Dell Disability Lawyers Wins Disability Appeal against Cigna for Mortgage Banker
Before contacting our office, Mr. Z had a long history of chronic cervical issues necessitating repeated surgeries, the most recent being in March 2014. In addition to other issues, Mr. Z had been suffering from worsening symptoms associated with headaches and upper extremity weakness due to cervical herniated disc with myelopathy. In September 2013, Mr. Z’s conditions had worsened to the point he was no longer able to work as a Loan Officer for Quicken Loans.
Luckily, Mr. Z was eligible for Short-term disability (STD) benefits through his employer sponsored group disability plan. CIGNA, the claims administrator for the STD plan, initially approved Mr. Z’s claim for benefits and paid him benefits through December 13, 2013.
Mr. Z was also covered by his employer’s Long-term Disability (LTD) plan, under which he was eligible for benefits after exhausting his STD benefits. However, relying on an estimated return to work date from Mr. Z’s doctor, CIGNA denied Mr. Z’s LTD claim beyond December 20, 2013.
CIGNA denied Mr. Z’s claim despite an update from Mr. Z’s doctor that Mr. Z’s condition had worsened and advising that Mr. Z is not to return to work on December 20. CIGNA also ignored the doctor’s statement that Mr. Z required additional surgery.
First Administrative Appeal
Mr. Z, with the help of his doctor, submitted an appeal of CIGNA’s denial of benefits. Mr. Z took on the burden of handling his appeal while suffering through intense pain in his neck, daily migraines, swelling and pain mixed with numbness in his ear.
Despite letters from Mr. Z’s doctor, MRI’s revealing the origin of his pain, EMGs showing chronic cervical radiculopathy as well as statements from Mr. Z’s doctor that he was in need of additional surgery to stop the pain, CIGNA denied Mr. Z’s appeal on February 4, 2014.
Voluntary Appeal by Dell Disability Lawyers
Luckily, Mr. Z had a second appeal available under his policy and, following the denial of his appeal, he contacted our office for help.
We immediately began working on Mr. Z’s case. Upon reviewing the claim file, it became apparent that CIGNA’s review had been less than thorough. Cigna had denied Mr. Z’s claim based on outdated medical documents and had ignored significant objective findings supporting Mr. Z’s claim.
We sorted through the claim file and determined what was needed to get Mr. Z’s claim overturned. The appeal was successful.
By letter dated September 24, 2014, CIGNA faxed notification overturning its denial and advising that it would pay all benefits owed.
Find more CIGNA disability cases discussed on this page.
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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.