Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands


Monday, June 14th, 2010

A cancer survivor, suffering from also lupus, Hashimoto’s Disease (a thyroid disorder) and obesity, contacted the disability insurance law firm Frankel & Newfield after Prudential denied her long term disability benefits. Our client was a Vice President with a worldwide financial services company, but even her high level executive skills were no match for the wall of denial constructed by Prudential.

Frankel & Newfield submitted a vigorous appeal that attacked Prudential on several fronts. Prudential hired MCMC to conduct the medical review. MCMC is one of Prudential’s frequently used vendors, well known among the disability community for giving insurance companies what they pay so generously for – medical reviews that support the insurance company’s policy of claim denial.

According to its own website, MCMC’s objective is “to evaluate claims, review cases……that allow our clients to achieve positive outcomes through cost effective solutions.” With the peer review services in particular, MCMC’s stated goal is to provide assistance in “resolving disability claims questions in an effort to manage risk, control claim costs and increase productivity.”

In other words, the insurance companies are their target market and the goal is to limit the insurance company’s costs. This corporate mission is in complete opposition to the idea of the Independent Medical Review. MCMC’s success in the insurance industry is arguably the result of its ability to provide medical reports that can be utilized to deny or terminate claims, thereby reducing the costs of managing disability benefits.

We also attacked Prudential’s failure to provide the complete medical records for review. We see this happen many times: only a part of the medical records are provided to for review, and as a result, the medical professional does not get a total picture of the person’s true disability. The law requires that a set of complete medical records be reviewed by a qualified medical professional.

The next prong of our attack concerned Prudential’s’ failure to provide an accurate job description, making it impossible to evaluate the material tasks and duties of her job. The duties of a high level executive are not the same as a mid-level manager or a clerk. To perform at this high a level in a global firm requires high level analytical abilities and physical stamina. Not only did Prudential use an outdated Dictionary of Occupational Titles, but they used a generic classification of our client as a Manager with light duty tasks.

After we submitted the appeal, Prudential decided that it needed a proper Independent Medical Exam (IME), which was conducted. Benefits were approved, and our client is now on claim.

If your disability claim has been denied and you are not able to work, it’s a safe bet that the claim has not been evaluated properly and the insurance company is counting on your not fighting back. Call our office today and learn how we can help.

Justin C Frankel

Written By:

Justin C. Frankel - Disability Insurance Attorney

Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.

Learn more about Justin | See Justin’s Publications



Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook


Secrets the Disability Insurance Companies Don't Want You to know!

Sign Up for our mailing list to receive disability insurance law updates

Your information is 100% secure and will never be shared with anyone


No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

Contact Us
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming