Call or text (800) 562-9830 or complete a Free Case Evaluation form
Why Hire a Cigna Long Term Disability Lawyer?
Hiring a lawyer to help with your Cigna disability claim denial can improve your chances of successfully resolving the situation and getting the disability benefits you paid for. Our team knows how to stand up to companies like Cigna, and we believe in leveling the playing field for our clients. ERISA has created an environment where there is little incentive for insurance companies to adhere to the rules. If an insurance provider resorts to unfair practices to reject 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 major players in the insurance industry use deceptive practices. Without qualified legal advice to guide you, there are serious disadvantages for you, the claimant, and many advantages for the insurance company.For a free legal consultationwith a denied cigna disability claim lawyer serving Nationwide, call (800) 562-9830
Cigna Claim Denial Tactics
Cigna denies most claims, but you have the right to appeal. We can carefully review your denial letter to determine the precise reason for the denial. Once we understand this, we can take steps to prepare an appeal. That is where an experienced Long Term Disability lawyer comes in. Common reasons for Cigna denying your Long Term Disability claim include:Documentation Issues
LTD claims require a great deal of paperwork and documentation. When necessary documents or forms are not submitted, the claim is denied.Failure to Disclose a Pre-Existing Condition
A favorite insurance company ploy is denying benefits due to a pre-existing condition. That is especially true of Cigna, whose policies include strong language regarding exclusions of pre-existing conditions.Inadequate or Insufficient Medical Examinations
Cigna requires complete records regarding visits to a healthcare provider or following a course of treatment. Ensure your medical records are current and follow your doctor’s instructions rigorously. Get a formal statement from your doctor describing your condition in detail.Not Meeting the Definition of a Disability
Cigna’s LTD policies specifically define disability. The company may deny your claim if it determines your issue does not meet its definition.Missing Deadlines
Submitting all paperwork by the relevant deadline is imperative. Missed deadlines are frequently cited as reasons to deny claims.Their Medical Examiner Disagrees With Your Doctor
Cigna may hire its own physicians to review your records under the guise of an “independent medical review.” Their doctor inevitably disagrees with your doctor’s diagnosis.Nationwide Denied Cigna Disability Claim Lawyer Near Me (800) 562-9830
How to File a Cigna Disability Appeal
The first step in the Cigna disability appeal process is receiving your letter of denial. After you get your letter, you need to allow a Cigna disability attorney to review the reason for the denial. Your attorney can then develop a plan to handle the appeal to secure disability benefits. Your lawyer will need to:Prepare Your Appeal
It takes time to prepare a Cigna disability claim appeal. Your attorney will need to gather documents and any evidence that could back up your appeal, including medical documentation. Medical evidence could include everything from the results of laboratory tests to information from MRIs and X-rays. Your lawyer may review all your medical records while preparing your Cigna disability insurance appeal.Submit Your Appeal
Once your lawyer has the evidence prepared, they’ll submit your Cigna Long Term Disability insurance appeal. Cigna will review the information provided by your appeal. Working with a lawyer can improve your chances of the company overturning an initial claim denial so you can get the disability benefits you deserve. If the company denies your appeal, a lawyer could help with a suit filed against Cigna for a Long Term Disability denial.Why Choose Our Cigna Long Term Disability Claim Lawyers?
Our team at Marc Whitehead & Associates knows how to handle Cigna disability claim denials. For decades, we’ve focused on federal ERISA law. The knowledge and background of your attorney can mean the difference between winning and losing a case. We believe in open communication, and we’re ready to stand up for you when dealing with bad-faith insurance practices. Our legal team understands what you’re going through, and we want to help. We only handle disability claims, so you can rely on our experience and training to provide the personalized assistance you deserve. We even offer a Cigna eBook that can give you more information about your legal options.Cigna Long Term Disability Denial FAQs
A Cigna Long Term Disability attorney can provide answers to any questions you have about a Cigna denial and appeal. For example, we’re here to help with questions like:What Information Will Come in a Denial Letter?
Your denial letter will include critical information, including:- The reason Cigna denied the claim
- The evidence they used to reach a decision
- The employee who directly examined and evaluated the evidence
- The date by which you must file an appeal and where to submit the appeal