Worst insurance company to get help from. I applied for benefits thru my employer and got 2 payments back in December and January,but my doctor's office was late with setting me up with a current appointment that was past the deadline and was dropped as a patient because they had not heard back from my lawyers office by a certain time, I was finally able to get an appt,but didn't meet the deadline,I explained to my representative what the issue was and I was still declined. I have a torn up knee that requires surgery and was hoping to get some payments since I could no longer work at full capacity, but dealing with Prudential has been an absolute joke,keep paying us the money,but when you need help,to hell with you. Thanks for nothing Prudential. Just want to add something else,now I see how insurance companies work and why they all have bad reviews.