After Appeal filed by Attorney Alexander Palamara, Cigna overturns its previous denial of long term disability benefits for Retail Clerk suffering from Bipolar Disorder and Chronic Pain
After receiving benefits for only 2 months, a retail clerk responsible for processing manufacturer returns was denied continued Long Term Disability Benefits by Cigna. Though she suffered from arthritis, chronic knee pain, chronic back pain, depression, anxiety, and bipolar disorder, Cigna felt justified in its denial of her claim.
In its denial letter, Cigna stated it relied upon reviews by its own employees and made the determination that there was no support for any physical limitations and no restrictions from a psychiatric standpoint.
After receiving her denial letter, the retail clerk contacted our firm and spoke with disability insurance attorney Alexander Palamara. A detailed conversation with the claimant regarding her medical conditions and a review of the denial letter made it clear that Cigna had improperly denied benefits to a woman who was suffering from severe medical restrictions based on her diagnoses.
Dell Disability Lawyers Gets Involved
After the initial consultation, Attorney Alexander agreed to take on her case and help her fight to get back on claim. Updated medical records and the claim file were ordered to asses our client’s current medical condition and prove to Cigna that she is incapable of performing her own occupation. A review of the claim file revealed that the Cigna employee reviews were filled with factually incorrect information. The reviews by the Cigna employees claimed the opinions by our client’s treating providers were not supported by acceptable clinical diagnostic testing; however, our client’s medical records contained ample supportive and objective clinical diagnostic testing, suggesting the Cigna employees never even reviewed our client’s records or were grossly mischaracterizing the contents of the records. It was clear that instead of looking for items in our client’s medical records that supported the claim, the Cigna employees were simply looking for what wasn’t included as an excuse to terminate her continued benefits.
The Filing of the Administrative Appeal
After gathering all necessary documentation, a timely administrative appeal was filed. This appeal challenged Cigna’s unsupported conclusions, cited to the supportive and objective medical documentation, and criticized the reviews by Cigna’s employees. The appeal also addressed the fact that medical records, especially psychiatric records, are not written for the purpose of proving a disability claim as they are written to treat the patient. The appeal pointed out that Courts have stated in the past that the use of a paper review performed by an inherently biased employee who has never met with, spoken with, or laid eyes on a patient has very little credibility, especially in the context of psychiatric evaluations because the specialty is dependent upon interviewing and spending time with patients.
Roughly 2 months after the administrative appeal was filed, Cigna reinstated our client’s long term disability benefits. Although our client went nearly seven months without benefits, she is relieved to be back on claim, and our firm is committed to do whatever it takes to see that she remains on claim until she reaches age 65.
This claim is another example of how insurance companies ignore supportive documentation and hire unqualified and biased employees to deny a claim.
If you have been denied disability benefits by Cigna or any other disability insurance company, please do not hesitate to contact Attorney Alexander Palamara at Dell Disability Lawyers for a free consultation.
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Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.