Prudential Long-Term Care Insurance Claim Denials
Long-term care insurance is meant to provide peace of mind—coverage for costly care when you can no longer manage daily activities on your own. If you’ve filed a claim with Prudential and received a denial, you’re not alone. Denials are common, often based on vague policy terms or procedural traps. At Dawson & Rosenthal, P.C., we help policyholders challenge improper LTC claim denials and fight for the benefits they paid for. Call our long-term care insurance attorney today to get started.
Why Prudential May Deny Your Long-Term Care Claim
When you first purchased your policy, it likely included dense language about exclusions and requirements. Prudential may point to these details to justify a denial—even when you’ve clearly met the criteria. Common reasons include:
- Alleged nonpayment of premiums, even in cases where payments were made on time
- Excluded conditions, such as mental health disorders or certain chronic illnesses
- Application misstatements, claiming you omitted or misstated health history
- Lack of sufficient evidence showing you need assistance with Activities of Daily Living (ADLs)
- Disputes over benefit triggers, such as whether your condition qualifies under the policy definition of “chronically ill”
If your condition clearly meets the terms of your Prudential policy, but your claim has been denied, it may be time to take legal action. Don’t assume the denial is valid.
How a Prudential LTC Insurance Attorney Can Help
Many Prudential denials are based on technicalities, delays, or questionable interpretations of policy language. Our attorneys will investigate whether the insurer engaged in tactics that may violate your rights under the law, including:
- Failing to respond to your claim within the required time
- Misrepresenting or distorting policy language to favor denial
- Unreasonable delays in processing or approving your claim
- Denying a claim without explanation or issuing vague denial letters
- Making false accusations, such as claiming you lapsed your policy
- Discouraging legal counsel, suggesting you don’t need an attorney
Our goal is to build a clear, evidence-backed case that forces Prudential to honor their contractual obligations.
Do Not Appeal Without Legal Review
If you’ve been denied benefits, do not rush into an appeal without legal guidance. The appeals process can limit what evidence you’re allowed to introduce later if litigation becomes necessary. Let us review your policy, your denial letter, and your medical documentation first.
Get Legal Help Now
You’ve paid into your long-term care policy for years. You deserve the coverage you were promised. Dawson & Rosenthal, P.C. has extensive experience handling long-term care insurance disputes, including those involving Prudential. Contact us today for a free consultation and let us help you push back against a wrongful denial.