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.

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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   *****

RA client

Being disabled is difficult on many levels so the importance – and peace of mind – that comes with having advocates and advisers who not only provide legal expertise and assistance but also genuine care and support is quite literally invaluable. Having attorney Rachel Alters and her paralegal Anneli DeCardenas to help deal with complicated insurance issues has been a true blessing that has made this unfortunate period of my life so, so much easier.

They are not only experienced, talented and incredibly responsive professionals but they have always made me feel like a person who matters and not just a client to be dealt with as part of a daily to-do check list. I’m not someone who usually provides references but I really can’t say enough to express just how wonderful these two incredible women are or how grateful I am that they are on my side.

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