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After being denied disability benefits, Rabbi suffering from bipolar disorder sues CIGNA

An Indiana disability attorney recently filed a federal lawsuit against the Cigna Life Insurance Company of New York (Cigna). The Plaintiff, by virtue of her employment, was covered by a monthly disability benefit plan with Cigna. When Cigna denied wrongly withheld disability benefit payments, the Plaintiff was forced to file a lawsuit.

The Facts of the Case Against Cigna Life Insurance Company Of New York

Plaintiff worked as a Rabbi from July 1, 2007 until she became disabled in May 2010 due to bipolar disorder and attention deficit disorder and went on disability leave.

Plaintiff submitted a claim to Cigna to obtain her monthly disability benefits under her policy, to which she paid 100% of the premiums for over 3 years.

Under the terms of the policy, Plaintiff is entitled to disability payments from Cigna in the amount of $5,250.00 per month after meeting the policy’s 90-day elimination period.

Denial of Cigna Disability Benefits Claim

Cigna originally denied Plaintiff’s claim on July 15, 2010, and upheld that denial on June 30, 2011 after Plaintiff filed an appeal that included additional medical documentation and argument of her disability.

This is despite the fact that Plaintiff continues to be totally disabled and is unable to work, as Plaintiff’s treating doctor has repeatedly communicated to Cigna.

This is also despite the fact that Plaintiff applied for Social Security benefits, for which she was approved, as the Social Security Administration determined that as of May 16, 2010, Plaintiff is totally disabled and not able to engage in “any substantial gainful activity.”

Lawyer Files Lawsuit Against Cigna

According to the lawsuit, the plaintiff alleged that Cigna failed to provide the following to the plaintiff:

Plaintiff claims that Cigna committed the following wrongful acts:

Relief Sought By The Plaintiff In The Cigna Lawsuit

Because of Cigna’s actions, Plaintiffs seeks the following relief from the Court:

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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   *****

Jeffrey G.

Excellent legal services From Dell & Schaefer.

I had the opportunity to use the law firm of Dell & Schaefer of Hollywood, Florida. Greg Dell met with me during the initial consultation and explained my policy benefits. My situation was rather unique due to the fact it was a Mental/ Nervous condition which are often the most challenging to get approved. The firm spent a significant amount of time on my case and at a very reasonable fee. Through their hard work and legal expertise my claim was approved in a timely fashion. I would highly Greg Dell to anyone in need of a disability attorney.

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