How a Cigna Disability Claim Attorney Can Help
Have you been paying into a Cigna disability insurance plan only to have the company reject your claim when you become unable to work due to an illness or injury?
Marc Whitehead is a nationally recognized Cigna disability attorney who is dedicated to protecting the rights of sick and injured workers who have had their disability claims unfairly denied by the insurance giant. The law offices of Marc Whitehead & Associates have helped hundreds of clients obtain the benefits they deserve from big insurance companies like Cigna.
Unfair claim practices have been going on in the insurance industry for a long time and Cigna has been cited on several occasions. Cigna is a company that is in business to make money. Thus, they have a tendency to choose profit over people. Denying a claim, even if the policyholder was legally entitled to those benefits, makes good business sense, right?
Cigna Has to Play by ERISA’s Rules
Most employer-provided group disability insurance plans are regulated by federal legislation under the Employee Retirement Income Security Act of 1974, or “ERISA”. Your Cigna plan is regulated by ERISA.
ERISA requires insurers to provide participants with important information about their plan’s features and funding. It spells out the fiduciary responsibilities for those who manage and control plan assets. ERISA requires plans to include a grievance and appeals process for participants to get benefits from their plans and gives participants the right to sue for benefits and breaches of fiduciary duty.
You Have a Right to Appeal Cigna’s Decision to Deny Payment
Once you have received Cigna’s letter denying your claim, it’s critical that you consult with an experienced ERISA claim attorney without delay. ERISA only provides a 180 day window in which to file your appeal and it may take several weeks to prepare an appropriate response to Cigna’s denial of your claim. This appeal will represent your last chance to enter new evidence into the record. When that 180-day is over, your opportunity to file an appeal is over too.
If your claim is not approved after the appeals process has been exhausted, the next step is to file a lawsuit in Federal Court against Cigna.
Talk to a Cigna Disability Attorney
Marc Whitehead & Associates have successfully represented hundreds of Cigna policyholders in their fight to obtain critical disability benefits. We possess the resources and knowledge to correctly prepare your appeal within ERISA’s limited timeframe. Over the years our disability claim appeals attorneys have developed many effective strategies that are highly successful when it comes to taking on a major insurance company like Cigna and winning.
Contact Marc Whitehead & Associates to schedule a free consultation to learn how we can help with your claim.