• Applying for Cigna Disability Benefits? Top 5 Reasons for Claim DenialApplying for Cigna Disability Benefits? Top 5 Reasons for Claim Denial

Top 5 Reasons for Claim Denial When Applying for Cigna Disability Benefits

Whether you’re anxiously awaiting a decision on your claim for Cigna or NY Life long term disability insurance benefits or have already received a disappointing notice that your disability insurance claim was denied, you may be wondering about your next steps. Cigna sends out hundreds of thousands of disability insurance claim denial letters each year, and many of these denials tend to fall into just a few categories. Learn more about the top five reasons claims for Cigna long term disability insurance benefits tend to be denied, as well as what claimants can do to fight back.

Tips for Applying for NY Life / Cigna Disability Benefits

New York Life recently acquired the long term disability division of Cigna; however, because New York Life didn’t already have an established long term disability section, Cigna is likely going to continue to administer these claims, as they have been, on behalf of both companies.

Always Be Aware of Pre-Existing Condition Provisions to Prevent Claim Denial

Though short term disability insurance policies don’t generally have pre-existing condition provisions, long-term disability insurance policies do. If your disability stems from an issue you’ve sought medical attention for before you began claiming disability insurance benefits, you may find it challenging to prove that this condition wasn’t pre-existing and you’re therefore entitled to benefits under the disability insurance policy. Read your disability insurance policy carefully (or, better yet, consult a disability attorney like the team at Dell & Schaefer) to determine whether a pre-existing condition provision applies; if it does, you’ll need to document your medical visits and treatments even more carefully to differentiate your current disability from any conditions for which you’ve sought treatment in the past.

Medical Support is Essential for a Cigna / NY Life Disability Benefit Approval

If you haven’t been visiting your doctor regularly, or if your doctor takes minimal or incomplete notes about your condition, prognosis, and treatment plan, you’re unlikely to be approved for Cigna long term disability insurance benefits. Filing for disability insurance benefits before you see the doctor can also be risky; without contemporaneous information on file, the disability insurance carrier has no data on what may be wrong with you, how long it has lasted, or when you first began to notice it.

Tips for Completing the Cigna / NY Life Disability Claim Forms

You or your attorney will need to fill out some abbreviated disability insurance claim forms. Because these disability insurance forms generally allow for just a couple of handwritten lines for each question, it’s often beneficial to use attachments or addendums to set the facts out in greater detail and provide a more complete picture. After receiving the forms, the insurance carrier may reach out to the claimant, the doctor, or anyone else who is involved in the matter to confirm or clarify information in the disability claim form.

How to Prepare Your Doctor for a Phone Call from a Cigna / NY Life Doctor

Doctors often have incredibly hectic schedules, and obtaining a physician’s statement that meets your disability insurance carrier’s needs can sometimes be a challenge. It’s worth having a conversation with your doctor to make clear what type of documentation Cigna will need to approve a disability insurance claim. The more you can do to make this process easier on your doctor, the better.

Traversing a long term disability claim with New York Life/ Cigna can be a challenge for anyone. The experienced legal minds at Dell & Schaefer can help. We’ve handled hundreds of New York Life/ Cigna claims and know what they’re looking for when it comes to approving benefits. Call 800-682-8331 to set up a FREE consultation to discuss your Cigna claim with Dell & Schaefer.

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FAQ

Do you help Cigna claimants nationwide?

We represent Cigna clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Cigna disability insurance policy?

Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Cigna. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Cigna.

How do you help Cigna claimants?

Our lawyers help individuals that have either purchased a Cigna long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Cigna:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Patrick J.

My experience with Dell & Schaefer began after a prolonged and frustrating experience with my disability carrier subsequent to contracting an illness which left me incapacitated. As a few examples of the frustration I am referencing: I had been accused by the ‘doctors’ appointed by my carrier to review my case as being a narcissistic fraud; the carrier sent a man to my home in the country unannounced to interview me (while I was not there but my wife and small children were); the carrier seemed to be fighting my doctor’s diagnosis and statement regarding my disability and illness; the carrier was not communicating well with me and was being cryptic with responses to legitimate questions.

I finally was so stressed from what should have been a simple process, and exhausted from the emotional and mental toll of filing a claim, that I was about to give up in the interest of maintaining what little health I had left and not wasting it fighting my carrier. I reached out to Greg Dell and he immediately set up a time to talk with Stephen Jessup and himself. I told them I just couldn’t keep managing the process – that the fight was taking its toll and I was inclined to either ‘tap out’ or quit altogether. After reviewing my case they were more than happy to drive their tank into the battle which I had been fighting with a handgun (Mr. Dell’s example). I signed with Dell & Schaefer, and suffice it to say this ‘tank’ comment seems to have been true as the very same day my carrier received the letter from Dell & Schaefer saying I had engaged their services is the same day my claim was approved.

I was curious to see how service would be after they had me contractually obligated to them. I have been impressed on this front as well. Every effort to correspond receives a response within 24 hours. Mr. Jessup is my primary contact and I have received more than one personal note from him encouraging me as I battle my illness; I believe that he really does care beyond just the financial interest the firm has in my case. On the business side of my interaction with them, I have been impressed with the thoroughness and timeliness of all responses – no matter how unimportant they might seem to Mr. Jessup. On the occasion when a question is more administrative in nature and Mr. Jessup or Mr. Dell need to defer to one of their staff, the staff is equally as timely and thorough and professional in their responses.

The stress and frustration of dealing with my carrier are gone; this benefit in and of itself is priceless. To add, I feel the benefit I gain from having Dell & Schaefer as my advocates makes their fees seem to be an excellent value.

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