Prudential denied my husband's $250,000 accidental death (AD&D) claim after a fatal single-car crash, citing the "caused or contributed to by physical illness" exclusion because the autopsy noted coronary artery disease he never knew he had. Forced full payment ($250,000 plus interest) using the accidental-cause causation framework: a forensic pathology rebuttal, clean toxicology, accident reconstruction, the policy's own exclusion language, and a fully loaded ERISA appeal. the complete 9-month playbook.
writing this for the person who is going to get the same letter i got and needs to know it is not the end of the claim, it is the beginning of it. my husband died in a car accident last october....