Life Insurance Company of North America (CIGNA) lump sum settlement buyout offer obtained for former salesman

Disability Insurance Attorney Gregory Dell was retained to help an industrial salesman negotiate a lump-sum buyout offer with Life Insurance Company of North America (LINA), also knwon as CIGNA Group Insurance.

Our client had been on claim for several years as a result of a cardiac condition. His claim had not been smooth as he had previosuly been denied by LINA and was forced to file an appeal in order to reinstate his benefits. His policy paid him long-term disability benefits until age 65 if he remained disabled.

Prior to hiring Attorney Dell, our client had received an unsolicited lump sum settlement offer from Life Insurance Company of North America (LINA). Mr. Dell reviewed the disability claim and determined that the offer was not the maximum buyout value available in accordance with prevailing market rates. Within a very short period of time Mr. Dell was able to negotiate a lump sum buyout offer which was thousands of dollars more than what our client was originally offered. In addition Mr. Dell advised our client of all of his rights associated with a buyout and reviewed all final settlement agreements.

Our client was extremely pleased with the outcome as he stated that “we exceeded his expectations”.

Mr. Dell and his law firm have negotiated hundreds of lump sum settlement buyouts for disability claimants.

Disability Attorneys Dell & Schaefer, established in 1979, have represented thousands of clients with their claims against disability insurance companies. The firm’s disability income division, managed by Gregory Michael Dell, is comprised of eight attorneys who represent claimants nationwide, throughout all stages (i.e. applications, denials, appeals, litigation, & lump-sum policy buyouts) of a claim for individual or group (ERISA) long-term disability benefits.

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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   *****

Lynn D. (Florida)

To all patients especially Lyme Disease patients (the #1 epidemic in the U.S. and worldwide pandemic) I truly understand your frustration and indecision in making your first phone call because everyone has let you down and you feel like your whole world is a struggle to stay alive. Your trust has been eroded due to ignorant medical professionals (I was one of them-RN), military (Gulf war syndrome-mycoplasma), NIH, DOD, and let’s not forget the CDC… your family or friends also may not have a clue and you can be certain most work places/H.R. they don’t want to hear what you are going through… well Make that Phone Call to and get connected with Rachel Alters who has intimate knowledge of others suffering medically.

She knows your legal rights and you as her client is her priority… She is a determined lady of the law and will get things done you can count on that. The kindness of Rachel and Kathleen, her assistant is comforting when understandably all you can envision is the worst outcome in any situation. Depend on your legal team (Rachel & al.) help you in the most important way: lowering your stress to better your health and the good Lord knows you need in this heartless country ($$$$) to pay for the health services you receive. Last word, may God bless you Rachel, Kathleen, and all the people at Dell & Schaefer for being there at my worst period in my life with neuroborrialis, which continues to compromise my life.

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