• Applying 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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Questions About Hiring Us

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   *****

Sherri M.

I had a very pleasant experience working with Rachel Alters from Dell & Schaefer. I very quickly found out that there were no attorneys in my town that had much if any experience when dealing with ligation for a previous employee and the Long Term Disability Company. Once I found Dell & Schaefer I was introduced to Ms. Alters and gave her my information. My case from there was moved forward very quickly.

Ms. Alters worked with me via phone calls, email, fax machine and FedEX. Everything Dell & Schaefer provided as a law firm was exceptional value to me. My case was handled swiftly. I received great Customer Service. My voice was heard through Ms. Alters and I never left my home. Throughout a handful of conversations my case was settled without ever going to court! In a manner of about ten months from start to finish is all the time that it took to resolve the case.

***** 5 stars based on 202 reviews

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