Cigna reinstates disability benefits for an accounting manager
Our client, an accounting manager for twenty-three years, suffered a debilitating stroke that left the entire left side of his body paralyzed. Coupled with the affects of the stroke, he also suffered from severe discongenic disease. Unable to work, he applied for and received Social Security Disability benefits from the Social Security Administration (“SSA”) after meeting the SSA’s very strict definition of “disabled”. Shortly thereafter he applied for long-term disability benefits with his insurance carrier, CIGNA, under the terms of his employer’s disability policy and was subsequently awarded his disability benefits.
Two years after his award of long-term disability benefits, CIGNA informed him that his twenty-four month disability period for his “own occupation” was drawing near and further investigation would be conducted to determine his claim for further long-term disability benefits. Our client complied with all the requirements and requests from CIGNA in order to maintain his disability benefits, but to no avail, CIGNA denied further long-term disability benefits.
In their denial of benefits, CIGNA indicated to our client that he still had the use of his right upper and lower extremities and was thus able to perform the duties of his occupation. In response to the denial letter, we prepared an administrative appeal. In the appeal, we noted that CIGNA based its denial on a telephone conference, an alleged review with an in-house vocational expert, and a review with an in-house Nurse Case Manager; all of which were never disclosed to the insured or his counsel. Furthermore, we noted that CIGNA never spoke to our client before denying him his rightful benefits, nor did they consult with any medical specialist in the fields of medicine applicable to his conditions.
With the overweighing evidence in the appeal provided by us, and medical specialists, treating physicians, and vocational rehabilitation experts, CIGNA agreed to reinstate his long-term disability benefits and pay back benefits covering the period of time in which he was wrongfully denied.
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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.