Defrauded my father out of his LT Care Insurance. He had paid into it for 25 years, "just in case anything happened". When he developed Dementia, I provided in home caregiving for 4 years, Prudential provided nothing. When his doctors said it's time for him to move into Assisted Living/Memory Care, we called them up. They made me wait on the claim, of course, while I began paying out of pocket to get my father set up in a place he never ever wanted to be. He purchased this insurance, though, knowing that any serious medical issue was a possibility and that the expense could crush his family. Especially later in life, when it came to this type of thing. They dropped him and denied any assistance, after 25 years of letting them take money from him. Why? They stated he had a "pre-existing condition". Guess what that coverage denying pre-existing condition was? Depression. DEPRESSION.With the help of a lawyer, we were able to get the forms he used to apply decades ago. There were *zero* Mental Health questions on his application, however, my father was meticulous with records in general. We know definitively that Depression was listed on his medical records everywhere, from the VA Post-Vietman war to his newer providers, he had been being treated since the war and he never kept it a secret from anyone. He was also a stickler for the rules, even things they "didn't care" about during the application process, he informed them of. He absolutely informed them of every medical condition he had when he applied, from his pituitary tumor (that is okay), to HPB (that was okay), to PTSD (that was okay), to Depression (was never asked about it, was told they never cared about it when he applied, told you about it anyway and gave Prudential all the documentation, but suddenly it's a PROBLEM).If you've ever dealt with insurance or worked for a company, you know that full medical records must be sent over when purchasing such a policy. They knew he had Depression. His Depression (and PTSD, which apparently is not the same in their eyes, at least it wasn't the same when it came to this single claim...) were well-documented and had been in his records since he served in the Vietnam War. When pressed by our lawyer, Prudential did supply the forms that my father had applied with, but conveniently "lost" his medical records. Somehow, that was our fault. Somehow, my father's lifelong and never hidden and never lied about struggle with depression ended up making us nearly lose our family home. He was frugal his entire life to make sure that his family was provided for when he was gone, Prudential ensured that not only did they suckle away his earnings for over 25 years but also that his retirement fund was eaten alive and that we nearly lost the family home. Our lawyer ended up not charging us for the many many hours he spent fighting Prudential with us, because the situation was "so common" and "these companies are just that vicious" and because they flaunt and shrug the law and consumer protections every minute - they're pros at screwing you over. Do NOT fall for this scam. That is what Prudential is.A scam. They will ruin you. You think you are protecting yourself and your family but you are just throwing money at them so they can laugh you into bankruptcy later down the road. DO NOT GET SCAMMED!
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