance benefits that you legally deserve. 

Call us today if you think that you’ve been treated unfairly or unethically by Prudential Financial: (877) 664-5407.


About Prudential Financial, Inc. – The Largest Insurance Company In The U.S.

Prudential Financial, Inc. is a global financial powerhouse. It is the largest insurance company in the United States with $1.7 trillion under management. In 2019, it was ranked number 50 on the Fortune 500 list. According to the company’s 2019 annual financial report, Prudential Financial generated nearly $65 billion in revenue, with net income of $4.1 billion.

But, do a bit of research and you’ll find that Prudential also has a dubious history of failing to honor its commitment to pay disability, life insurance, and military insurance claims to its policyholders.

If you have been denied the insurance benefits you deserve by Prudential Financial, contact Donahue & Horrow. Whether you have an individual disability claim, group short-term disability claim, group long-term disability claim, health insurance claim, life insurance claim, AD&D claim or long-term care insurance claim. We are available to help you with your case and to discuss any questions you may have about your insurance policy or denied insurance claim. 

Donahue & Horrow is based in Los Angeles, but routinely handles cases throughout California. Call us at 877-664-5407. We can even meet with you face-to-face at your location to discuss your insurance claim, if necessary.


Prudential Tactics In Denial of Disability Insurance Claims

Prudential’s tactics to deny or delay disability and other insurance benefits follow a familiar insurance industry playbook:

  • Pay outs that are less than what the policyholders were entitled.
  • Insufficient review of disability claims appeals.
  • Using biased physicians to support bogus claim denials.
  • Ignoring the opinions of your primary care physician and specialists who support your claim.
  • Military beneficiaries who were arbitrarily paid while others were not.


Prudential and other insurance companies often try to “wear down” policyholders like you in the hope that you will give up rather than fight for your benefits. If Prudential has tried one or more of these tactics on you, they may be trying to fraudulently deny your insurance claim:

  • Repeatedly making burdensome requests for more and more documentation, which often duplicates documentation you already submitted;
  • Downplaying medical evidence – including objective and subjective data – which supports the disability or entitlement to insurance benefits;
  • Denying your claim because it is only supported by “subjective” evidence, even if the policy does not require “objective” evidence;
  • Resorting to requesting so-called “independent” medical reviews by unqualified physicians or individuals;
  • Lengthy delays in making a decision on a disability insurance claim.


Real Examples of Prudential Financial Denying Claims

In a particularly unfortunate case, Prudential denied disability benefits to a policyholder who had a significant brain injury. Sixteen medical professionals, which included 14 doctors, testified that the injured man was incapable of returning to full time work because of his injury.

Prudential had a different view and denied the claim. It based its decision on the opinion of three physicians hired and paid by Prudential. Consequently, the policyholder filed a lawsuit against the company. The court ruled that Prudential was guilty of an “abuse of discretion” denying the claim in spite of clear evidence of his disability.

The company has also faced stiff financial penalties for unethical practices. In a 1997 court decision, the company was ordered to pay at least $410 million in a class action suit pertaining to spurious sales practices.

In 2018, Prudential Financial agreed to a $9 million settlement in a class action lawsuit involving more than 6,000 policyholders brought under the Employee Retirement Income Security Act (ERISA).


There Are Deadlines. Do Not Delay!

So, if you’re dealing with a denied insurance claim from Prudential, we urge you to take action. Do not delay! All insurance claims have deadlines that must be met if you are to have any hope of collecting the insurance benefits you are owed. This is especially true if your claim is governed by ERISA. Call us today at (877) 664-5407. Our legal team will treat you with the dignity you deserve, while fighting relentlessly to secure the insurance benefits you are owed. 

If you have questions call us. Insurance policies are written by lawyers, so sometimes it takes a law firm to interpret the terms of the policy. We will assist you in deciphering your Prudential insurance policy, whether it be a long-term disability insurance policy, short-term disability insurance policy, health insurance policy, life insurance policy, accidental death and dismemberment policy or a long-term care insurance policy. Call today for a free consultation: (877) 664-5407.