After Appeal by Dell & Schaefer, Cigna overturns its decision to deny Short Term Disability Benefits

In July of 2013, a woman former employed as a Planner/Scheduler contacted Attorneys Dell and Schaefer for potential representation due to the fact that Cigna had denied her continued claim for Short Term Disability benefits. This woman was forced to leave work on January 17, 2013 due to Chronic Fatigue Syndrome, Rheumatoid Arthritis, and Fibromyalgia. Fortunately for this Planner, she was covered for Short Term and Long Term disability benefits under the Hanford Employee Welfare Trust for such a situation.

Shortly after leaving work, the Planner applied for short term disability benefits, and, after a brief fight with Cigna, was initially approved for disability benefits by Cigna. Cigna paid short term disability benefits from February 22, 2013 until March 20, 2013. Unfortunately for the Planner, Cigna denied further benefits by way of a letter dated March 28, 2013. The Planner properly and timely appealed Cigna’s decision, but her appeal was denied on June 18, 2013. Fortunately for the Planner, her policy allowed for one final administrative appeal to prove to Cigna that she should be on claim.

Denied Claimant Contacts Dell & Schaefer

In July of 2013, within one month of being denied, the Planner contacted our firm for potential representation. After reviewing her claim, Attorney Alexander Palamara was confident our firm would be successful in overturning Cigna’s denial of benefits. Shortly thereafter the administrative record (claim file) was requested from Cigna and new medical records ordered from her treating physicians.

Administrative Appeal Filed

After reviewing the information gathered from the treating physicians and claim file, Attorney Alexander Palamara of Dell and Schaefer filed an administrative appeal challenging Cigna’s decision to deny benefits beyond March 20, 2013.

The appeal highlighted the Client’s supportive documentation found in her records as well as her treating physicians’ support. The appeal also pointed out the inadequacies of Cigna’s denial letter and its reliance on an “independent paper” review conducted by an independent physician consultant (Dr. Penny Chong).

Fortunately for our client, on February 4, 2014, Cigna informed our firm that its appeal had been successful. A few days thereafter, our client received a benefit check for the time period remaining on her short term disability claim. She thus received a sizeable benefit check for the period of March 21, 2013 through July 16, 2013.

Long Term Disability Benefits Should Be Coming Shortly

Now that the Short Term Disability Claim has been fully approved, our client is now eligible for Long Term Disability Benefits. Although Cigna should have approved the Long Term Disability claim at the same time it agreed to overturn the short term disability claim, we are confident that the LTD claim will be approved. Should it not be, Cigna is aware that Dell & Schaefer will fight for client’s benefits until they are approved.

If you have a similar situation or have been denied by Cigna or any of the other disability insurance companies, please contact us to see if Attorneys Dell & Schaefer can be of assistance. We always are available for a free consultation and review of your claim.

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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.

Reviews   *****

Regis A.

After many months of trying to reverse the denial of my claim on my own, I turned to Dell & Schaefer for their assistance. They answered all my calls and questions without hesitation. They were successful in obtaining the over-ruling of my disability denial without filing a lawsuit and I received all of my back benefits. I am glad to have found them and they continue to manage my claim for me.

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