Nicole Joy is a VILE human being who may God deal with her corrupt soul. Her and her team waste the time of sick, disabled people and make these vulnerable people more sick until they deny your claim with ridiculous requests pestering the patient and the doctor. Why they have Nicole Joy with a business degree assessing those with disabilities and no one on her team with an actual medical degree and just a nurse is not just morally corrupt, but strains the lives of those who are sick and trying to get better. There was nothing Joyful aout Nicole "Joy" and Prudential needs to hire an actual physician to access patient disabilities if they are going to have someone with a business, nursing, or any other degree besides a medical degree make determinations that are mountainously above their qualifications. Absolutlely despicable system.