Dell & Schaefer Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee

On January 15, 2010, a System Engineer for Lockheed Martin Corporation was forced to leave work due to multiple medical conditions. His conditions included Chronic Pain Syndrome, Degenerative Disc Disease of the Cervical and Lumbar Spines, Active Colitis, Cognitive Dysfunction, etc. As his employment with Lockheed provided coverage under a Long Term Disability Policy, this System Engineer applied for Long Term Disability Benefits with Cigna. Due to the severity of his conditions and their accompanying restrictions and limitations, Cigna approved the Lockheed Martin employee’s claim and he was paid benefits through August 17, 2012.

Denial of Benefits by Cigna

Unfortunately for the Lockheed Employee, by way of a letter dated August 16, 2012, Cigna informed him that benefits were being terminated effective August 17, 2012. In the aforementioned letter, Cigna stated that there were “no clear limitations and restrictions” and that it had found that the employee had “documented functionality.” Cigna therefore denied the claim.

Within hours of receiving this denial letter from Cigna, the Lockheed employee contacted Attorneys Dell & Schaefer for representation.

First Administrative Appeal Filed

After reviewing the claim file provided by Cigna and the medical records provided by the treating physicians, Attorney Alexander Palamara was confident in the Lockheed Employee’s case and filed a timely administrative appeal. This appeal stressed the level of support shown by the treating physicians and documented the objective evidence supporting the employee’s claim. Unfortunately for the Lockheed Employee, the first appeal was unsuccessful and his claim was again improperly denied by Cigna. The April 8, 2013 letter which denied the administrative appeal closely echoed the findings of Cigna’s initial incorrect letter of denial.

Second Administrative Appeal Filed

The Lockheed Martin Corporation Long Term Disability Group Policy provided for a second level of appeal to challenge Cigna’s denial of the employee’s administrative appeal. Armed with the same medical records previously provided to Cigna, as well as updated records and notes from the employee’s treating physicians, a second administrative appeal was filed which challenged Cigna’s decision to deny benefits.

CIGNA Overturns Denial, Long Term Disability Benefits Being Calculated

By way of a fax dated March 10, 2014, Attorneys Dell & Schaefer and the Lockheed Martin Employee were informed by Cigna that “a determination has been made that the prior decision should be overturned.” Cigna had thus overturned its earlier decisions to deny benefits and have thus reinstated the Dell & Schaefer’s client’s claim. A sizeable benefit check for the 19 months of back benefits owed will be received by the client shortly. This check in the tens of thousands of dollars will be for the period of August 18, 2012 to the present.

Additional Long Term Disability Benefits Will Follow

Because the claim has been reinstated and Cigna has now agreed that the client is “unable to perform each and every material duty of any occupation,” the client will again begin receiving a monthly benefit check from Cigna.

If you have been denied or are in fear of being denied by Cigna or any other of the disability insurance companies, please do not hesitate to contact an attorney at Dell & Schaefer for a free consultation. We will gladly review your claim to see if we can be of assistance.

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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.

Reviews   *****

Karen F. (New York)

I applied for and was denied my LTD insurance a little over two years ago. I was distraught, I had no idea they could just refuse you. My Social Security disability lawyer gave me Dell & Schaefer’s name and phone number. I called the next day, and they immediately called me back and set up an appointment the next day, for me to speak to Alex Palamara on the phone. They are located in Florida.

He was extremely empathetic and friendly. He took all of my information and he and Danielle Lauria, who works with the lawyers, prepared a statement to the insurance carrier. They also send me copies of everything that they send out. They sent a very professional and informative letter explaining why I should not be denied the insurance. The insurance company immediately decided to pay me the insurance that I signed up for.

I have always received quick information and phone calls, whenever I request assistance. They did have to do another appeal for me, recently. It was very involved, but written up extremely well. I was offered a settlement, and they were even able to get the in Insurance company to increase it for me. I would recommend Mr. Palamara and this law firm to anyone who has a problem with their LTD insurance. I don’t have a single complaint about the way I was treated. I’m extremely thankful for their help over the last few years.

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