Cigna disability video surveillance is common but hiding the results is not

What is Cigna disability company trying to hide from its own insured? Why would Cigna refuse to release all video surveillance and fail to release information about its relationship with a hired physical therapist? It’s unfortunately either an intentional act or the product of unqualified Cigna employees that are being asked to make the claim decisions on short term and long term disability claims.

It is not uncommon for a disability insurance company to conduct video surveillance during the course of a disability insurance claim, and use that surveillance to deny long term disability benefits. Disability insurance companies are also known to send claimants, who file disability claims, to independent medical examinations, also known as IMEs, and functional capacity examinations, often referred to as FCEs. One would hope that the doctor or therapist selected by the disability insurance company, or its third party vendor, would be truly independent, objective and not bias, however, this is not often the case.

Did CIGNA Fail To Release Copies Of All Video Surveillance Tapes?

In both ERISA and private disability insurance cases it is important for the attorneys representing the claimant to obtain from the disability insurance company, all of the surveillance tapes, as well as information relating to the relationship between the insurance company and its hired guns/expert consultants. Of course, most insurance companies do not easily volunteer this information or simply hand documentation and information over on a silver platter. Sometimes, as occurred recently in a case involving CIGNA, the disability insurance company will deny that it has further surveillance video of the claimant, when it in fact did, and should have produced same to the claimant upon request.

In Brice v. Life Insurance Company of North America, the claimant/plaintiff, Charles Brice, was employed as a general manager with Northwest Airlines at San Francisco International Airport. While at work one evening he slipped and fell on a concrete floor reinjuring and exacerbating a spinal condition for which he had undergone three previous unsuccessful back surgeries. Unfortunately, after his fall, Mr. Brice’s pain and discomfort were so severe that he was unable to return to work and was forced to file a claim for long-term disability benefits through his employer’s group long-term disability insurance policy with CIGNA.

Initially, CIGNA approved Mr. Brice’s long-term disability claim and paid his claim for a period of nearly 8 years before it decided to hire a private investigator and place Mr. Brice on video surveillance. CIGNA also demanded that Mr. Brice undergo a functional capacity examination (FCE) conducted by a physical therapist of their choice. Following its review of the video surveillance and the results of its therapist’s FCE report CIGNA decided to terminate Mr. Brice’s long-term disability benefits after 8 years.

Cigna Refuses To Release Video and Other Information During the Disability Appeal Process

Upon submitting his ERISA administrative appeal with CIGNA, Mr. Brice requested, amongst other things, any missing surveillance videotapes and information regarding CIGNA’s relationship with Select Physical Therapy, specifically the number of referrals made by CIGNA to Select Physical Therapy and the percentage of those referrals in which the therapist or doctor’s recommendation was to deny or grant benefits. CIGNA denied that it possessed any further surveillance video of Mr. Brice beyond what it had already produced, and refused to provide any of the information requested concerning Select Physical Therapy. Unfortunately, CIGNA also denied Mr. Brice’s appeal and upheld its decision to terminate his long-term disability claim.

Court Orders Cigna To Produce Additional Video Surveillance Tapes And Information Regarding Its Relationship With The Physical Therapist It Hired To Conduct FCE

Shortly after CIGNA denied his appeal, Mr. Brice filed a lawsuit in US District Court seeking that CIGNA pay the disability benefits owed to him. Mr. Brice’s California disability insurance attorneys also sought production of the surveillance videotapes which they believed CIGNA possessed but would not produce, as well information relating to CIGNA’s relationship with the physical therapist that it had retained to conduct the FCE. Interestingly, after Mr. Brice’s lawyers filed a court motion to conduct discovery, CIGNA produced additional surveillance tapes, however, did not provide any explanation as to why it had not previously provided the tapes upon request, and did not explain why it had misrepresented that it did not possess additional surveillance tapes of Mr. Brice.

The Court also required that CIGNA produce any documents regarding CIGNA’s relationship with the surveillance facility, as well as depositions concerning the taking any evaluation of the surveillance video. The Court also allowed Mr. Brice to obtain the information and discovery he sought regarding the relationship between CIGNA and the physical therapist it hired, in order to uncover the possibility of any potential bias by the physical therapist.

