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 cnat 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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There are 2 comments

  • Susan,

    The carrier is typically under no duty to provide you with a copy of the FCE report until such time that your claim is denied. If your claim is not denied then it is safe to assume that the report was favorable. However, this does not prevent you from requesting a copy of the report from the carrier, or in the alternative that a copy of same be sent to your treating physician.

    With respect to your second question – it is a very rare occurrence with an insurance carrier waives the Regular Care of a Physician requirement.

    Stephen JessupJun 14, 2014  #2

  • Hi, my questions are these:

    After a Disablity Insurance company orders and recieves an FCE (finding of which support occupational disability) what is their responsibility to the insured? ie: do they have to notify the disabled/insured in a specific period of time regarding their review of the FCE report, do they have to clarify if they agree and the insured is still covered or not?

    Also if the policy issued states that if there is a total disability from your Regular occupation “we will waive Regular Care of a Physician when it is no longer required for prudent medical management of the Injury or Sickness.”

    Does this actually ever happen and if so what are the protocols you have found or similar cases regarding this that I might review.

    Thanks.

    SusanJun 13, 2014  #1

FAQ

Do you help Cigna claimants nationwide?

We represent Cigna clients nationwide and we encourage you to contact us for a FREE immediate phone consultation with one of our experienced disability insurance attorneys.

Can you help with a Cigna disability insurance policy?

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.

How do you help Cigna claimants?

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:

  • ERISA and Non-ERISA Appeals of Disability Benefit Denials
  • ERISA and Non-ERISA Disability Benefit Lawsuits
  • Applying For Short or Long Term Disability Benefits
  • Daily Handling & Management of Your Disability Claim
  • Disability Insurance Lump-Sum Buyout or Settlement Negotiations

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

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.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

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