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Long Term Disability Insurance
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This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.
Important Message Regarding New York Disability Insurance Claims Denied Under A Pre-Existing Condition Provision
Based on a recent New York Court of Appeals decision in Benesowitz vs. Metropolitan Life Insurance Company, 8 NY3d 661 (2007), the meaning of Section 3234 of the New York Insurance Law, which addresses pre-existing condition provisions in group and blanket disability policies, was clarified. The New York Insurance Department has confirmed the clarification that Section 3234 provides for a waiting period, rather than a bar, for coverage of disabilities due to a pre-existing condition that began within 12 months of an insured’s coverage effective date.
As a result of the Benesowitz decision, Prudential is automatically re-examining all disability claims denied based upon pre-existing conditions within the three-year period prior to June 27, 2007. This means certain insured individuals are now eligible to have their previously denied disability claims re-evaluated.
Prudential will be reaching out to all parties affected by the Benesowitz decision regarding reevaluation of denied disability claims. If you would like to contact Prudential directly to request a re-examination of a group disability claim that was previously denied based upon a pre-existing condition, please call 877-458-6412.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
Important Message Regarding New York Disability Insurance Claims Denied Under A Pre-Existing Condition Provision
Based on a recent New York Court of Appeals decision in Benesowitz vs. Metropolitan Life Insurance Company, 8 NY3d 661 (2007), the meaning of Section 3234 of the New York Insurance Law, which addresses pre-existing condition provisions in group and blanket disability policies, was clarified. The New York Insurance Department has confirmed the clarification that Section 3234 provides for a waiting period, rather than a bar, for coverage of disabilities due to a pre-existing condition that began within 12 months of an insured’s coverage effective date.
As a result of the Benesowitz decision, Prudential is automatically re-examining all disability claims denied based upon pre-existing conditions within the three-year period prior to June 27, 2007. This means certain insured individuals are now eligible to have their previously denied disability claims re-evaluated.
Prudential will be reaching out to all parties affected by the Benesowitz decision regarding reevaluation of denied disability claims. If you would like to contact Prudential directly to request a re-examination of a group disability claim that was previously denied based upon a pre-existing condition, please call 877-458-6412.
North Carolina Residents: THIS IS NOT A MEDICARE SUPPLEMENT PLAN. If you are eligible for Medicare, review the Guide to Health Insurance for People with Medicare, which is available from the company.
Group coverages are issued by The Prudential Insurance Company of America, a New Jersey Company, 751 Broad Street, Newark, NJ 07102. The Booklet-Certificate contains all details, including any policy exclusions, limitations and restrictions which may apply. Contract Series: 83500, 89759 or 96945.
California COA #1179 NAIC Code #68241
California COA #1179 NAIC Code #68241
| 103033-0407-web | |
| IFS-A111766 | Ed. 1/2008 |
All rights reserved. The Prudential Insurance Company of America is a Prudential Financial company.
Prudential is authorized to transact business in all U.S. states and the District of Columbia. Product availability varies by state.
PRUDENTIAL FINANCIAL, PRUDENTIAL, PRU, the Rock Logo and Growing and Protecting Your Wealth are registered service marks of The Prudential Insurance Company of America.
© 2008 Prudential Financial, Inc., Newark, NJ, USA. All rights reserved.
© 2008 Prudential Financial, Inc., Newark, NJ, USA. All rights reserved.