Cigna Reinstates Benefits to Software Engineer Suffering From Chronic Back Pain

Our client was the epitome of a no-nonsense, honest, hardworking individual. So much so that at the age of 64, while performing yard work at his home he fell some 30 feet from a tree, breaking multiple vertebrae in his back and still attempted to return to his occupation as a Software Engineer. Despite his noble efforts, the severity of the fall that almost killed him and required extensive surgery left him unable to perform the duties required of his occupation.

Unable to return to work he filed a claim for disability benefits with Cigna and with the Social Security Administration. It would seem that given the nature of the injury and our client’s age that there would be little problem with his benefits being approved. Following that logic, Cigna initially approved his claim for disability benefits with Social Security soon following.

The Denial of Long Term Disability Benefits.

Like many long term disability policies governed by ERISA, the maximum benefit under our client’s policy was 65. However, common to many policies, if disability occurs after the age of 61, benefits will be payable for a designated number of months. In our client’s case his long term disability benefit was to be paid for 36 monthly payments.

Less than 18 months after his accident, and only 14 months after his claim for long term disability benefits was approved, at the age of 65, Cigna determined that our client could return to his former occupation. It was then he contacted Attorneys Dell & Schaefer and spoke with Attorney Stephen Jessup. Based on all the surrounding facts and circumstances of the case even Attorney Jessup was surprised that Cigna would deny the claim.

The Appeal

Attorney Jessup set out immediately to obtain a copy of Cigna’s claim file as well as a copy of all of our client’s medical records. In reviewing the medical review performed by Cigna’s doctor, who never physically examined our client, Attorney Jessup was astounded to find that the doctor opined that there was “no quantifiable clinical exam, clinical testing or imaging documentations to support a significant ongoing physical impairment” that would preclude work. This opinion was made despite having the medical documentation containing three MRIs, seven X-rays, EMG and Nerve Conduction Studies, two CT Scan, two Myelograms and numerous medical records from our client’s doctors which documented his physical restrictions and limitations.

In preparing the appeal, Attorney Jessup systematically undermined the opinion of Cigna’s doctor by highlighting all of the inconsistencies and contradictions contained in the report. Efforts were then coordinated with our client’s doctors to provide additional medical support and proof of continued entitlement to disability benefits. When all the supporting information was secured, Attorney Jessup finalized and filed the lengthy and detailed appeal. Presented with clear evidence of its improper denial of benefits, Cigna was left with little choice and overturned its erroneous denial.

Long term disability benefits are never guaranteed.

Our client is a classic example of this reality. At the age 65 after having suffered a broken back in an accident that could have killed him, who had only approximately two years of benefits left under the policy, our client would not have seemed to be a likely candidate for a claim denial. However, the reality of long term disability insurance is that an insurance carrier will always look to find a way to deny a claim for benefits no matter the age or disability of the individual.

If your claim has been denied or you are concerned that your insurance company may be looking to deny your claim, please feel free to contact our office for a free consultation.

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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   *****

Noah P.

A few years ago I found myself unable to work and needing treatment. While I was getting the treatment I needed my employer fired me. This left me still needing treatment as well as needing to find a source of income. Not knowing where to turn or what to do my wife an I contacted Dell & Schaefer for help. Upon speaking with attorney Stephen Jessup we felt assured that we had found the help we needed. Attorney Jessup worked with the attorneys from my former employer and explained my situation to them. During the weeks of negotiations attorney Jessup kept us informed as to the progress and ultimately called us with a settlement offer. We were so relieved and grateful!

But that is not where our story ended. After informing us of the offer presented by my former employer, attorney Jessup advised me that he felt he could get us a better settlement with just a bit more time. I discussed it with my wife and we both felt confident in attorney Jessup’s advice so we allowed him to further negotiate on our behalf. Sure enough, a more equitable settlement was reached in a very short time. During the entire process attorney Jessup and the staff at Dell & Schaefer handled everything with very little input needed from us. This allowed me the time and reassurance that I needed in order to heal. Their professionalism and reassuring manner never left me feeling concerned that I wasn’t being fully represented despite the fact that they rarely needed participation directly from me. In the end my confidence in them was rewarded with a better settlement than I was expecting. My wife and I are forever grateful. From my experience it would be very difficult for Dell & Schaefer to improve upon their process.

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