Question

Can I still get insurance benefits if Cigna denied my claim because I coouldn't give them the exact confirmation date of my pregnancy before the cutoff?

Asked on October 24th 2014 by Melissa C.
I’m pregnant and have been waiting on Cigna to approve my disability claim. They said they needed all my medical records, which they got and said it would be denied because I had complications on April 11, 2014, but was recommended for a follow up because the yolk sac was not able to be seen, which meant it might’ve not been viable and I was bleeding and had to go to the ER. The cutoff date the agent says was 4/14/2014. But they wanted the exact confirmation date of the pregnancy. But the review by the radiologist doctor in his report said “probable pregnancy, follow up needed to confirm” meaning they couldnt say whether it was viable or not. Could I still possibly get my insurance benefits since I went on 4/15/2013 to see if the prengnacy was viable and it turned out to be? Hope I am being clear on this. What a headache this has been.

Answer

Answered on October 25th 2014 by Attorney Alex Palamara

Melissa, Please feel free to contact our office to discuss how we may be able to assist you. If there was a denial of benefits in April, the 180 day deadline to file an appeal could be in jeopardy.