Does the 2013 Cigna Long Term Disability Regulatory Settlement Agreement Require My Disability Benefit Denial to Be Reconsidered?

If you are a resident of California, Connecticut, Maine, Massachusetts, or Pennsylvania you may be eligible to have a previously denied Cigna long term disability claim re-evaluated. Pursuant to the May 13, 2013 Cigna Regulatory Settlement Agreement, Cigna must reassess long term disability insurance claims that were denied to residents of Connecticut, Maine, Massachusetts, or Pennsylvania between January 1, 2009 and December 31, 2010. Residents of California that had their Cigna disability claims denied between January 1, 2008 and December 31, 2010 may have their claims reassessed.

If you receive a notice from CIGNA, then you must notify them of your intent to have the claim reassessed within 60 DAYS of the date of the letter. Cigna has been fined in excess of $1.6 million dollars as a result of their unreasonable claim handling practices and has allegedly set aside $77 million to pay for claims that will be reassessed. Attorneys Dell & Schaefer is available to provide you with a free consultation via telephone and to advise you as to the best way to collect Cigna disability benefits that may have been wrongfully denied. Click here for additional detailed information about the terms of the Cigna Settlement Agreement.

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There are 2 comments

  • Peg, if denied we would be more than willing to review your claim and go after Cigna on your behalf.

    Stephen JessupSep 20, 2016  #2

  • No change in symptoms

    This is my third year of dealing with a denial from Cigna. My conditions are life-long and my doctor has
    given his recommendation that I cannot work at a sedentary job due to neck and shoulder blade pain.
    The letter I received from Cigna listed two jobs I could do that are sedentary. Both jobs require more education and I have been diagnosed after testing with a brain injury. I also have an immune deficiency and Addisons. If I am denied can you help me? I have fought them the past two years but it is stressful.
    I have my IMR tomorrow. Any suggestions?

    PegSep 19, 2016  #1


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, 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   *****

J.P., ESQ.

Dell & Schaefer saved my life. After receiving disability payments from CIGNA for 10 years, CIGNA decided that their initial determination had been in error. This was based on an evaluation of the file – with no personal interview of any kind – from a psychiatrist who new less about bipolar disease than I do.

With a wife and four children to provide for, I was distraught. Dell & Schaefer took charge of the mater. Although no lawyer can guarantee an outcome, as a former attorney I was very impressed with their professionalism and efficiency. On a personal level, they were very reassuring. They understood the embarrassment that comes from disclosing a mental disease, and dealt with me with courtesy and encouragement.

We prevailed over CIGNA, and I continued to have financial security until my benefits were paid in full.

I would recommend Dell & Schaefer, without reservation, to anyone who has to go up against the insurance giants.

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