After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits

Our client had been employed as a Truck Driver for Harris Teeter Supermarkets, Inc. His disabilities included Chronic Pancreatitis, Chronic Pain, Stomach Ulcers, Epigastric Pain, Nausea, Diffuse Gastritis, Gastroesophageal Reflux Disease (GERD), Fatty Liver, Nephrolithiasis, Type 2 Diabetes Mellitus, Hypertension, Headaches, Osteoarthritis of the Knee, Hyperlipidemia, Lumbago, Kidney Stones, and Insomnia. The client worked dutifully for Harris Teeter since 1994. Unfortunately, by the end of October 2012, the conditions and their accompanying restrictions and limitations became too much. Knowing he was covered under Short Term (STD) and Long Term Disability (LTD) Insurance Policies for this very situation, the client left work and applied for benefits.

Unfortunately for the client, Cigna denied his application for Short Term Disability Benefits. Within a week of receiving the December 19, 2012 Denial Letter, the client had contacted Attorneys Dell & Schaefer for potential representation. Dell & Schaefer quickly formulated a plan to both appeal the Short Term Disability Insurance Denial and at the same time apply for Long Term Disability Benefits. The appeal and application were timely filed.

Relying on internal reviews conducted by Cigna employees only, Cigna unfortunately not only again denied the Short Term Disability claim but also denied the Long Term Disability application. This decision was frustrating for both Dell & Schaefer and the client as the decisions appeared to have not been based on the medical records and other facts of the case. Instead, it became apparent that the decision was based on Cigna’s inherent conflict of interest as it was not only the decider of benefits, but it also paid the disability benefits.

Administrative Appeal by Attorney Alexander Palamara

A second appeal was then filed by Disability Attorney Alexander Palamara. In the Appeal, Attorney Palamara stressed the objective documentation found in the medical records and the support of the client’s treating physicians. Attorney Palamara also pointed out Cigna’s conflict of interest and noted how it appeared to be clouding the judgment of the company.

Within 45 days of the second appeal being filed, Cigna informed Dell & Schaefer that the client would be receiving the remaining Short Term Disability Benefits owed, the past due Long Term disability Benefits owed, and would be on monthly claim for Long Term Disability Benefits.

The delay in payment caused by Cigna was unjust. However, the client is happy to finally have been awarded his benefit and is looking forward to receiving his benefit until he is able to go back to work or until the policy expires.

If you have been denied by Cigna or any other disability insurance company, please do not delay and please contact Attorneys Dell & Schaefer for a free consultation and review of your claim.

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, 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   *****

Steven (Minnesota)

When we started this journey in January 2016 with the first Total Knee Replacement, which landed us with Long Term Disability and not returning to a work force at the age of 55. We knew we needed to find an attorney that would represent our needs. Started researching Attorney’s online and discovered one that showed no desire to actually help our case.

So, through more research and reading reviews we discovered Dell & Schaefer Law Firm. The reviews posted, were concisely what we experienced with Gregory Dell. From the very first email Greg was expeditious in his communication with us, Greg even personally called us in the evening, while on vacation I believe. It is a difficult journey going through SSDI and Long Term Disability Insurance claims with CIGNA and ADVANTAGE 2000, Gregory helped us navigate the entire way while showing empathy for our specific needs. Greg truly embraced the customer service aspect of letting us know we are important to him. Greg and his team supported our slow speed to a decision that would be right for us. We always had clear direction and guidance. Greg and his Team showed great tenacity in achieving the best possible outcome for us.

We highly recommend this professional, personable TEAM of ethical attorneys to support you in your needs as well. Thank you Gregory Dell & Team.

***** 5 stars based on 202 reviews

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