Cigna Makes Disability Insurance Claim Claimant Live in Fear of Claim Denial
Even when a disability company pays a claimant it is rare that the claimant has any confidence that the disability company will continue to pay. On a daily basis our disability insurance attorneys speak with claimants that have either had their benefits denied or fear that they will be denied.
We regularly write articles about the manner in which disability companies can handle a claim, but we wanted to share with you an anonymous comment that describes one claimant’s experience with Cigna Insurance Company. Our disability lawyers help claimants on a daily basis with Cigna disability claims and the experience described below is unfortunately very common:
My Cigna claim is current as of present I fought for 7 months to be approved the first time around and lost my home car and my daughter had to leave her school senior year. We had to move in with my Mom over an hour away form friends jobs school and our lives. I also maxed out my 403b to survive and my credit went to crap. I am a nurse and very knowledgable and all I ever hear again and again is WE NEED OBJECTIVE DATA. They have all of it. MY FCE says no full or partime work no lifting over 10lbs. I have handicap placard am in the process of SSI/DI which wont be nearly enough to live on.
I have multiple procedures injections discograms MRI and the lists go on and all state my back is a mess. My new and old primary agree no work. I wish I could. I am a on the go girl! Not anymore. I am scared to death they will deny for some reason and I will have to appeal again like before and I can’t afford that. I am FINALLY getting an apartment again not with my mother at 38! They ruined my credit because I had no pay so I cant buy a home again at current and am barely able to rent a place at 38!
The emotional duress anguish fear and increase in my anxiety and depression worsens daily. The new review person I am working with called me several times and I called her as well trying to inform her she has sent record requests to doctors that are not even mine. She told me I need to obtain all of my medical records since Sept. 2012?? That is her job. How the heck does she find wrong MD? She said she “thinks she has the FCE and discogram”. Really thats the damn objective data I need. I am willing ready and able to fight this to the end get LTD forever and would love to pursue for mental anguish loss of lifestyle comforts home credit car my poor 17yr old at the times destruction of her life.
I am angry fed up pissed and done with the ignorance! Please help! I am requesting a new review worker due to this ones heads up her behind! I am ready to be an advocate a fighter a warrior and a winner against the abuse this horrid company inflicts on so many. Oh and lastly I am told I am a surgical candidate however at 38 and no curative guarantee of a high percentage I am wanting to hold off. The surgery is palliative and wont allow me to work but slightly help pain. Also I am enrolled in service dog training to have my service dog trained and assist me with all ADL/IDLS of life. Obviously I am disabled. Everyone but Cigna agrees! Please Please fingers crossed you can help!
We have contacted this claimant and we will do everything we can to help. Contact us for a free consultation to discuss your disability claim with Cigna or any other company.
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Cigna Reviews
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Showing 8 of 668 Reviews
Mutual of Omaha
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Answered Questions by Our Lawyers
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Showing 8 of 48 Answered Questions
Q: I filed an appeal and lost. Is it worth pursuing?
A: Kim, in my opinion, yes. If you are still within your timeframe to file a lawsuit you have little to lose in t... Read More >
Q: Do I have a case for STD? I was denied twice because a) I hadn't been a fulltime employee for 6 months and b) I had ben on FMLA since Febury.
A: Frank, we would need to see a copy of the denial letter and the policy. Please feel free to contact our office... Read More >
Q: How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination?
A: Tret, Cigna will be required by law to provide you with a written denial letter setting forth its reason for t... Read More >
Q: Is there a process for appeals not being responded to in the time given? Also, how do I access my records?
A: SB, ERISA provides 45 days to render a decision on appeal with the possibility of a 45 day extension- basicall... Read More >
Q: Is it worth is to go to court over $2500?
A: Mark, If you have no additional appeals your only option would be to find representation to file a federal law... Read More >
Q: How long will it take Cigna to get back to me? Will my military retiree pay be held against my policy 60%? Will Cigna exploit the disparity in the medical community over my illness?
A: Craig, Unfortunately it can sometime take up to 45 days to receive a decision from Cigna as to your entitlemen... Read More >
Q: Do I have any options to void an agreement I signed? Can Signa offset my SSDI benefits?
A: Donna, I do not know if you would have any avenues to void the agreement you signed. Regardless of agreeing th... Read More >
Q: Can I sue Cigna even if they do end up paying me?
A: Linda, If your policy is governed by ERISA you will need to go through the administrative appeal process prior... Read More >
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LINA overturned its previous LTD denial for Medical Technologist
Our client, Ms. H, formerly worked as a Medical Technologist for a National Clinical Laboratory. In July 2017 a number of medical issues, including psoriatic arthritis and osteoarthritis forced Ms. H to stop working and submit her claim for disability benefits under her employer’s long-term disability (LTD) policy, which was funded and administered by LINA. Under her employer’s disability policy she would ... Read More >
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CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist
Our client, Ms. K, formerly worked as an IT Procurement Specialist for a large international technology company, which required “sedentary” work functional capabilities. In April 2015 a number of psychiatric issues, including the debilitating co-morbid effects of anxiety, depression, alcohol dependence and PTSD forced Ms. K to stop working and submit her claim for disability benefits first under his employ... Read More >
CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker
Our client, Ms. C, formerly worked as a Senior Personal Banker for a large national bank, which required “light” work functional capabilities. In July 2016 a number of medical issues, including the debilitating co-morbid effects of Sternal Osteomyelitis, Arthritis, Depression and PTSD forced Ms. C to stop working and submit her claim for disability benefits first under her employer’s short-term disabilit... Read More >
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A Respiratory Therapist was forced to stop working due to bilateral degenerative knee conditions which required a total knee replacement. Over time, the knee problems resulted in worsening lumbar spine problems, which required surgical intervention as well as numerous steroid injections and physical therapy treatments. The severe lumbar spine pain, as well as degenerative conditions in her knees, prevented her... Read More >
Cigna reinstates disability benefits to Project Manager on Appeal
Prior to filing for disability insurance benefits our client worked as an executive level Project Manager. She initially went out of work following the removal of a brain tumor, which resulted in complications of bilateral diploma (severe double vision), hearing loss and migraines. Initially, Cigna approved her claim for benefits and issued long term disability benefits for approximately a year before determin... Read More >
Trinity Health Care Registered Nurse wins Cigna long term disability Appeal
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