Dell Disability Lawyers Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee
On January 15, 2010, a System Engineer for Lockheed Martin Corporation was forced to leave work due to multiple medical conditions. His conditions included Chronic Pain Syndrome, Degenerative Disc Disease of the Cervical and Lumbar Spines, Active Colitis, Cognitive Dysfunction, etc. As his employment with Lockheed provided coverage under a Long Term Disability Policy, this System Engineer applied for Long Term Disability Benefits with Cigna. Due to the severity of his conditions and their accompanying restrictions and limitations, Cigna approved the Lockheed Martin employee’s claim and he was paid benefits through August 17, 2012.
Denial of Benefits by Cigna
Unfortunately for the Lockheed Employee, by way of a letter dated August 16, 2012, Cigna informed him that benefits were being terminated effective August 17, 2012. In the aforementioned letter, Cigna stated that there were “no clear limitations and restrictions” and that it had found that the employee had “documented functionality.” Cigna therefore denied the claim.
Within hours of receiving this denial letter from Cigna, the Lockheed employee contacted Dell Disability Lawyers for representation.
First Administrative Appeal Filed
After reviewing the claim file provided by Cigna and the medical records provided by the treating physicians, Attorney Alexander Palamara was confident in the Lockheed Employee’s case and filed a timely administrative appeal. This appeal stressed the level of support shown by the treating physicians and documented the objective evidence supporting the employee’s claim. Unfortunately for the Lockheed Employee, the first appeal was unsuccessful and his claim was again improperly denied by Cigna. The April 8, 2013 letter which denied the administrative appeal closely echoed the findings of Cigna’s initial incorrect letter of denial.
Second Administrative Appeal Filed
The Lockheed Martin Corporation Long Term Disability Group Policy provided for a second level of appeal to challenge Cigna’s denial of the employee’s administrative appeal. Armed with the same medical records previously provided to Cigna, as well as updated records and notes from the employee’s treating physicians, a second administrative appeal was filed which challenged Cigna’s decision to deny benefits.
CIGNA Overturns Denial, Long Term Disability Benefits Being Calculated
By way of a fax dated March 10, 2014, Dell Disability Lawyers and the Lockheed Martin Employee were informed by Cigna that “a determination has been made that the prior decision should be overturned.” Cigna had thus overturned its earlier decisions to deny benefits and have thus reinstated the Dell Disability Lawyers’ client’s claim. A sizeable benefit check for the 19 months of back benefits owed will be received by the client shortly. This check in the tens of thousands of dollars will be for the period of August 18, 2012 to the present.
Additional Long Term Disability Benefits Will Follow
Because the claim has been reinstated and Cigna has now agreed that the client is “unable to perform each and every material duty of any occupation,” the client will again begin receiving a monthly benefit check from Cigna.
If you have been denied or are in fear of being denied by Cigna or any other of the disability insurance companies, please do not hesitate to contact Dell Disability Lawyers for a free consultation. We will gladly review your claim to see if we can be of assistance.
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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.
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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.
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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.