CIGNA Disability Claims Denial – CIGNA / LINA Claims Attorney
CIGNA disability claims denial continues to be the subject of many federal lawsuits.
A worldwide provider of insurance, CIGNA Health Insurance Company markets products ranging from medical, dental and life insurance to employer-provided short-term and long-term group disability plans.
Their disability insurance is provided by CIGNA Group Insurance, and is underwritten by affiliated companies including Life Insurance Company of North America (LINA), and CIGNA Life Insurance Company of New York.
If your claim for disability benefits has been denied, delayed or terminated by CIGNA or one of their affiliated companies, it is important to seek immediate legal counsel.
Contact attorneys who can help you. Marc Whitehead & Associates are skilled lawyers who represent CIGNA disability claims denial across the United States. Distance does not limit our ability to help you. We will thoroughly evaluate your case and get you the answers you need.
The appeal process for CIGNA disability claims denial is governed by ERISA.
Almost all employer-provided group disability insurance plans are subject to federal legislation called “ERISA.” CIGNA disability claims fall into this category. Most attorneys are not trained in the complexities of ERISA governed claims. The legal process is quite different from insurance claims that are governed by state insurance law.
In fact, there are many unfortunate downsides of ERISA. One negative aspect is that the law gives the insurance companies immunity from bad faith claims.
Like all insurance companies, CIGNA has financial goals.
Insurance providers are in business to be profitable. ERISA has made it so that there is little incentive for an insurance company to play by the rules. If an insurance provider resorts to unfair practices with the goal of rejecting your claim, there is no punishment. They would only have to pay out what they owed you in the first place.
It has been frequently alleged in litigation that deceptive practices may be used by major players in the insurance industry. This means that without qualified legal advice to guide you, there are serious disadvantages for you, the claimant, and many advantages for the insurance company.
Get help from experienced CIGNA claim attorneys.
Even when claims are denied by the insurance provider, you may have a strong case that can be won on appeal, or through litigation. However, there are strict deadlines to be met to appeal. To clarify all of these issues, we offer free individual consultations.
For over 18 years, the law firm of Marc Whitehead & Associates has focused its practice on federal ERISA law. The knowledge and background of your attorney can mean the difference between winning and losing a case.
If you have questions, please ask our lawyers about your CIGNA disability claims denial without delay. In most cases, we work on a contingency fee basis. This means that if you hire us as your attorneys, no retainer is required and there are no fees until we win.