Question
Is there a process for appeals not being responded to in the time given? Also, how do I access my records?
We have been dealing with Cigna for some time now. Long story short, my husband was denied, he filed for N appeal. He was told all needed records were finally in, Cinga stated they needed an additional 45 days to the initial 30 day apeal. After over 100 days total we have not heard anything since they send the 45 day extension notice. No one answers or returns our calls. Is there a process for appeals not being responded to in the time given? We have also requested all records from Cigna several times, each time they state they will send them nothing comes
Answer
SB, ERISA provides 45 days to render a decision on appeal with the possibility of a 45 day extension- basically 90 days. However, Cigna would have the ability to toll these timeframes if they do not have all the information. So if they are waiting on information from your husband’s doctors they could be tolling the review. Did you provide Cigna will all the medical records/information in support of disability? If not, I would advise you do so, or find out what information they are still waiting for. Please feel free to contact our office to discuss your husband’s claim and rights in greater detail.
