Cigna Overturns Denial of Disability Insurance Benefits for IT Consultant Suffering from Physical and Mental Conditions

Prior to filing her claim with Cigna for disability benefits under her employer’s group long term disability plan, our client was a Senior IT Consultant for a large corporation. In her role she served as an advanced level project manager responsible for the management of multiple teams, making sure budgets were adhered to, strategies implemented, and projects completed on time. To say that she was near the pinnacle of her profession is an understatement. However, her constant on the go, nonstop workweek eventually began to take its toll on her. She began experiencing severe cluster headaches and increasing back pain as a result of lumbar degenerative disc disease and not long after bouts of severe depression and anxiety. No longer able to physically or emotionally perform the duties of her job, she filed her claim for disability benefits with Cigna. Despite an exhaustive list of medical conditions and records, Cigna determined that her complaints were subjective in nature and even went so far as to say somatic in nature and as a result denied her claim.

The Appeal Of Another Cigna Disability Denial

Following the denial of her claim she contacted Attorneys Dell & Schaefer and spoke with Attorney Stephen Jessup, who discussed the denial and what her options were to move forward against Cigna. She was emotionally spent from the downturn of her health and from her battle with Cigna and wasn’t sure if she wanted to bother fighting the denial. Following the initial phone consultation, she spoke with Attorney Jessup on multiple occasions and was still unsure if she had the emotional energy to pursue her case. Attorney Jessup addressed all of her questions and eased her concerns as to the process of appealing the denial and dealing with Cigna. With the added peace of mind that she would not have to deal with Cigna on her own, she decided to fight back.

In preparing the appeal, Attorney Jessup reached out to our client’s multiple doctors and therapists to coordinate an effort to provide medical documentation that would substantiate her “subjective” complaints and address the severity of her limitations. He conducted extensive reviews of Cigna’s claims review as it related to the duties of her occupations and presented additional evidence to Cigna that was not in the initial claim review. When all was said and done, Attorney Jessup submitted a 25 page appeal letter with over 400 pages of additional documentation to Cigna. Cigna overturned its denial, reinstated our client’s claim and forwarded all back benefits owed.

Is It Worth It To Fight A Disability Denial?

‘Is it worth it?’ is a common question asked by many people who call Dell & Schaefer after their claim has been denied. In a word, yes, it is worth it. The insurance companies hope that you will walk away from your rights under a disability policy. Don’t be discouraged by a claim denial and don’t let the insurance company get the last word. Our client refused to give up and hired Dell & Schaefer to fight the battle she no longer had the energy to wage.

If your disability claim has been denied or you have concerns as to the status of your claim please contact Attorneys Dell & Schaefer for a free consultation.

DISABILITY INSURANCE COMPANY INFORMATION
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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.

Dell & Schaefer Client Reviews   *****

Melody K.

We worked with attorney Cesar Gavidia and the experience was absolutely an A++++. As a professional, I can tell you that EVERY aspect of my experience with this law firm was superior and Cesar far exceeded any expectations I had! They don’t miss a beat! Cesar walked us through every aspect of our case. He made sure we had all the information that we needed in order to make the most informed decision. His input was invaluable and he clearly knows the ins and outs of this area of law. He’s a solid negotiator, fabulous coach and won us a terrific settlement.

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