The conduct and questionable claims handling practices described above are not exclusive to CIGNA, and is actually something frequently encountered when dealing with disability insurance companies. It is not uncommon to request a claim file after an initial denial, and then request it again following a subsequent appeal denial, and discover that there was information or documentation that should have been produced by the disability insurance company following the initial denial but was not.

Sometimes information is mistakenly omitted or left out, but sometimes, as in Mr. Brice’s case, the disability insurance company simply refuses to cooperate and provide information which is the claimant’s right to obtain. This case was not handled by our law firm, but we continue to report all of the cases nationwide so that the unreasonable claims handling actions of disability insurance companies can be stopped.

There is one comment so far

  • I got my CD’s and they show fraud! Safety Deposit! They are not beneath home invasion. Their survailence are old cops that look like middle aged bikers with a wide back end and very stupid looking expensive sport sunglasses only wrestler’s or skier’s wear. Apparently I can magically walk and make coffee at the same time and the bank and the Post Office has a bad clock.

    They took the same outfit a month apart and spliced the days together but forgot my overalls are white and I live in the Mountains and they do get dirty, but not in 15 seconds and I am not a walking coffee machine when I am speeded up, go off camera and reappear less legal papers and now have a cup of coffee with no interruption in the clock in the camera. I did not roll in the dirt wile walking when exiting the view of 75 feet behind the post office or have my entourage hand me coffee as there is no place that sells that cup for 20 miles.

    If you look close you can see the grade in the payment working for me and they shot the roof rather that me entering the bank? They did this in other places as 10 sec clips make it look like somewhere else.

    I have been down the dirty cop road before and you must pace off their report step by step with you smart phone or camera and throw the pie back.

    Nomadwww Dec 17, 2013  #1

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Our disability insurance lawyers help policy holders seeking short or long term disability insurance benefits from Cigna. We have helped thousands of disability insurance claimants nationwide with monthly disability benefits. With more than 40 years of disability insurance experience we have helped individuals in almost every occupation and we are familiar with the disability income policies offered by Cigna.

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Our lawyers help individuals that have either purchased a Cigna long term disability insurance policy from an insurance company or obtained short or long term disability insurance coverage as a benefit from their employer.

Our experienced lawyers can assist with Cigna:

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Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

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Brett C.

I have been on LTD, since Aug 2016, and Cigna is my LTD Insurance Company. I received a couple of payments from Cigna, without any issues, but then the payments stopped in Oct, at which time I was informed by Cigna that they were “looking into” my claim. Cigna stopped contacting me, would not even return calls or emails, but finally contacted me in mid-December to inform me that they would not be continuing with my claim.

I contacted Dell & Schaefer in January, at which time I began working with Attorney Alex Palamara, Disability Appeal Specialist Randa Escayg, and Legal Assistant Kathy Bordes. These folks were always kind, professional, understanding, did a great job of explaining everything to me, and most importantly I could tell that they truly cared about the situation my wife and I had unfortunately found ourselves in.

I fully understand the feeling of being overwhelmed, when you are first denied, that David vs Goliath feeling of you against some huge conglomerate, that powerless and helpless feeling that overcomes you when you are sick and injured and at your most vulnerable. The only things that you are able to focus on are saving your family’s home, doing whatever you can to take care of them, all while you should be focusing your energy on getting better, as much as you are able, so that you can recover your life to what it once was, returning your current life of overwhelming stress and chaos to some semblance of normalcy. Well, as soon as I began working with Alex, Randa, and Kathy, I immediately felt better, like I finally had someone in my corner fighting for me, somebody who cared, and somebody who would stand up to that giant corporation, and make things right.

Alex won my appeal for me, and Cigna is in the process of restoring my full benefits, retro back to October. I cannot describe to you the feeling of joy and elation the moment my wife and I were notified we had won. To those currently dealing with a LTD company, and all of the madness that entails, just know that there is a light at the end of the long dark tunnel. You do still have hope, and you can certainly do no better than to have the wonderful folks at Dell & Schaefer in your corner fighting for you!!!!

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