Wednesday 20th of February 2019 07:03:41 AM
I never intended to write a review or share my experience; I just wanted to respond to one's story, which is EXACTLY my present situation. I'm so very troubled, I am shaking as I write this, because the denial to extend my coverage is ethically wrong, unjust, and more to the point, demoralizing because of their reason for denying the extension.First, I must be fair and give the whole truth. Before my recent, and totally shocking letter stating their decision to deny my LTD extension, after 2 years, Prudential had been the epitome of compassion, soothing communication, offering reassurance and immediate activation of my LTD claim approval and payments. They knew what had happened to me over a period of 6 months that resulted in doing what no other (and there have been so many) traumatic event in all my 45 years till March 11, 2011. On that day, my eldest son unexpectedly and suddenly passed away. He was 22, struggling with drugs, but it was only time before that extraordinary stubbornness, strength, tenacity, tender-hearted lost boy overcame his weaknesses. But his death cert states possible homicide, investigation pending. His life was taken from him.I had a total and complete mental, physical and nervous breakdown at the end of May 2011 following my baby's death, a lost job, my father's death, a wrongfully charged DUI, which cost me my license, and a sibling, closest in age to me, who I still cannot believe the evil behind his shocking accusation that I stole most of our father's inheritance. He knew I was incapable of even conceiving such a horrible thing. We have not spoken since.It's been two years and 4 months, and though I have come a long way, I am still incapable of functioning on my own, and if it were not for my husband, I would be in a home still. These are the events that led to the manifestation of physical deterioration to incapacitation, major depression, a horrendous relapse of my medically diagnosed CFS, panic-anxiety disorder, C-PTSD, involuntary loss of control over bodily functions...in public, no less. High-blood pressure, sleep apnea, diagnosed the year before (2010), ADHD, insomnia, agoraphobia, tachycardia (always frightened, waiting for the next terror), edema, fibromyalgia, Type II diabetes, migraines, hopelessness, despair. The mind and body are one.Yet Prudential, by denying my claim with the reasoning that the primary disability is mental-health related, and they cannot extend for mental disabilities. All my physical disabilities and limitations due to physiology were dismissed, and I am in shock now, a week later...still. It's cruelty. And it's wrong, unethical, unjust and a direct attack on an already broken, dependent, disabled woman who was getting better, only now to be thrown to the sharks.I AM appealing this, but I am scared, knowing my limitations and already suffering from the stress and frightful impact I have to find the strength to endure for the days ahead, fighting for the right to qualify for financial help (a plan I paid for) that is so evident and apparent and well-documented, that I fight not just for myself, but for all those barbarically dismissed as eligible, because their mental health isn't recognized as being a pathological (of the body) disability that wreaks havoc on the physical processes, and vice-versa.Any advice would be most helpful. I will keep an eye out. In the meantime, I believe The Mental Health Parity Act, passed as law in 1996, may be of help in my defense, and any others with similar circumstances. Thank you for this opportunity - to be acknowledged, understood and the chance to express my experience, amongst so many, that may my story be fruitful and multiply to gain enough awareness to make something good from what has not been good.