Business Analyst Wins Prudential LTD Benefits Denial Appeal

Senior Business Analyst’s Secures Rightful Long-Term Disability Benefits After Prudential Denial

For years, our client thrived as a Senior Business Analyst for a global insurance and investment organization. Highly skilled and dedicated, she built a successful career in a demanding profession that required high-level cognitive function, strategic thinking, and analytical precision. However, despite her resilience, she faced significant medical challenges that ultimately forced her to step away from a career she once loved.

Our client has suffered from multiple congenital deformities, leading to a host of debilitating physical and cognitive impairments. Among her many conditions were focal epilepsy/seizure disorder due to cortical malformation of development, polymicrogyria brain abnormalities, spina bifida, a dislocated hip, severe bilateral clubfoot deformity, demyelinating large fiber peripheral neuropathy, chronic pain, multilevel cervical spondylosis, cervical radiculopathy, carpal tunnel syndrome, PTSD, major depressive disorder, and anxiety disorder. Despite her courageous efforts to continue working, her conditions progressively worsened, making it impossible for her to maintain the rigorous demands of her occupation.

Prudential’s Wrongful Long-Term Disability Benefits Denial

When our client applied for her rightful long-term disability benefits, Prudential denied her claim in bad faith, disregarding clear and compelling medical evidence. Their denial was based on flawed and biased decision-making, including:

1. Conducting paper only reviews through their in-house medical staff and paid consultants who never met, treat or examined our client.
2. Relying on MES, a third-party vendor notorious for biased reviews favoring insurance companies.
3. Selectively cherry-picking medical records while ignoring substantial supporting evidence.
4. Failing to perform a proper vocational analysis, despite our client’s well-documented impairments.
5. Ignoring her medically supported subjective reports of impairment.
6. Dismissing the opinions of treating physicians who had firsthand knowledge of her multiple conditions and difficulties.
7. Neglecting to have our client examined by an independent, neutral physician, despite the stark conflict between her treating physicians and Prudential’s hired consultants.
8. Overlooking the physical and cognitive requirements of her profession, falsely asserting that she could return to work.
9. Disregarding objective medical evidence that fully supported her disability.
10. Cherry-picking information to support a predetermined denial.
11. Violating ERISA regulations by failing to provide our client with a full and fair review of her claim.

The Law Office of Justin Frankel Appealed Prudential’s Denial

Recognizing the egregious errors in Prudential’s review, our team immediately took action. We worked closely with our client’s treating physicians, obtaining detailed medical opinions and additional objective evidence to dismantle Prudential’s flawed reasoning. Our appeal systematically exposed:

• The incompetence and bias of Prudential’s review process.
• The insurer’s failure to adhere to ERISA’s “full and fair review” requirements.
• The overwhelming medical and vocational evidence proving our client’s disability and overall inability to continue working.

Our appeal left no room for doubt: Our client’s conditions rendered her completely disabled from performing her own occupation. Confronted with indisputable facts, Prudential had no choice but to reverse its decision and approve her long-term disability claim.

Thanks to our relentless advocacy and the unwavering support of her medical providers, our client finally received the long-term disability benefits she rightfully deserved.

If you or a loved one has been unfairly denied LTD benefits, know that you don’t have to fight alone—we are here to hold insurers accountable and secure the benefits you deserve. Contact us today to secure your rightful LTD benefits.