Cigna reinstates disability benefits for an accounting manager

Our client, an accounting manager for twenty-three years, suffered a debilitating stroke that left the entire left side of his body paralyzed. Coupled with the affects of the stroke, he also suffered from severe discongenic disease. Unable to work, he applied for and received Social Security Disability benefits from the Social Security Administration (“SSA”) after meeting the SSA’s very strict definition of “disabled”. Shortly thereafter he applied for long-term disability benefits with his insurance carrier, CIGNA, under the terms of his employer’s disability policy and was subsequently awarded his disability benefits.

Two years after his award of long-term disability benefits, CIGNA informed him that his twenty-four month disability period for his “own occupation” was drawing near and further investigation would be conducted to determine his claim for further long-term disability benefits. Our client complied with all the requirements and requests from CIGNA in order to maintain his disability benefits, but to no avail, CIGNA denied further long-term disability benefits.

In their denial of benefits, CIGNA indicated to our client that he still had the use of his right upper and lower extremities and was thus able to perform the duties of his occupation. In response to the denial letter, we prepared an administrative appeal. In the appeal, we noted that CIGNA based its denial on a telephone conference, an alleged review with an in-house vocational expert, and a review with an in-house Nurse Case Manager; all of which were never disclosed to the insured or his counsel. Furthermore, we noted that CIGNA never spoke to our client before denying him his rightful benefits, nor did they consult with any medical specialist in the fields of medicine applicable to his conditions.

With the overweighing evidence in the appeal provided by us, and medical specialists, treating physicians, and vocational rehabilitation experts, CIGNA agreed to reinstate his long-term disability benefits and pay back benefits covering the period of time in which he was wrongfully denied.

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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   *****

Meg N., MD

Working with Dell & Schaefer has been a consistently positive experience. My life changed precipitously as well as my career and ability to support my family. Over time, discussing simple issues with my disability insurer became more and more difficult. I reached a point of frustration one late afternoon from the west coast and decided to call and leave a message for the next day. Greg Dell actually picked up the phone ( it was 730 P his time) and was enormously helpful and thoughtful. That same thorough care has occurred in my ongoing relationship with Cesar Gavidia over the last 6+ years. He is organized, knowledgeable and accomplishes what needs to get done.

Most importantly, but still surprisingly, he has been incredibly thoughtful, kind and empathetic – all nice perks for those going through the torment of disability. I have come a long way in my ability to cope but knowing that I did not have to keep dealing and being demeaned with my disability insurer has meant the world. I know this seems overly enthusiastic, but it is all true.

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